Equity
€500 from €105,164 in 2023
Equity fell by 100% in 2 years.
FERMENTO
Lifetime
4 annual accounts with figures on one time axispeak €58,590 (2022)
€22,585▲ 52.9%
lowest -€10,022 (2024)
€8,791▲ €18,813
peak €105,164 (2023)
€500▼ 99.5%
€136,681▲ 19×
Board2 names since 2020
2 directorsFANTI Francesco and 1 other
Documentsfilings and deeds
13-02-202613 days late
2025micro format
Gross margin from €14,775 to €22,585Back to profit: €8,791Dividend €103,434Equity from €95,142 to €500Debts from €7,365 to €136,681Cash from €13,486 to €52,131
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The micro format states no turnover.
Debts
€136,681 100% of the balance sheet
Suppliers 8%Taxes and wages 17%Other 76%
Liquidity
0.88 was 10.44 in 2024
Short-term debts rose from €7,365 to €136,681.
Filings
4 annual accounts 4 late
The 2023 accounts came latest: 23 days after the end of the period.
Position in the sector
€500
Less equity than 91% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.
Checked score
90
Excellent
Financially stronger than 18% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024
02-2025: 0.4%▲ +0.2 percentage points vs 01-2025highest value
03-2025: 0.1%▼ -0.3 percentage points vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.3%▲ +0.2 percentage points vs 01-2026
03-2026: 0.1%▼ -0.2 percentage points vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €500 (0.4% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €137,181
Liquidity: current ratio 0.88, cash €52,131
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 9% of them on solvency, 23% on liquidity, 36% on profitability and 3% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,153 companies had the same profile as FERMENTO has now. Each dot stands for 6 companies, two years later.
96.1%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
The bankruptcy probability of FERMENTO itself is lower: 0.1% within 12 months. It rests on far more data about FERMENTO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,153 companies, not a prediction for FERMENTO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-02-2026, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
13 days late
2024
19 days late
2023
23 days late
2022
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 19 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 20 February (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Board and ownership
- MARIOTTI Raffaeledeed of 01-02-2023
- FANTI Francescodeed of 01-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0746476267
Registered office moved to Brussels
New registered office: rue du Noyer 183, 1000 Bruxelles · Appointments: MARIOTTI Raffaele (director) and FANTI Francesco (director) · Legal-form conversion: from general partnership to private limited company · General meeting of 29-12-2022 · Gazette deed
Incorporation
Founding capital of €500, 100 shares · Founders: Francesco FANTI and Raffaele MARIOTTI · Appointments: Francesco FANTI (manager) and Raffaele MARIOTTI (manager) · published on 27-04-2020 · Gazette deed
First establishment
Notelaarsstraat 183, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FERMENTO Brussels | €137,181 | €22,585 | 0.4% | - |
| PEAK Software Solutions Etterbeek | €145,718 | €24,231 | -10.7% | - |
| IT2DAY CONSULTING Aalst | €144,071 | €23,279 | 76.5% | - |
| LYRAE Enghien | €132,303 | €24,225 | 79.2% | - |
| Piece Of Cake IT Oudenaarde | €126,035 | €21,637 | 91.8% | - |
| ASKING FOR A FRIEND Beringen | €127,539 | €22,960 | 95.0% | - |
| MU Concepts Faimes | €140,472 | €24,969 | 38.7% | - |
These companies have the same main activity as FERMENTO: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €126,000 and €146,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 23-04-2020Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 2 others
- Establishment unit
- 2.302.577.6841000 Brussels, since 23-04-2020
- Financial year end
- 30 June
- Peppol
- Reachable since 04-12-2025
Insights on FERMENTO
FERMENTO files the micro format. That format states no turnover. The gross margin fell from €58,590 in 2022 to €22,585 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FERMENTO
- What is the company number of FERMENTO?
- The company number of FERMENTO is 0746.476.267. The VAT number is the same number with BE in front: BE 0746.476.267.
- Where is FERMENTO based?
- The registered office is at Notelaarsstraat 183, 1000 Brussels.Company details
- What does FERMENTO do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of FERMENTO?
- FERMENTO is a private limited company (BV).
- When was FERMENTO founded?
- FERMENTO was founded on 23-04-2020.
- Is FERMENTO still active?
- Yes, FERMENTO is an active enterprise in the KBO register.
- What is the turnover of FERMENTO?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €22,585 and 73 comparable companies (NACE 62200). It probably lies between €58,000 and €240,000. It is a rough estimate.Financials
- Is FERMENTO profitable?
- In financial year 2025, FERMENTO made a profit of €8,791.
- Where can I find the annual accounts of FERMENTO?
- FERMENTO filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FERMENTO due?
- FERMENTO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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