FEREMANS JOERI
ActiveFEREMANS JOERI has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.47M and a net result of €152k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 16.37 against 14.26 in 2024; short-term debt: 4% and cash: 16.3% of total assets), and 4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
96%
Return on assets
9.9%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
42 d early
2023
48 d early
2022
41 d early
2021
39 d early
2020
47 d early
2019
42 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.47M▲ 11.5%
2024 · €1.32M
2018: €670k
2019: €712k
2020: €836k
2021: €907k
2022: €1.03M
2023: €1.18M
2024: €1.32M
2018 → 2025
Total assets
€1.53M▲ 10.6%
2024 · €1.38M
2018: €798k
2019: €798k
2020: €891k
2021: €938k
2022: €1.08M
2023: €1.24M
2024: €1.38M
2018 → 2025
Net result
€152k▲ 13.1%
2024 · €134k
2018: €66k
2019: €45k
2020: €127k
2021: €73k
2022: €125k
2023: €150k
2024: €134k
2018 → 2025
Working capital
€941k▲ 7.7%
2024 · €874k
2018: €267k
2019: €248k
2020: €302k
2021: €315k
2022: €477k
2023: €701k
2024: €874k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€907k-€1.03M▲ 13.8%€1.18M▲ 14.5%€1.32M▲ 11.4%€1.47M▲ 11.5%
Operating result€100k-€141k▲ 40.0%€215k▲ 52.9%€186k▼ 13.5%€214k▲ 15.0%
Net result€73k-€125k▲ 71.5%€150k▲ 19.6%€134k▼ 10.4%€152k▲ 13.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€526k▲ 19.1%
Current assets
€1.00M▲ 6.7%
Equity and liabilities €1.53M
Equity
€1.47M▲ 11.5%
Debt
€61k▼ 7.1%
The debt ratio falls from 4.8% to 4.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€298k▲
2024 · €270k
Cash flow
€236k▲
2024 · €218k
Solvency
96.0%▲
2024 · 95.2%
Current ratio
16.37▲
2024 · 14.26
Quick ratio
14.71▲
2024 · 13.28
Debt / equity
0.04▼
2024 · 0.05
ROE
10.3%▲
2024 · 10.2%
ROA
9.9%▲
2024 · 9.7%
Interest coverage
187.94▼
2024 · 266.15
Debt
€61k▼
2024 · €66k
Debt ≤ 1 year
€61k▼
2024 · €66k
Income taxes
€67k▲
2024 · €56k
Staff costs
€28k▼
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.38M€1.53M▲
Fixed assets21/28€442k€526k▲
Tangible fixed assets22/27€442k€526k▲
Land and buildings22€355k€328k▼
Plant, machinery and equipment23€71k€176k▲
Furniture and vehicles24€16k€22k▲
Current assets29/58€940k€1.00M▲
Stocks and contracts in progress3€65k€102k▲
Stocks30/36€65k€102k▲
Amounts receivable within one year40/41€52k€10k▼
Trade receivables40€49k€8k▼
Other amounts receivable41€3k€2k▼
Current investments50/53€607k€636k▲
Cash at bank and in hand54/58€216k€249k▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.53M▲
Equity10/15€1.32M€1.47M▲
Contributions10/11€315k€315k=
Reserves13€1.00M€1.15M▲
Distributable reserves133€1.00M€1.15M▲
Amounts payable17/49€66k€61k▼
Amounts payable within one year42/48€66k€61k▼
Financial debts43€18k€15k▼
Credit institutions430/8€18k€15k▼
Trade debts44€28k€14k▼
Suppliers440/4€28k€14k▼
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€9k€19k▲
Remuneration and social security454/9€9k€2k▼
Other amounts payable47/48€1k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€28k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€85k▲
Other operating charges640/8€337€492▲
Gross operating margin9900€298k€326k▲
Operating profit (loss)9901€186k€214k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€190k€219k▲
Income taxes67/77€56k€67k▲
Profit (loss) for the period9904€134k€152k▲
Profit (loss) for the period to be appropriated9905€134k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€134k€152k▲
Transfer to equity691/2€134k€152k▲
To other reserves6921€134k€152k▲
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €152k ▲13.1%
Net result €152k, the highest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1MEq €1.03M ▲13.8%
5 profitable years in a row build equity to €1.03M.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 16.69
Current ratio from 7.93 to 16.69; short-term debt falls from €44k to €20k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €45k ▼31%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Sint-Katelijne-Waver · 1 establishment unit since 1998
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.
Grensstraat 42861 Sint-Katelijne-WaverGround area
150 m²
Building footprint
149 m²
Volume, LiDAR
924 m³
Parcel 12027B0006/00D000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grensstraat 4, 2861 Sint-Katelijne-Waver
since 19982.088.127.908
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027B0006/00D000 | Flanders | 150 m² | 1 · 149 m² | 10.2 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 siteSint-Katelijne-Waver2.088.127.908
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Of 3,625 companies in sector 01130 we hold annual accounts for 789. 557 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-1998
Fiscal year end31-12
Activities, NACEBEL
01121
01130Growing of vegetables, melons, roots and tubers
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.