Ferga
ActiveSummary
Ferga has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143,012 and a net result of €20,853. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+6
Solvency100▲+4
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 2.39 against 1.22 in 2024; short-term debt: 14.1% and cash: 10.4% of total assets), and 14.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
85.9%
Return on assets
12.5%
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
136 d early
2023
78 d early
2022
139 d early
2021
139 d early
2020
124 d early
2019
133 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 126 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€79,904▼ 35.1%
2019 · €123,131
EBIT margin
4.1%▼ 33.5pp
2019 · 37.6%
Net result
€20,853▲ 59.3%
2024 · €13,088
Working capital
€32,786▲ 193%
2024 · €11,188
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€2,365€14,312€40,162▲ 181%€16,835▼ 58.1%€29,856▲ 77.3%
Net result-€3,514below the sector's middle half€13,918within the sector's middle half€39,770above the sector's middle half▲ 186%€13,088within the sector's middle half▼ 67.1%€20,853within the sector's middle half▲ 59.3%
EBIT margin
Equity€56,893within the sector's middle half▼ 5.8%€70,811within the sector's middle half▲ 24.5%€110,581within the sector's middle half▲ 56.2%€122,809above the sector's middle half▲ 11.1%€143,012above the sector's middle half▲ 16.5%
Total assets€63,835within the sector's middle half▼ 8.0%€92,109within the sector's middle half▲ 44.3%€154,339within the sector's middle half▲ 67.6%€172,968within the sector's middle half▲ 12.1%€166,561within the sector's middle half▼ 3.7%
Debt€6,942▼ 22.4%€21,298▲ 207%€43,758▲ 105%€50,159▲ 14.6%€23,549▼ 53.1%
Working capital€22,259▼ 39.8%€27,684▲ 24.4%€57,623▲ 108%€11,188▼ 80.6%€32,786▲ 193%
Solvency89.1%above the sector's middle half▲ 2.0pp76.9%above the sector's middle half▼ 12.2pp71.6%above the sector's middle half▼ 5.2pp71.0%above the sector's middle half▼ 0.6pp85.9%above the sector's middle half▲ 14.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 77% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166,561
Fixed assets
€110,226 ▼ 1.2%
Current assets
€56,335 ▼ 8.2%
Equity and liabilities €166,561
Equity
€143,012 ▲ 16.5%
Debt
€23,549 ▼ 53.1%
Debt's share of the balance-sheet total falls from 29.0% to 14.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,011▲
2024 · €33,331
Cash flow
€37,008▲
2024 · €29,584
Current ratio
2.39▲
2024 · 1.22
Quick ratio
1.13▼
2024 · 1.13
Debt to equity
0.16▼
2024 · 0.41
ROE
14.6%▲
2024 · 10.7%
ROA
12.5%▲
2024 · 7.6%
Interest coverage
212.03▲
2024 · 189.38
Debt ≤ 1 year
€23,549▼
2024 · €50,159
Income taxes
€8,786▲
2024 · €3,572
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,157 | €5,896 | €5,538 | €16,496 | €16,155 | ▼ 2.1% |
| Other operating charges640/8 | - | €4,455 | €4,868 | €5,368 | €4,584 | ▼ 14.6% |
| Non-recurring operating charges66A | - | - | €175 | - | - | - |
| Gross operating margin9900 | €7,558 | €24,663 | €50,743 | €38,699 | €50,595 | ▲ 30.7% |
| Operating profit (loss)9901 | -€2,365 | €14,312 | €40,162 | €16,835 | €29,856 | ▲ 77.3% |
| Financial income75/76B | - | - | - | €1 | - | - |
| Recurring financial income75 | - | - | - | €1 | - | - |
| Financial charges65/66B | - | €176 | €185 | €176 | €217 | ▲ 23.3% |
| Recurring financial charges65 | €149 | €176 | €185 | €176 | €217 | ▲ 23.3% |
| Profit (loss) for the period before taxes9903 | -€2,514 | €14,136 | €39,977 | €16,660 | €29,639 | ▲ 77.9% |
| Income taxes67/77 | €1,000 | €218 | €207 | €3,572 | €8,786 | ▲ 146% |
| Profit (loss) for the period9904 | -€3,514 | €13,918 | €39,770 | €13,088 | €20,853 | ▲ 59.3% |
| Profit (loss) for the period to be appropriated9905 | -€3,514 | €13,918 | €39,770 | €13,088 | €20,853 | ▲ 59.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €63,835 | €92,109 | €154,339 | €172,968 | €166,561 | ▼ 3.7% |
| Formation expenses20 | €190 | - | - | - | - | - |
| Fixed assets21/28 | €34,444 | €43,127 | €52,958 | €111,621 | €110,226 | ▼ 1.2% |
| Tangible fixed assets22/27 | €34,174 | €43,114 | €52,848 | €111,525 | €110,058 | ▼ 1.3% |
| Plant, machinery and equipment23 | - | €40,714 | €49,093 | €108,809 | €105,531 | ▼ 3.0% |
| Furniture and vehicles24 | - | €2,400 | €3,755 | €2,716 | €4,527 | ▲ 66.7% |
| Financial fixed assets28 | €270 | €13 | €110 | €96 | €168 | ▲ 75.0% |
| Current assets29/58 | €29,201 | €48,982 | €101,381 | €61,347 | €56,335 | ▼ 8.2% |
| Stocks and contracts in progress3 | €4,578 | €3,032 | €17,362 | €4,577 | €29,791 | ▲ 551% |
| Stocks30/36 | - | €3,032 | €17,362 | €4,577 | €29,791 | ▲ 551% |
| Amounts receivable within one year40/41 | €2,306 | €21,424 | €37,740 | €6,705 | €7,307 | ▲ 9.0% |
| Trade receivables40 | - | €21,424 | €37,740 | €4,529 | €7,185 | ▲ 58.6% |
| Other amounts receivable41 | - | - | - | €2,176 | €122 | ▼ 94.4% |
| Cash at bank and in hand54/58 | €20,950 | €21,022 | €45,227 | €46,247 | €17,310 | ▼ 62.6% |
| Deferred charges and accrued income490/1 | - | €3,504 | €1,052 | €3,818 | €1,927 | ▼ 49.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €63,835 | €92,109 | €154,339 | €172,968 | €166,561 | ▼ 3.7% |
| Equity10/15 | €56,893 | €70,811 | €110,581 | €122,809 | €143,012 | ▲ 16.5% |
| Contributions10/11 | - | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €1,000 | €1,000 | €1,000 | €13,000 | €33,000 | ▲ 154% |
| Non-distributable reserves130/1 | - | €1,000 | €1,000 | - | - | - |
| Reserves not available under the articles1311 | - | €1,000 | €1,000 | - | - | - |
| Distributable reserves133 | - | - | - | €13,000 | €33,000 | ▲ 154% |
| Profit (loss) carried forward14 | -€44,107 | -€30,189 | €9,581 | €9,809 | €10,012 | ▲ 2.1% |
| Amounts payable17/49 | €6,942 | €21,298 | €43,758 | €50,159 | €23,549 | ▼ 53.1% |
| Amounts payable within one year42/48 | €6,942 | €21,298 | €43,758 | €50,159 | €23,549 | ▼ 53.1% |
| Trade debts44 | €852 | €6,593 | €2,097 | €35,644 | €11,131 | ▼ 68.8% |
| Suppliers440/4 | - | €6,593 | €2,097 | €35,644 | €11,131 | ▼ 68.8% |
| Advances received on contracts in progress46 | - | - | - | €9,000 | - | - |
| Taxes, remuneration and social security45 | - | €9,843 | €6,856 | - | €5,922 | - |
| Taxes450/3 | - | €9,843 | €6,856 | - | €5,922 | - |
| Other amounts payable47/48 | - | €4,862 | €34,805 | €5,515 | €6,496 | ▲ 17.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,514 | €13,918 | €39,770 | €13,088 | €20,853 | ▲ 59.3% |
| + Depreciation and write-downs630 | €5,157 | €5,896 | €5,538 | €16,496 | €16,155 | ▼ 2.1% |
| Operating cash flow (approximation) | €1,643 | €19,814 | €45,308 | €29,584 | €37,008 | ▲ 25.1% |
| Investment in fixed assets (approximation) | - | -€14,579 | -€15,369 | -€75,159 | -€14,760 | ▲ 80.4% |
| Change in cash | - | €72 | €24,205 | €1,020 | -€28,937 | ▼ 2,937% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €110,581 ▲56.2%
2 profitable years in a row build equity to €110,581.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13,918
Net result €13,918 after one loss-making year.
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€3,514
Net result drops to -€3,514, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €46,178 ▲202%
Operating result €46,310, net result €46,178, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.12
Current ratio from 1.16 to 4.12; short-term debt falls from €19,180 to €16,959.
Show earlier events
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Soignies · 1 establishment unit since 1953
Ground area
2,917 m²
Building footprint
712 m²
Volume, LiDAR
2,967 m³
2 parcels, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Clerbois 79, 7060 Soignies
since 19532.004.211.723
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55040A0644/00V000 | Wallonia | 1,611 m² | 1 · 217 m² | - |
| 55040B1038/00S004 | Wallonia | 1,306 m² | 1 · 495 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,703 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
77221Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0401173687
Registered
05-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.