FERMETTE
ActiveThe computed 12-month bankruptcy probability of FERMETTE is 1.7% (moderate). The 2025 annual accounts show equity of €3k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 13061 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency2▼-31
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.47 against 0.39 in 2024), and 97.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
2.8%
Return on assets
12%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
14 d late
2024
31 d early
2023
28 d early
2022
on the day
2021
26 d late
2020
32 d early
2019
32 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k
2024 · €-10k
2018: €-10k
2019: €-11k
2020: €-5k
2021: €8k
2022: €-25k
2023: €-70k
2024: €-10k
2018 → 2025
Total assets
€112k▼ 27.0%
2024 · €154k
2018: €23k
2019: €17k
2020: €21k
2021: €201k
2022: €180k
2023: €144k
2024: €154k
2018 → 2025
Net result
€13k▼ 77.3%
2024 · €60k
2018: €-6k
2019: €-2k
2020: €7k
2021: €12k
2022: €-33k
2023: €-44k
2024: €60k
2018 → 2025
Working capital
€-41k▲ 39.3%
2024 · €-68k
2018: €-10k
2019: €-10k
2020: €-1k
2021: €-56k
2022: €-61k
2023: €-115k
2024: €-68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€-25k€-70k▼ 175%€-10k▲ 85.2%€3k
Operating result€14k-€-28k€-41k▼ 43.9%€62k€15k▼ 76.1%
Net result€12k-€-33k€-44k▼ 33.9%€60k€13k▼ 77.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€76k▼ 30.9%
Current assets
€36k▼ 17.3%
Equity and liabilities €112k
Equity
€3k
Debt
€109k
Debt finances 97.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€60k▼
2024 · €105k
Cash flow
€58k▼
2024 · €102k
Solvency
2.8%▲
2024 · -6.7%
Current ratio
0.47▲
2024 · 0.39
Quick ratio
0.42▲
2024 · 0.36
Debt / equity
34.65▲
2024 · -15.88
ROE
428.5%▲
2024 · -575.1%
ROA
12.0%▼
2024 · 38.7%
Interest coverage
33.60▼
2024 · 39.27
Debt
€109k▼
2024 · €164k
Debt ≤ 1 year
€77k▼
2024 · €111k
Debt > 1 year
€25k▼
2024 · €46k
Income taxes
€132▼
2024 · €140
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€154k€112k▼
Fixed assets21/28€110k€76k▼
Intangible fixed assets21€23k€3k▼
Tangible fixed assets22/27€63k€47k▼
Plant, machinery and equipment23€55k€41k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€24k€26k▲
Current assets29/58€43k€36k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€2k€11k▲
Trade receivables40-€351
Other amounts receivable41€2k€11k▲
Cash at bank and in hand54/58€36k€18k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€154k€112k▼
Equity10/15€-10k€3k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-17k€-3k▲
Amounts payable17/49€164k€109k▼
Amounts payable after more than one year17€46k€25k▼
Financial debts170/4€46k€25k▼
Amounts payable within one year42/48€111k€77k▼
Current portion of amounts payable after more than one year42€25k€25k▼
Trade debts44€18k€4k▼
Suppliers440/4€18k€4k▼
Taxes, remuneration and social security45€194€40▼
Taxes450/3€194€40▼
Other amounts payable47/48€68k€48k▼
Accrued charges and deferred income492/3€7k€7k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€45k▲
Other operating charges640/8€15k€9k▼
Gross operating margin9900€120k€69k▼
Operating profit (loss)9901€62k€15k▼
Financial income75/76B-€508
Recurring financial income75-€508
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€60k€14k▼
Income taxes67/77€140€132▼
Profit (loss) for the period9904€60k€13k▼
Profit (loss) for the period to be appropriated9905€60k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-3k▲
Profit (loss) brought forward from the previous period14P€-76k€-17k▲
The notes to these accounts (12 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €60k
Net result €60k after 2 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-06-2025
Tjörven Dhondt: Resigned as Director
13-10-2022
Van Tornhout Jonas: Resigned as Director
06-09-2021
Deriemaeker Emma: Resigned as Director
15-01-2021
Willems Leen: Resigned as Director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2021
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.
Korenmarkt 199000 GentGround area
174 m²
Building footprint
146 m²
Volume, LiDAR
1,503 m³
Parcel 44803C0049/00C000, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DAMBERD
since 20212.314.912.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0049/00C000 | Flanders | 174 m² | 1 · 146 m² | 17.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.314.912.720
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,312. 3,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jonas_vt@hotmail.com