FERMENT

Active

Private limited companyfounded 2018active for 8 yearsDrie Egyptenbaan 11, 1755 Pajottegem, BelgiumKBO/BCE: BE 0693.795.864

Summary

FERMENT has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107,197 and a net result of €7,197. Equity is growing by about 3% per year across the filed financial years. Its solvency ranks better than 63% of 4,746 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisFollow Report Compare

FERMENTActiveChecked score 66/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111Cafés and bars NACE 56301

1 site

Size

€253,778total assets 2025

Staff: 9.4 FTE
Equity: €107,197
Profit: €7,197

Turnover not published (abbreviated or micro format)

Financial health

66 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.1%

Structure

Parent: KREFAM · 100%

Seppe SteenhouwerDaily manager

2025 accounts 1 day early1 of 5 deeds summarised

Why 66raises riskSize: 9.4 FTE, total assets €253,778Sector: Food and beverage service activities (NACE 56)lowers riskLiquidity: current ratio 1.30, cash €43,689Equity €107,197 (42.2% of total assets)Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 50% of its sector peers (NACE 56, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 67+11

equity 42.2% of total assets

Liquidity 45-3

short-term debt 53.0% · cash 17.2%

Profitability 67-14

return on assets 2.8%

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,756 companies, NACE 56, micro)

Last 24 months 11-2024: 1.5% 12-2024: 1.5%● unchanged vs 11-2024 01-2025: 1.5%● unchanged vs 12-2024 02-2025: 1.5%● unchanged vs 01-2025 03-2025: 1.5%● unchanged vs 02-2025 04-2025: 1.6%▲ +0.1 percentage points vs 03-2025 05-2025: 1.6%● unchanged vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.9%▲ +0.3 percentage points vs 06-2025 08-2025: 3.0%▲ +1.1 percentage points vs 07-2025highest value 09-2025: 1.6%▼ -1.4 percentage points vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.4%▼ -0.2 percentage points vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.4%● unchanged vs 02-2026 04-2026: 1.5%▲ +0.1 percentage points vs 03-2026 05-2026: 1.2%▼ -0.3 percentage points vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.5%▲ +0.3 percentage points vs 06-2026 08-2026: 1.1%▼ -0.4 percentage points vs 07-2026lowest value 09-2026: 1.1%● unchanged vs 08-2026lowest value 10-2026: 1.1%● unchanged vs 09-2026lowest value

Credit of up to €7,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.3, compared with 1.36 in 2024, below the usual 1.5; short-term debt: 53% and cash: 17.2% of total assets), and 57.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro): better than 61% on solvency, 40% on liquidity, 46% on profitability and 53% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

lowers riskraises riskneutral

Size: 9.4 FTE, total assets €253,778

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Food and beverage service activities (NACE 56)

KBO

Liquidity: current ratio 1.30, cash €43,689

NBB · annual accounts

Equity €107,197 (42.2% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

1 day early

2024

19 days late

2023

on the day

2022

2 days late

2021

26 days early

2020

1 day early

2019

26 days late

← 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 3 days after the deadline; the sector median (NACE 56) for financial year 2024 is 7 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-10-2025 Appointment: Seppe Steenhouwer (director)Permanent representative: Jeroen Vanderlinden ·…
19-08-2025 Annual accounts filedfinancial year 2024 · abbreviated…

Key points

Controlled by KREFAM 100% View
Positive: 7 profitable years in a rowprofit 2025: €7,197 7 years View
One director decidessole director in office 1 View

By topic

Financials

Financial year: 2025
Total assets: €253,778
Profit: €7,197
Solvency: 42.2%

Total assets▼ 22.3%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member
Parent: KREFAM · 100%

Seppe SteenhouwerDaily manager

Go to Board & ownership

Timeline

Events: 12
Since: 2019
Next accounts: by 31-07-2027

31-07-2024Annual accounts filed
02-08-2023Annual accounts filed
05-07-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Full-service restaurantsNACE 56111
Founded: 30-03-2018
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about FERMENT

What is the company number of FERMENT?: 0693.795.864. In Belgium the VAT number is the company number with BE in front: BE 0693.795.864.
Where is FERMENT based?: The registered office is at Drie Egyptenbaan 11, 1755 Pajottegem.Company details
What does FERMENT do?: According to the KBO register, the main activity is full-service restaurants (NACE 56111).
What is the legal form of FERMENT?: Private limited company (BV).
When was FERMENT founded?: On 30-03-2018.
Is FERMENT still active?: Yes, FERMENT is an active enterprise in the KBO register.
How many employees does FERMENT have?: On average 9.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FERMENT?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is FERMENT profitable?: In financial year 2025, FERMENT made a profit of €7,197.
Where can I find the annual accounts of FERMENT?: FERMENT filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FERMENT due?: By 31-07-2027, for financial year 2026.Timeline