Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 7.7 to 5.5.
Financials
Financial year 2025
Fidulife - CFG from Namur, company number BE0475235464, closed financial year 2025 with a result of € 7,438 after tax. For that financial year Fidulife - CFG recorded a gross margin of € 640,792 and equity of € 173,056. Compared with financial year 2024, the result moved from € 15,566 to € 7,438. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 173,056
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,438
▼ 52% vs 2024
Profit after tax over the fiscal year.
€ 309,520
▲ 23% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 23,456.
People and assets in 2025
5.5
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 509,605
▲ 53% vs 2024
€ 92,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 11,563
▲ 261% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 120,000
▼ 33% vs 2024
Loans from banks and other lenders, long and short.
€ 139,201
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 65,983
▲ 24% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 476,528 | € 511,405 | € 454,545 | € 640,792 | ▲ 41% |
| Profit after taxes | € -14,732 | € 3,974 | € 15,566 | € 7,438 | ▼ 52% |
| Equity | € 146,078 | € 150,052 | € 165,618 | € 173,056 | ▲ 4% |
| Total debts | € 457,599 | € 381,382 | € 375,503 | € 325,215 | ▼ 13% |
| Cash | € 213,909 | € 207,463 | € 250,951 | € 309,520 | ▲ 23% |
| Retained profit | € -3,522 | € 452 | € 16,018 | € 23,456 | ▲ 46% |
| Bank debt | € 290,000 | € 240,000 | € 180,000 | € 120,000 | ▼ 33% |
| Balance sheet total | € 603,677 | € 531,434 | € 541,121 | € 498,271 | ▼ 8% |
| Employees (FTE) | 7.8 | 7.7 | 5.8 | 5.5 | ▼ 0.3 |
Key figures of Fidulife - CFG, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Fidulife - CFG?
What happened at Fidulife - CFG in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,438 (▼ 52% vs 2024). Source: NBB ↗
- François Brennet became a director. NBB
- ASSOCIATION DES PHARMACIENS DE NAMUR ET DE LUXEMBOURG UP became a director. NBB
- Sébastien Degraux became a director. NBB
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 14,732 loss in 2022 to € 7,438 profit in 2025.
Paid € 125,815 in corporate taxes since 2022.
Best year ever: 2024, with € 15,566 profit.
On average € 116,500 of value added per employee in 2025.
A new publication or filing at Fidulife - CFG? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Fidulife - CFG are François Brennet, ASSOCIATION DES PHARMACIENS DE NAMUR ET DE LUXEMBOURG UP and Sébastien Degraux.
Directors
According to the 2025 annual accounts
François Brennet
Director
since 2023
ASSOCIATION DES PHARMACIENS DE NAMUR ET DE LUXEMBOURG UP
Director · represented by MOENS CARL JEAN
since 2019
Sébastien Degraux
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Rue des Dames Blanches 1
5000 Namur
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
All companies at this address →Association des Pharmaciens de Namur et de Luxembourg same network
€ 1.1 million gross margin · 2025
ASSOCIATION SCIENTIFIQUE DES PHARMACIENS FRANCOPHONES
ASSOCIATION DES UNIONS DE PHARMACIENS
SOCIETE SCIENTIFIQUE DES PHARMACIENS FRANCOPHONES
€ 742,435 gross margin · 2025
OFFIMED
€ 966,752 gross margin · 2025
+2 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0475.235.464
- VAT number
- BE 0475.235.464
- Registered office
- Rue des Dames Blanches 1, 5000 Namur
- Names & denominations
- Fidulife - CFG
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 July 2001
- Peppol
- Active · Active since 5 Sept 2025
- Activities · NACE
Boekhouders
Activiteiten van (gecertificeerde) (fiscaal) accountants
Accountants
Boekhouders en boekhouders-fiscalisten
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsvoering en beheer
Belastingconsulenten
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering