FEREMANS SRL
ActiveSummary
The computed 12-month bankruptcy probability of FEREMANS SRL is 2.9% (moderate). The 2025 annual accounts show equity of €103k and a net result of €23k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 4603 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+6
Solvency45▲+7
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.82 in 2024; short-term debt: 62.1% and cash: 6.5% of total assets), and 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
19.6%
Return on assets
4.4%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
51 d early
2024
20 d early
2023
9 d early
2022
57 d late
← 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, micro schema
Equity
€103k▲ 28.7%
2024 · €80k
2022: €82k
2023: €82k
2024: €80k
2022 → 2025
Total assets
€523k▼ 14.2%
2024 · €609k
2022: €518k
2023: €745k
2024: €609k
2022 → 2025
Net result
€23k
2024 · €-3k
2022: €72k
2023: €66
2024: €-3k
2022 → 2025
Working capital
€-45k▲ 20.8%
2024 · €-57k
2022: €-31k
2023: €-18k
2024: €-57k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€82k-€82k▲ 0.1%€80k▼ 3.3%€103k▲ 28.7%
Operating result€101k-€16k▼ 84.3%€25k▲ 57.5%€51k▲ 105%
Net result€72k-€66▼ 99.9%€-3k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 105% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €523k
Fixed assets
€243k ▼ 29.3%
Current assets
€280k ▲ 5.4%
Equity and liabilities €523k
Equity
€103k ▲ 28.7%
Debt
€421k ▼ 20.6%
Debt's share of the balance-sheet total falls from 86.9% to 80.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€159k▲
2024 · €157k
Cash flow
€131k▲
2024 · €129k
Current ratio
0.86▲
2024 · 0.82
Debt to equity
4.10▼
2024 · 6.65
ROE
22.3%▲
2024 · -3.4%
ROA
4.4%▲
2024 · -0.4%
Interest coverage
11.52▲
2024 · 7.48
Debt ≤ 1 year
€325k▲
2024 · €323k
Debt > 1 year
€96k▼
2024 · €207k
Income taxes
€14k▲
2024 · €7k
Staff costs
€638k▼
2024 · €639k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€609k€523k▼
Fixed assets21/28€344k€243k▼
Tangible fixed assets22/27€314k€208k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€65k€29k▼
Leasing and similar rights25€245k€176k▼
Financial fixed assets28€29k€35k▲
Current assets29/58€266k€280k▲
Amounts receivable within one year40/41€210k€240k▲
Trade receivables40€202k€228k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€49k€34k▼
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€609k€523k▼
Equity10/15€80k€103k▲
Contributions10/11€10k€10k=
Reserves13€70k€93k▲
Distributable reserves133€70k€93k▲
Amounts payable17/49€530k€421k▼
Amounts payable after more than one year17€207k€96k▼
Financial debts170/4€207k€96k▼
Amounts payable within one year42/48€323k€325k▲
Current portion of amounts payable after more than one year42€111k€130k▲
Trade debts44€57k€41k▼
Suppliers440/4€57k€41k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€101k€102k▲
Taxes450/3€31k€24k▼
Remuneration and social security454/9€70k€78k▲
Other amounts payable47/48€52k€52k▲
Income statement
Code20242025
Remuneration, social security and pensions62€639k€638k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€132k€108k▼
Other operating charges640/8€58k€8k▼
Gross operating margin9900€854k€805k▼
Operating profit (loss)9901€25k€51k▲
Financial income75/76B€305€0▼
Recurring financial income75€305€0▼
Financial charges65/66B€21k€14k▼
Recurring financial charges65€21k€14k▼
Profit (loss) for the period before taxes9903€4k€37k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€-3k€23k▲
Profit (loss) for the period to be appropriated9905€-3k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€23k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€23k
To other reserves6921-€23k
The notes to these accounts (10 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-12
Financial
Equity above €100kEq €103k ▲28.7%
Equity rises from €80k to €103k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼4219%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2021
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.
Rue de la Liberté 2B6040 CharleroiGround area
537 m²
Building footprint
97 m²
Volume, LiDAR
631 m³
Parcel 52034B1181/00R099, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FEREMANS SRL
since 20212.317.789.264
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1181/00R099 | Wallonia | 537 m² | 1 · 97 m² | 9.1 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
Parcel delivery
Notified to the BIPT
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 6,353 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
Founded28-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
49420Removal services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.