FERMATIQUE
ActiveSummary
FERMATIQUE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €26k and a net result of €406. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 81% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▲+17
Solvency95▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 2.44 in 2023; short-term debt: 28.9% and cash: 82.1% of total assets), and 29.5% 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
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70.5%
Return on assets
1.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
33 d early
2022
26 d early
2021
39 d early
2020
9 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€26k▲ 1.6%
2023 · €26k
2018: €1k
2019: €10k
2020: €14k
2021: €30k
2022: €28k
2023: €26k
2018 → 2024
Total assets
€37k▼ 15.5%
2023 · €44k
2018: €53k
2019: €55k
2020: €51k
2021: €64k
2022: €56k
2023: €44k
2018 → 2024
Net result
€406
2023 · €-2k
2018: €5k
2019: €8k
2020: €4k
2021: €16k
2022: €-2k
2023: €-2k
2018 → 2024
Working capital
€26k▲ 1.6%
2023 · €26k
2018: €-113
2019: €10k
2020: €18k
2021: €30k
2022: €28k
2023: €26k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€30k▲ 113%€28k▼ 5.9%€26k▼ 8.8%€26k▲ 1.6%
Operating result€7k-€22k▲ 217%€-687€-2k▼ 143%€900
Net result€4k-€16k▲ 287%€-2k€-2k▼ 40.0%€406
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €900 after a loss of €2k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €37k
Fixed assets
€120 =
Current assets
€37k ▼ 15.6%
Equity and liabilities €37k
Equity
€26k ▲ 1.6%
Debt
€11k ▼ 39.7%
Debt's share of the balance-sheet total falls from 41.4% to 29.5%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
3.45▲
2023 · 2.44
Quick ratio
3.40▲
2023 · 2.40
Debt to equity
0.42▼
2023 · 0.71
ROE
1.6%▲
2023 · -9.7%
ROA
1.1%▲
2023 · -5.7%
Debt ≤ 1 year
€11k▼
2023 · €18k
Income taxes
€128▲
2023 · €126
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€44k€37k▼
Fixed assets21/28€120€120=
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Financial fixed assets28€120€120=
Current assets29/58€43k€37k▼
Stocks and contracts in progress3€650€482▼
Stocks30/36€650€482▼
Amounts receivable within one year40/41€3k€3k▼
Trade receivables40€3k€3k▼
Other amounts receivable41€0€46▲
Cash at bank and in hand54/58€37k€30k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€44k€37k▼
Equity10/15€26k€26k▲
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-3k€-3k▲
Amounts payable17/49€18k€11k▼
Amounts payable within one year42/48€18k€11k▼
Current portion of amounts payable after more than one year42€0€0=
Trade debts44€2k€606▼
Suppliers440/4€2k€606▼
Taxes, remuneration and social security45€317€229▼
Taxes450/3€317€229▼
Other amounts payable47/48€16k€10k▼
Accrued charges and deferred income492/3€220€220=
Income statement
Code20232024
Other operating charges640/8€831€607▼
Gross operating margin9900€-841€2k▲
Operating profit (loss)9901€-2k€900▲
Financial income75/76B€404€796▲
Recurring financial income75€404€796▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-2k€534▲
Income taxes67/77€126€128▲
Profit (loss) for the period9904€-2k€406▲
Profit (loss) for the period to be appropriated9905€-2k€406▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-3k▲
Profit (loss) brought forward from the previous period14P€-684€-3k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €406
Net result €406 after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €16k ▲287%
Operating result €22k, net result €16k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Liège · 1 establishment unit since 1999
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 Fond-de-Coy 354020 LiègeGround area
4,007 m²
Building footprint
180 m²
Volume, LiDAR
1,178 m³
Parcel 62059B0451/00F000, Wallonia · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Fond-de-Coy 35, 4020 Liège
since 19992.092.874.770
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059B0451/00F000 | Wallonia | 4,007 m² | 1 · 180 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.
Similar companies · same sector, comparable size
SIGNSYS
BE 0834.344.510
Genk · Eq €25,970
Christina Fashion
BE 0821.050.659
Antwerpen · Eq €25,962
FUN AND FOOD GOZEE
BE 0887.385.989
Thuin · Eq €25,849
CYBERCOM.BE
BE 0467.212.178
Oostende · Eq €25,771
AXXELLUM
BE 0802.436.062
Wuustwezel · Eq €26,213
Of 3,226 companies in sector 47400 we hold annual accounts for 1,806. 1,275 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
Founded28-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
46500Wholesale of information and communication equipment
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.