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FERMAC

Active
Private limited companyfounded 201510 yrs activeRue Marcel Fikenne 26, 4860 Pepinster, BelgiumKBO/BCE: BE 0643.495.723
Summary

FERMAC has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,106) and a net result of €6,178. Its solvency ranks better than 7% of 4952 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
FERMACActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
General cleaning of buildings
NACE 81210Painting of buildings NACE 43341
#8 oldest company in Pepinster, Administrative and support services sector1 site
Size
€11,555total assets 2025
Staff
1.1 FTE
Equity
-€4,106
Profit
€6,178
Turnover not published (abridged schema)
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts 29 d early0 of 4 deeds read
Why 55Capped at 59: negative equity- Negative equity -€4,106- Sector Services to buildings and landscape activities (NACE 81)+ Size: total assets €11,555+ Founded in 2015Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 38% of its sector peers (NACE 81, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -35.5% of total assets
Liquidity 19-18
short-term debt 128.7% · cash 14.9%
Profitability 77+77
return on assets 53.5%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.0% (7,566 companies)
Last 20 months 03-2025: 1.7%highest value 04-2025: 1.7%● 0.0% vs 03-2025highest value 05-2025: 1.5%▼ -10.0% vs 04-2025 06-2025: 1.5%● 0.0% vs 05-2025 07-2025: 1.5%● 0.0% vs 06-2025 08-2025: 1.5%● 0.0% vs 07-2025 09-2025: 1.5%▲ +1.1% vs 08-2025 10-2025: 1.5%● 0.0% vs 09-2025 11-2025: 1.5%● 0.0% vs 10-2025 12-2025: 1.5%● 0.0% vs 11-2025 01-2026: 1.5%▼ -1.0% vs 12-2025 02-2026: 1.5%● 0.0% vs 01-2026 03-2026: 1.5%▼ -0.7% vs 02-2026 04-2026: 1.5%▲ +2.2% vs 03-2026 05-2026: 1.4%▼ -6.4% vs 04-2026 06-2026: 1.4%▼ -3.0% vs 05-2026 07-2026: 1.5%▲ +5.9% vs 06-2026 08-2026: 0.6%▼ -58.1% vs 07-2026lowest value 09-2026: 0.6%● 0.0% vs 08-2026lowest value 10-2026: 0.6%● 0.0% vs 09-2026lowest value
  • Size: total assets €11,555 lowers the probability for this profile
  • Negative equity -€4,106 raises the probability
  • Sector Services to buildings and landscape activities (NACE 81) raises the probability
  • Founded in 2015 lowers the probability for this profile
No credit on open account
Liquidity short (current ratio 0.66 against 0.52 in 2024; short-term debt: 128.7% and cash: 14.9% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 81, micro). Better than this share of them on solvency 3%, liquidity 12%, profitability 52%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €11,555
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€4,106
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Services to buildings and landscape activities (NACE 81)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2015
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 4952 sector peers (2025).
NBB · sector comparison
Position among 4952 sector peers
Solvency
better than 7%
← weakest strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
29 d early
2024
5 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% 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 months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €6,178
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€4,106 View
  • Caution: Among the weakest 7% on solvencysector median 41.2% · 4,952 companies -35.5% View
  • Total assets 20252 fiscal years filed €11,555 View

By topic

Financials

Fiscal year
2025
Total assets
€11,555
Profit
€6,178
Solvency
-35.5%
Total assets▼ 31.9%
Net result
20242025
Go to Financials

Timeline

Events
3
Since
2025
Next accounts
by 31-07-2027
  1. 02-07-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 05-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General cleaning of buildingsNACE 81210
Founded
20-11-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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