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FERMIDO

Active
Private limited companyfounded 20251 yr activeSint-Jansstraat 23, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 1025.820.827
Summary

FERMIDO has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,295 and a net result of €19,841. Its solvency ranks better than 45% of 7794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency69
Growth-
Track record67
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.68; short-term debt: 55.8% and cash: 44.1% of total assets), but 55.8% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
44.2%
Return on assets
47.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 1 filing
Deviation from the deadline
2025
24 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

FERMIDO was incorporated on 24 July 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€18,295
Total assets
€41,422
Net result
€19,841
Working capital
€15,748

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €41,422
Fixed assets €2,548
Current assets €38,874
Equity and liabilities €41,422
Equity €18,295
Debt €23,126
Debt finances 55.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€26,444
Cash flow
€19,986
Current ratio
1.68
Debt to equity
1.26
ROE
108.5%
ROA
47.9%
Interest coverage
32.16
Debt ≤ 1 year
€23,126
Income taxes
€5,636

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€41,422
Fixed assets21/28€2,548
Tangible fixed assets22/27€2,548
Plant, machinery and equipment23€1,585
Furniture and vehicles24€963
Current assets29/58€38,874
Amounts receivable within one year40/41€18,634
Trade receivables40€18,634
Cash at bank and in hand54/58€18,276
Deferred charges and accrued income490/1€1,964
Equity and liabilities
Total equity and liabilities10/49€41,422
Equity10/15€18,295
Contributions10/11€120
Reserves13€18,175
Distributable reserves133€18,175
Amounts payable17/49€23,126
Amounts payable within one year42/48€23,126
Financial debts43€10
Credit institutions430/8€10
Trade debts44€4,657
Suppliers440/4€4,657
Taxes, remuneration and social security45€9,563
Taxes450/3€9,563
Other amounts payable47/48€8,896
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144
Other operating charges640/8€412
Gross operating margin9900€26,856
Operating profit (loss)9901€26,300
Financial charges65/66B€822
Recurring financial charges65€822
Profit (loss) for the period before taxes9903€25,478
Income taxes67/77€5,636
Profit (loss) for the period9904€19,841
Profit (loss) for the period to be appropriated9905€19,841
Appropriation of the result
Profit (loss) to be appropriated9906€19,841
Transfer to equity691/2€18,175
To other reserves6921€18,175
Profit to be distributed694/7€1,666
Return on contributions (dividend)694€1,666

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€144
Other operating charges640/8€412
Gross operating margin9900€26,856
Operating profit (loss)9901€26,300
Financial charges65/66B€822
Recurring financial charges65€822
Profit (loss) for the period before taxes9903€25,478
Income taxes67/77€5,636
Profit (loss) for the period9904€19,841
Profit (loss) for the period to be appropriated9905€19,841
Line2025
Assets
Total assets20/58€41,422
Fixed assets21/28€2,548
Tangible fixed assets22/27€2,548
Plant, machinery and equipment23€1,585
Furniture and vehicles24€963
Current assets29/58€38,874
Amounts receivable within one year40/41€18,634
Trade receivables40€18,634
Cash at bank and in hand54/58€18,276
Deferred charges and accrued income490/1€1,964
Equity and liabilities
Total equity and liabilities10/49€41,422
Equity10/15€18,295
Contributions10/11€120
Reserves13€18,175
Distributable reserves133€18,175
Amounts payable17/49€23,126
Amounts payable within one year42/48€23,126
Financial debts43€10
Credit institutions430/8€10
Trade debts44€4,657
Suppliers440/4€4,657
Taxes, remuneration and social security45€9,563
Taxes450/3€9,563
Other amounts payable47/48€8,896
Line2025
Profit (loss) for the period9904€19,841
+ Depreciation and write-downs630€144
Operating cash flow (approximation)€19,986

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Heusden-Zolder · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,313 m²
Building footprint
188 m²
Volume, LiDAR
1,050 m³
Parcel 71025A2013/00A007, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FERMIDO
Sint-Jansstraat 23, 3550 Heusden-ZolderOther business support services
since 20252.376.392.904
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71025A2013/00A007 Flanders 1,312 m² 1 · 188 m² 8.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 5,662 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded24-07-2025
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1025820827
Also 9925:BE1025820827
Registered 11-08-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.