BE.FERT
ActiveSummary
BE.FERT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532k and a net result of €402. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 1736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-4
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.85 against 3.79 in 2024; short-term debt: 17.1% and cash: 3.4% of total assets), and 17.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.9%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
23 d early
2023
18 d early
2022
12 d early
2021
10 d early
2020
9 d early
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€532k▲ 0.1%
2024 · €532k
2018: €240k
2019: €275k
2020: €330k
2021: €387k
2022: €469k
2023: €519k
2024: €532k
2018 → 2025
Total assets
€642k▼ 11.2%
2024 · €722k
2018: €490k
2019: €465k
2020: €497k
2021: €506k
2022: €647k
2023: €648k
2024: €722k
2018 → 2025
Net result
€402▼ 96.8%
2024 · €12k
2018: €29k
2019: €34k
2020: €55k
2021: €57k
2022: €82k
2023: €50k
2024: €12k
2018 → 2025
Working capital
€532k▲ 0.1%
2024 · €532k
2018: €269k
2019: €288k
2020: €340k
2021: €395k
2022: €469k
2023: €519k
2024: €532k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€387k-€469k▲ 21.3%€519k▲ 10.7%€532k▲ 2.4%€532k▲ 0.1%
Operating result€63k-€104k▲ 65.3%€54k▼ 47.9%€5k▼ 90.9%€-11k
Net result€57k-€82k▲ 44.5%€50k▼ 39.1%€12k▼ 75.1%€402▼ 96.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €642k
Equity
€532k ▲ 0.1%
Debt
€110k ▼ 42.5%
Debt's share of the balance-sheet total falls from 26.4% to 17.1%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
5.85▲
2024 · 3.79
Debt to equity
0.21▼
2024 · 0.36
ROE
0.1%▼
2024 · 2.3%
ROA
0.1%▼
2024 · 1.7%
Debt ≤ 1 year
€110k▼
2024 · €191k
Income taxes
€490▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€722k€642k▼
Current assets29/58€722k€642k▼
Amounts receivable within one year40/41€628k€620k▼
Trade receivables40€281k€257k▼
Other amounts receivable41€347k€363k▲
Cash at bank and in hand54/58€94k€22k▼
Deferred charges and accrued income490/1€126€35▼
Equity and liabilities
Total equity and liabilities10/49€722k€642k▼
Equity10/15€532k€532k▲
Contributions10/11€50k€50k=
Reserves13€455k€455k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133€425k€425k=
Profit (loss) carried forward14€27k€27k▲
Amounts payable17/49€191k€110k▼
Amounts payable within one year42/48€191k€110k▼
Trade debts44€191k€110k▼
Suppliers440/4€191k€110k▼
Accrued charges and deferred income492/3€206€117▼
Income statement
Code20242025
Other operating charges640/8€513€528▲
Gross operating margin9900€5k€-10k▼
Operating profit (loss)9901€5k€-11k▼
Financial income75/76B€13k€13k▼
Recurring financial income75€13k€13k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€16k€892▼
Income taxes67/77€4k€490▼
Profit (loss) for the period9904€12k€402▼
Profit (loss) for the period to be appropriated9905€12k€402▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€27k▲
Profit (loss) brought forward from the previous period14P€14k€27k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €402 ▼96.8%
Net result drops to €402, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €519k ▲10.7%
6 profitable years in a row build equity to €519k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €82k ▲44.5%
Operating result €104k, net result €82k, both a record.
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lo-Reninge · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Tempelare(Ren) 18647 Lo-ReningeGround area
7,887 m²
Building footprint
384 m²
Volume, LiDAR
2,609 m³
Parcel 32021D1132/00A002, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BE.FERT
since 20152.241.988.912
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32021D1132/00A002 | Flanders | 7,887 m² | 1 · 384 m² | 11.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLo-Reninge2.241.988.912
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FERME DE LA HUISSIERE
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Sombreffe · Eq €536,429
JOEL ET PIERRE RENARD
BE 0439.579.353
Sainte-Ode · Eq €527,128
KNAEPEN K.V.M.
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Of 20,588 companies in sector 01500 we hold annual accounts for 1,149. 902 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-03-1998
Fiscal year end31-12
Activities, NACEBEL 2025
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.