EURO FIDES CREDIT MANAGEMENT
0421.412.045 · rovalta.com · 27/09/2026
ACTIVE
EURO FIDES CREDIT MANAGEMENT
Financial year 2025 · Closed on 31/12/2025
Net result101,5 k €+299,1 %over 1 year
Gross margin3 M €+32,7 %over 1 year
Equity2,9 M €+2,3 %over 1 year
Overview
Identity
Source · BCE/KBOEURO FIDES CREDIT MANAGEMENT is a Public limited company incorporated in 1981. Its main activity is: Activities of collection agencies and credit bureaus. Its registered office is in Ixelles.
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0421.412.045
- Incorporation
- 05/02/1981
- Legal form
- Public limited company
- Registered office
- Avenue Louise 231
1050 Ixelles · BruxellesSee on map - Contributed capital
- 175 600,00 €
- Latest accounts
- 31/12/2025
Activities (NACE)
Joint committees (2)
- 200
- 218
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Financials
Source · NBB, 20 filingsTrend over 20 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | 3 M € | +32.7% | 2,3 M € | +0.6% | 2,3 M € | +11.2% | 2,1 M € | +4.7% | 2 M € |
| EBITDA | 535,1 k € | +30.3% | 410,8 k € | -33.5% | 617,9 k € | +9.1% | 566,5 k € | +48.4% | 381,7 k € |
| Operating result | 251,4 k € | +95.6% | 128,5 k € | -57.1% | 299,7 k € | -45.0% | 545,1 k € | +714% | 66,9 k € |
| Net result | 101,5 k € | +299% | 25,4 k € | -84.7% | 165,9 k € | -39.1% | 272,6 k € | +2684% | 9,8 k € |
| Balance sheet | |||||||||
| Equity | 2,9 M € | +2.3% | 2,8 M € | +0.6% | 2,8 M € | +6.3% | 2,6 M € | +11.5% | 2,4 M € |
| Total assets | 11,7 M € | +17.1% | 10 M € | +12.1% | 8,9 M € | +6.7% | 8,4 M € | -2.7% | 8,6 M € |
| Cash | 2,7 M € | +17.3% | 2,3 M € | -5.9% | 2,4 M € | +13.2% | 2,1 M € | +18.9% | 1,8 M € |
| Debts | 8,8 M € | +22.9% | 7,2 M € | +17.7% | 6,1 M € | +6.7% | 5,7 M € | -8.1% | 6,2 M € |
| Other | |||||||||
| Workforce | – | 32,8 ETP | +7.5% | 30,5 ETP | +11.3% | 27,4 ETP | +4.2% | 26,3 ETP | |
Valuation
Indicative valuation
As an indication, this company is worth
between 1 M€ and 2,5 M€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/20253 active · 18 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Director | 00 | ||
Cédric CARABIN | Director | 000 | |
Didier ZOVI | Director | 00 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
CEDRIC CARABIN | Director | 28/05/2021 → 28/05/2027 | 000 |
DIDIER ZOVI | Managing director | 28/05/2021 → 28/05/2027 | 00 |
| Director | 21/06/2018 → 30/06/2024 | 00 | |
CEDRIC CARABIN | Director | 27/05/2016 → 25/05/2022 | 000 |
Other companies at this address
Avenue Louise 231 1050 Ixelles| Company | CBE no. |
|---|---|
2CRSi Belgium● Active | 0757.849.320 |
3B POSTERITY● Active | 0878.258.190 |
4SIGHT● Active | 0876.943.940 |
| 0479.819.507 | |
ABRIDA● Active | 0450.539.858 |
ACCORD HEALTHCARE● Active | 0841.940.204 |
ACeLaw● Active | 0716.861.870 |
ACK INVEST● Active | 0717.757.240 |
ACN● Active | 0720.885.885 |
ACTIVE P.A.● Active | 0896.003.450 |
ADO PROJET● Active | 1018.453.478 |
ADRESTIA INVEST● Active | 0663.666.971 |
AEACUS● Active | 1003.336.029 |
AetheraX● Active | 1038.601.764 |
A-FIRST● Active | 0407.890.839 |
AFRICA INTERNATIONAL GROUP● Active | 0826.132.667 |
AI2INNOVATE● Active | 1030.081.897 |
AIRINC EUROPE● Active | 0475.554.277 |
AJPS INVEST● Active | 0665.721.688 |
AKIS.STUDIO● Active | 1035.515.679 |
Financials
Full financial information
Source · NBB| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model |
| Start of the financial year | 01/01/2025 | 01/01/2024 | 01/01/2023 | 01/01/2022 | 01/01/2021 | 01/01/2020 |
| Closing of the financial year | 31/12/2025 | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2021 | 31/12/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 28/08/2026 | 18/06/2025 | 24/07/2024 | 27/06/2023 | 28/06/2022 | 30/06/2021 |
| General meeting | 25/08/2026 | 10/06/2025 | 31/05/2024 | 16/06/2023 | 27/05/2022 | 28/05/2021 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Financial ratios
Source · NBBLooking for more information about this company?
Try for freeAnnual accounts filings
Source · NBB, 20 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 25/08/2026 | 28/08/2026 | French | |
| Abridged model | 31/12/2024 | 10/06/2025 | 18/06/2025 | French | |
| Abridged model | 31/12/2023 | 31/05/2024 | 24/07/2024 | French | |
| Abridged model | 31/12/2022 | 16/06/2023 | 27/06/2023 | French | |
| Abridged model | 31/12/2021 | 27/05/2022 | 28/06/2022 | French | |
| Abridged model | 31/12/2020 | 28/05/2021 | 30/06/2021 | French | |
| Abridged model | 31/12/2019 | 29/05/2020 | 30/06/2020 | French | |
| Abridged model | 31/12/2018 | 28/06/2019 | 29/08/2019 | French | |
| Abridged model | 31/12/2017 | 25/05/2018 | 28/08/2018 | French | |
| Abridged model | 31/12/2016 | 26/05/2017 | 17/08/2017 | French | |
| Abridged model | 31/12/2015 | 27/05/2016 | 27/06/2016 | French | |
| Abridged model | 31/12/2014 | 29/05/2015 | 26/06/2015 | French | |
| Abridged model | 31/12/2013 | 30/05/2014 | 18/07/2014 | French | |
| Abridged model | 30/06/2013 | 06/11/2013 | 28/11/2013 | French | |
| Abridged model | 30/06/2012 | 30/11/2012 | 05/12/2012 | French | |
| Abridged model | 30/06/2011 | 27/12/2011 | 12/01/2012 | French | |
| Abridged model | 31/12/2009 | 28/05/2010 | 29/07/2010 | French | |
| Abridged model | 31/12/2008 | 29/05/2009 | 24/07/2009 | French | |
| Abridged model | 31/12/2007 | 30/05/2008 | 01/07/2008 | French | |
| Abridged model | 31/12/2006 | 25/05/2007 | 25/07/2007 | French |
Valuation
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 1 M€ and 2,5 M€
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Board of directors
Source · NBB, accounts to 31/12/20253 active · 18 ended
Active mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
| Director | 00 | ||
Cédric CARABIN | Director | 000 | |
Didier ZOVI | Director | 00 |
Ended mandates
| Director | Function | Mandate | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
CEDRIC CARABIN | Director | 28/05/2021 → 28/05/2027 | 000 |
DIDIER ZOVI | Managing director | 28/05/2021 → 28/05/2027 | 00 |
| Director | 21/06/2018 → 30/06/2024 | 00 | |
CEDRIC CARABIN | Director | 27/05/2016 → 25/05/2022 | 000 |
Ownership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Registered office05/08/2026Transfert du siège social
- Mandates03/11/2025DEMISSIONS, NOMINATIONS
- Mandates18/09/2024STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DIVERS - DEMISSIONS, NOMINATIONS
- Mandates26/08/2024DEMISSIONS, NOMINATIONS
- Mandates27/09/2021DEMISSIONS, NOMINATIONS
- Mandates03/07/2018DEMISSIONS, NOMINATIONS
- Mandates30/06/2016DEMISSIONS, NOMINATIONS
- Registered office16/12/2015SIEGE SOCIAL
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025101,5 k €↑
- 2024Annual accounts 202425,4 k €↓
- 2023Annual accounts 2023165,9 k €↓
- 2022Annual accounts 2022272,6 k €↑
- 2021Annual accounts 20219,8 k €↓
- 2020Annual accounts 202053,7 k €↓
- 2019Annual accounts 2019376,8 k €↓
- 2018Annual accounts 2018469,1 k €↓
- 2017Annual accounts 2017477,9 k €↑
- 2016Annual accounts 2016331,2 k €↑
- 2015Annual accounts 2015217,7 k €↓
- 2014Annual accounts 2014331,6 k €↑
- 2013Annual accounts 201329,5 k €↓
- 2013Annual accounts 2013198,2 k €↑
- 2012Annual accounts 201296,1 k €↑
- 2011Annual accounts 201143 k €↑
- 2009Annual accounts 2009-38,1 k €↓
- 2009Name changeEURO FIDES CREDIT MANAGEMENT
- 2008Annual accounts 200857,4 k €↑
- 2007Annual accounts 200751,7 k €↑
- 2006Annual accounts 200626,2 k €
- 05/02/1981IncorporationPublic limited company
Registered offices
Source · NBB annual accounts, CBE| Registered address | Period | Source |
|---|---|---|
| Avenue Louise 231, 1050 IxellesCurrent | accounts 2025 · CBE, tracked since 27/09/2026 | Accounts 2025 · 2026-00440835 |
| RUE DE LANTIN 155 bte B, 4000 Liège | accounts 2021 → 2024 | Accounts 2024 · 2025-00155956 |
Company names
Source · NBB annual accounts, CBE| Name | Period | Source |
|---|---|---|
| EURO FIDES CREDIT MANAGEMENTCurrent | accounts 2009 → 2025 · CBE, tracked since 27/09/2026 | Accounts 2025 · 2026-00440835 |
| Caisse hypothécaire liégeoise | accounts 2006 → 2008 | Accounts 2008 · 2009-47900056 |
Annual accounts date a value by the financial year it appears in. The CBE dates a change to the day, but its history has only been kept since 27/09/2026.