Equity
€292,081 ▼ 27.7%
FERN - SOFWARE EFFENCIENCY paid out €56,415 in dividends in a year with a loss of €55,477.
FERN - SOFWARE EFFENCIENCY
Lifetime
20 annual accounts with figures on one time axis, 34 filings since 1992peak €341,887 (2021)
€75,164▼ 45.8%
lowest -€55,477 (2025)
-€55,477▼ €70,694
peak €447,213 (2021)
€292,081▼ 27.7%
€241,721▲ 134%
peak 3.1 FTE (2019)
0 FTE▼ 100%
Board2 names since 1991
2 directorsvan der VAEREN Bruno and 1 other
Owners
Documentsfilings and deeds
23-06-202638 days before the deadline
2025abbreviated format
Gross margin from €138,749 to €75,164Loss of €55,477Staff from 1 FTE to 0 FTEDividend €56,415Equity from €403,973 to €292,081Debts from €103,505 to €241,721
Key points
from the 2025 annual accountsResult
-€55,477 -€55,477
From profit to loss in 2025, after a profit of €15,217 in 2024.
Turnover
≈ €150,000 estimated
The abbreviated format states no turnover.
Debts
€241,721 ▲ 134%
Debts rose by €138,215 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Liquidity
1.35 was 3.60 in 2024
Short-term debts rose from €81,485 to €241,721.
Position in the sector
-€55,477
Lower net result than 92% of companies in head offices and management consultancy. Sector median €37,464 · 10,858 companies.
Checked score
92
Excellent
Financially stronger than 36% of micro companies in head offices and management consultancy (NACE 70)
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 48,570 companies (NACE 70, 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: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged 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: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €55,477 (financial year 2025)
lowers risk
Liquidity: current ratio 1.35, cash €185,928
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €533,802
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 70, micro). It does better than 50% of them on solvency, 64% on liquidity, 9% on profitability and 19% 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 31-12-2025.
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, 929 companies had the same profile as FERN - SOFWARE EFFENCIENCY has now. Each dot stands for 3 companies, two years later.
90.1%
were still trading
8.8%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of FERN - SOFWARE EFFENCIENCY itself: 0.1% within 12 months.
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 929 companies, not a prediction for FERN - SOFWARE EFFENCIENCY. 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.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.35 (3.6 in 2024), below the usual 1.5. Short-term debt is 45.3% and cash 34.8% of total assets. 45.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 days early
2024
21 days late
2023
36 days early
2022
56 days early
2021
45 days early
2020
39 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · 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 23 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445895538
Change of role: van der VAEREN Bruno, from manager to director
Director discharge: van der VAEREN Bruno · General meeting of 18-12-2023 · Gazette deed
Appointment: Van der Vaeren Maximilien (director)
General meeting of 01-01-2023 · Gazette deed
First establishment
Chartreuzenberg 39, Holsbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FERN - SOFWARE EFFENCIENCY Holsbeek | €533,802 | €75,164 | 54.7% | 0 |
| IMMOBILIEN DEMAN Ledegem | €583,279 | €88,380 | 54.3% | 0 |
| CONDUCT Oosterzele | €608,228 | €79,858 | 27.3% | 0 |
| MIKOSA Koksijde | €694,494 | €78,533 | 88.5% | 0 |
| HALUDI Roeselare | €476,144 | €62,404 | 65.3% | 0 |
| DENIANEX Antwerp | €467,669 | €63,739 | 66.7% | 0 |
| Montall Plant & Property Heist-op-den-Berg | €529,956 | €105,662 | 53.7% | 0 |
These companies have the same main activity as FERN - SOFWARE EFFENCIENCY: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €468,000 and €694,000, founded between 1989 and 1997.
Official details
Source: KBO- Status
- Active since 10-12-1991Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.055.714.5653220 Holsbeek, since 13-01-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 05-11-2025
Annual accounts 2025
- €533,802▲ 5.2%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on FERN - SOFWARE EFFENCIENCY
FERN - SOFWARE EFFENCIENCY files the abbreviated format. That format states no turnover. The gross margin fell from €119,073 in 2006 to €75,164 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 FERN - SOFWARE EFFENCIENCY
- What is the company number of FERN - SOFWARE EFFENCIENCY?
- The company number of FERN - SOFWARE EFFENCIENCY is 0445.895.538. The VAT number is the same number with BE in front: BE 0445.895.538.
- Where is FERN - SOFWARE EFFENCIENCY based?
- The registered office is at Chartreuzenberg 39, 3220 Holsbeek.Company details
- What does FERN - SOFWARE EFFENCIENCY do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of FERN - SOFWARE EFFENCIENCY?
- FERN - SOFWARE EFFENCIENCY is a private limited company (BV).
- When was FERN - SOFWARE EFFENCIENCY founded?
- FERN - SOFWARE EFFENCIENCY was founded on 10-12-1991.
- Is FERN - SOFWARE EFFENCIENCY still active?
- Yes, FERN - SOFWARE EFFENCIENCY is an active enterprise in the KBO register.
- How many employees does FERN - SOFWARE EFFENCIENCY have?
- FERN - SOFWARE EFFENCIENCY had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of FERN - SOFWARE EFFENCIENCY?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €75,164 and 65 comparable companies (NACE 70200). It probably lies between €110,000 and €230,000.
- Is FERN - SOFWARE EFFENCIENCY profitable?
- In financial year 2025, FERN - SOFWARE EFFENCIENCY made a loss of €55,477.
- Where can I find the annual accounts of FERN - SOFWARE EFFENCIENCY?
- FERN - SOFWARE EFFENCIENCY filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FERN - SOFWARE EFFENCIENCY due?
- FERN - SOFWARE EFFENCIENCY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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