FERME TORCHET
ActiveFERME TORCHET has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €752k and a net result of €-25k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+22
Solvency70▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.97 in 2024; short-term debt: 26.6% of total assets), and 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-25k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
12 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€752k▼ 3.3%
2024 · €777k
2023: €856k
2024: €777k
2023 → 2025
Total assets
€1.68M▲ 4.9%
2024 · €1.61M
2023: €1.82M
2024: €1.61M
2023 → 2025
Net result
€-25k▲ 63.1%
2024 · €-69k
2023: €13k
2024: €-69k
2023 → 2025
Working capital
€150k▼ 30.9%
2024 · €217k
2023: €366k
2024: €217k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€856k-€777k▼ 9.2%€752k▼ 3.3%
Operating result€31k-€-55k€-6k▲ 89.5%
Net result€13k-€-69k€-25k▲ 63.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €55k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.08M▼ 6.9%
Current assets
€598k▲ 36.0%
Equity and liabilities €1.68M
Equity
€752k▼ 3.3%
Provisions
€10k▼ 14.3%
Debt
€922k▲ 12.8%
The debt ratio rises from 50.9% to 54.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€133k▲
2024 · €62k
Cash flow
€113k▲
2024 · €48k
Solvency
44.7%▼
2024 · 48.4%
Current ratio
1.33▼
2024 · 1.97
Quick ratio
0.78▼
2024 · 1.33
Debt / equity
1.23▲
2024 · 1.05
ROE
-3.4%▲
2024 · -8.8%
ROA
-1.5%▲
2024 · -4.3%
Interest coverage
6.22▲
2024 · 3.75
Debt
€922k▲
2024 · €817k
Debt ≤ 1 year
€448k▲
2024 · €223k
Debt > 1 year
€473k▼
2024 · €594k
Income taxes
€100▼
2024 · €245
Staff costs
€8k
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€1.61M€1.68M▲
Fixed assets21/28€1.17M€1.08M▼
Tangible fixed assets22/27€1.14M€1.05M▼
Land and buildings22€695k€679k▼
Plant, machinery and equipment23€142k€151k▲
Furniture and vehicles24€282k€225k▼
Assets under construction and advance payments27€16k-
Financial fixed assets28€30k€30k=
Current assets29/58€440k€598k▲
Amounts receivable after more than one year29€159€159=
Other amounts receivable291€159€159=
Stocks and contracts in progress3€144k€247k▲
Stocks30/36€144k€247k▲
Amounts receivable within one year40/41€221k€339k▲
Trade receivables40€93k€305k▲
Other amounts receivable41€128k€35k▼
Cash at bank and in hand54/58€50k-
Deferred charges and accrued income490/1€25k€12k▼
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.68M▲
Equity10/15€777k€752k▼
Contributions10/11€100k€91k▼
Reserves13€693k€696k▲
Non-distributable reserves130/1-€9k
Reserves not available under the articles1311-€9k
Tax-exempt reserves132€69k€62k▼
Distributable reserves133€624k€624k=
Profit (loss) carried forward14€-16k€-35k▼
Provisions and deferred taxes16€11k€10k▼
Deferred taxes168€11k€10k▼
Amounts payable17/49€817k€922k▲
Amounts payable after more than one year17€594k€473k▼
Financial debts170/4€594k€473k▼
Amounts payable within one year42/48€223k€448k▲
Current portion of amounts payable after more than one year42€121k€120k▼
Financial debts43-€44k
Other loans439-€44k
Trade debts44€86k€279k▲
Suppliers440/4€86k€279k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€10k-
Accrued charges and deferred income492/3€216-
Income statement
Code20242025
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€116k€139k▲
Other operating charges640/8€8k€17k▲
Gross operating margin9900€69k€158k▲
Operating profit (loss)9901€-55k€-6k▲
Financial income75/76B€1k€330▼
Recurring financial income75€1k€330▼
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€-70k€-27k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€245€100▼
Profit (loss) for the period9904€-69k€-25k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€-62k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-35k▼
Profit (loss) brought forward from the previous period14P€46k€-16k▼
Transfer from equity791/2€10k-
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (13 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-69k ▼620%
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
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, Burdinne · 1 establishment unit since 1988
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 Lambert Daxhelet(MAR) 394210 BurdinneGround area
4,414 m²
Building footprint
174 m²
Volume, LiDAR
1,946 m³
Parcel 61040A0609/00D000, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lambert Daxhelet(MAR) 39, 4210 Burdinne
since 19882.226.000.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61040A0609/00D000 | Wallonia | 4,414 m² | 1 · 174 m² | 13.1 m · 4 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 siteBurdinne2.226.000.342
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Of 20,593 companies in sector 01500 we hold annual accounts for 1,149. 843 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-1988
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:pierre.torchet@skynet.be
Phone:0475 673 456
Fax:085 711 227