Checked.be
Active
BE 0424.630.168Private limited company
FERMON ANDRE
Pontweg(HA) 33 ·9450 Haaltert, Belgium· 43 yrs active
Sector: Roofing work
(43410)
Conclusion
FERMON ANDRE has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-6k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €77k |
| Net result | €-6k |
| Better than sector | 90% |
| Active | 43 yrs |
Financial profile
71
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
0
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1983, 43 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
78
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€6k
estimate, not credit advice
Score history
55
2022
68
2023
62
2024
78
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 5.78 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.88 (≥ 1.0)
+5
Leverage
Debt/equity 0.16 (< 1.0)
+10
Profitability
Negatieve ROE -7%
-10
Interest coverage
Interest coverage 38.5× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 01-02-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~3.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 85.9% | 47.4% | |
| Net result | €-6k | €10k | |
| Equity | €77k | €60k | |
| Gross operating margin | €16k | €39k | |
| Staff costs | €170 | €40k |
€16k
-
22-25
€-6k
+71.5%
22-25
€-5k
+92.3%
22-25
€90k
+1.8%
22-25
€77k
-6.7%
22-25
€61k
-12.4%
22-25
6
-
22-25
€170
+4.0%
22-25
€21k
-
22-25
€13k
+127.0%
22-25
€13k
+127.0%
22-25
5.78
-56.8%
22-25
1.88
-58.5%
22-25
85.9%
-8.3%
22-25
0.16
+143.2%
22-25
-7.2%
+69.4%
22-25
-6.1%
+72.0%
22-25
38.53
-
22-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | - | - | - | - |
| Net profit | +71.5% | - | - | - |
| Cash flow | - | - | - | - |
| Staff costs | +4.0% | -98.6% | -61.6% | - |
| Income taxes | - | - | - | - |
| Dividends | - | - | - | - |
| Total assets | +1.8% | -13.5% | +16.7% | - |
| Equity | -6.7% | -19.0% | +34.6% | - |
| Debt | +127.0% | - | - | - |
| of which ≤ 1y | +127.0% | - | - | - |
| of which > 1y | - | - | - | - |
| Working capital | -12.4% | - | - | - |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 5.78 | 13.38 | - | 6.02 |
| Quick ratio | 1.88 | 4.53 | - | 1.76 |
| Working capital ratio | 67.6% | 78.5% | - | 66.8% |
| Solvency | 85.9% | 93.7% | 100.0% | 86.7% |
| Debt / equity | 0.16 | 0.07 | - | 0.15 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 38.53 | - | - | -217.43 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -6.1% | -21.9% | 25.7% | -86.8% |
| ROE | -7.2% | -23.4% | 25.7% | -100.2% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €90k | €88k | €102k | €87k |
| Fixed assets | 21/28 | €16k | €13k | €17k | €17k |
| Tangible fixed assets | 22/27 | €3k | - | - | - |
| Financial fixed assets | 28 | €13k | €13k | €17k | €17k |
| Current assets | 29/58 | €73k | €75k | €84k | €70k |
| Stocks & contracts in progress | 3 | €50k | €50k | €50k | €50k |
| Amounts receivable within one year | 40/41 | €23k | €25k | €22k | €15k |
| Cash & bank | 54/58 | €585 | €136 | €13k | €5k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €90k | €88k | €102k | €87k |
| Equity | 10/15 | €77k | €83k | €102k | €76k |
| Contributions / capital | 10/11 | €123k | €123k | €112k | €112k |
| Reserves | 13 | €120k | €120k | €131k | €131k |
| Accumulated profits (losses) | 14 | €-166k | €-160k | €-141k | €-167k |
| Amounts payable | 17/49 | €13k | €6k | - | €12k |
| Amounts payable within one year | 42/48 | €13k | €6k | - | €12k |
| Trade debts payable within one year | 44 | €4k | €3k | - | €3k |
| Income statement | |||||
| Gross operating margin | 9900 | €16k | €-19k | €38k | €97k |
| Operating result | 9901 | €16k | €-19k | €27k | €-76k |
| Financial income | 75 | €588 | €6 | €10 | €72 |
| Financial charges | 65 | €414 | €343 | €415 | €305 |
| Result before taxes | 9903 | €16k | €-19k | €26k | €-76k |
| Income taxes | 67/77 | €21k | - | - | - |
| Net result for the period | 9904 | €-6k | €-19k | €26k | €-76k |
| Result to be appropriated | 9905 | €-6k | €-19k | €26k | €-76k |
Legal Structure
| NACE primary | Roofing work(43410) |
| Legal form | Private limited company(610) |
| Incorporation | 01-07-1983 |
| Status | Active |
| Postal code | 9450 |
Establishment units
Pontweg(HA) 33, 9450 Haaltert
since 19832.023.486.712
Sint-Jorisstraat 2, 1050 Elsene
since 19892.023.486.613
Real-estate footprint
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024C1013/00R000 | Flanders | 474 m² | 1 · 168 m² | 10.9 m · 2 fl. |
| 21447B0135/00R010 | Brussels | 159 m² | 1 · 163 m² | 23.3 m · 7 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
30-06
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
30-06
Financial
Equity above €100kEq €102k ▲34.6%
Equity rises from €76k to €102k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
08-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 98 days late
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 217 days late
2017
07-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Roofing work4341045220
Names & trade names
| Legal nameNL | FERMON ANDRE |
Similar companies
Arkodak
BE 0791.960.062 · Malle
BEKAERT ROBBY
BE 0563.472.208 · Moorslede
DAKWERKEN AERTGEERTS
BE 0804.469.993 · Olen
HOUTCONSTRUCTIES HERMANS
BE 0790.563.757 · Zutendaal
FONTIGNIE
BE 0439.221.740 · Binche