Summary
FERNAND TALPE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.1m and a net result of €24,836. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 92% of 6155 sector peers (fiscal year 2024). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-07-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
6 d early
2022
7 d early
2021
78 d late
2020
89 d late
2019
48 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.1m▲ 2.2%
2023 · €1.1m
Net result
€24,836
2023 · -€27,808
Total assets
€1.2m▼ 9.6%
2023 · €1.3m
Solvency
96.3%▲ 11.2pp
2023 · 85.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result-€242,579-€6,309▲ 97.4%-€15,444▼ 145%-€24,583▼ 59.2%-€17,704▲ 28.0%
Net result-€520,513below the sector's middle half€92,099within the sector's middle half-€8,869below the sector's middle half-€27,808below the sector's middle half▼ 214%€24,836within the sector's middle half
Equity€1.1mwithin the sector's middle half▼ 32.8%€1.2mwithin the sector's middle half▲ 8.6%€1.1mwithin the sector's middle half▼ 0.8%€1.1mwithin the sector's middle half▼ 2.4%€1.1mwithin the sector's middle half▲ 2.2%
Total assets€1.5mwithin the sector's middle half▼ 25.2%€1.4mwithin the sector's middle half▼ 7.4%€1.3mwithin the sector's middle half▼ 5.1%€1.3mwithin the sector's middle half▼ 2.1%€1.2mwithin the sector's middle half▼ 9.6%
Debt€464,480▲ 1.2%€259,279▼ 44.2%€196,306▼ 24.3%€195,275▼ 0.5%€43,630▼ 77.7%
Working capital€459,904▼ 18.5%€549,496▲ 19.5%€578,279▲ 5.2%€550,642▼ 4.8%€1.1m▲ 97.5%
Solvency69.6%within the sector's middle half▼ 7.9pp81.7%above the sector's middle half▲ 12.1pp85.4%above the sector's middle half▲ 3.7pp85.2%above the sector's middle half▼ 0.2pp96.3%above the sector's middle half▲ 11.2pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17,704 in 2024 against €24,583 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€61,930 ▼ 89.1%
Current assets
€1.1m ▲ 51.1%
Equity and liabilities €1.2m
Equity
€1.1m ▲ 2.2%
Debt
€43,630 ▼ 77.7%
Debt's share of the balance-sheet total falls from 14.8% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.2%▲
2023 · -2.5%
ROA
2.1%▲
2023 · -2.1%
Debt ≤ 1 year
€39,825▼
2023 · €195,275
Income taxes
€0▼
2023 · €1,504
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €0 | - | - | - | - |
| Other operating charges640/8 | - | €16,397 | €1,378 | €5,838 | €1,174 | ▼ 79.9% |
| Non-recurring operating charges66A | - | €0 | - | - | - | - |
| Gross operating margin9900 | -€40,270 | €10,088 | -€14,066 | -€18,746 | -€16,531 | ▲ 11.8% |
| Operating profit (loss)9901 | -€242,579 | -€6,309 | -€15,444 | -€24,583 | -€17,704 | ▲ 28.0% |
| Financial income75/76B | - | €100,000 | €12,170 | €26 | €43,870 | ▲ 170,004% |
| Recurring financial income75 | €160,203 | €100,000 | €12,170 | €0 | €43,870 | - |
| Non-recurring financial income76B | - | - | - | €26 | €43,870 | ▲ 170,004% |
| Financial charges65/66B | - | €1,592 | €5,594 | €1,747 | €1,330 | ▼ 23.9% |
| Recurring financial charges65 | €24,443 | €1,592 | €5,594 | €1,747 | €1,330 | ▼ 23.9% |
| Non-recurring financial charges66B | - | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€520,513 | €92,099 | -€8,869 | -€26,304 | €24,836 | ▲ 194% |
| Income taxes67/77 | €0 | - | - | €1,504 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€520,513 | €92,099 | -€8,869 | -€27,808 | €24,836 | ▲ 189% |
| Profit (loss) for the period to be appropriated9905 | -€520,513 | €92,099 | -€8,869 | -€27,808 | €24,836 | ▲ 189% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.4m | €1.3m | €1.3m | €1.2m | ▼ 9.6% |
| Fixed assets21/28 | €607,778 | €607,778 | €570,126 | €569,956 | €61,930 | ▼ 89.1% |
| Financial fixed assets28 | €607,778 | €607,778 | €570,126 | €569,956 | €61,930 | ▼ 89.1% |
| Current assets29/58 | €921,878 | €808,775 | €774,585 | €745,917 | €1.1m | ▲ 51.1% |
| Stocks and contracts in progress3 | €23,702 | €11,851 | €0 | - | - | - |
| Stocks30/36 | - | €11,851 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €595,430 | €668,263 | €757,936 | €739,671 | €1.1m | ▲ 48.9% |
| Trade receivables40 | - | €27,090 | €27,090 | €6,050 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €641,173 | €730,846 | €733,621 | €1.1m | ▲ 50.2% |
| Cash at bank and in hand54/58 | €302,746 | €128,661 | €16,649 | €6,246 | €381 | ▼ 93.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | €25,019 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.4m | €1.3m | €1.3m | €1.2m | ▼ 9.6% |
| Equity10/15 | €1.1m | €1.2m | €1.1m | €1.1m | €1.1m | ▲ 2.2% |
| Contributions10/11 | - | €824,846 | €824,846 | €824,846 | €824,846 | = |
| Reserves13 | €240,330 | €332,428 | €323,560 | €295,752 | €320,588 | ▲ 8.4% |
| Non-distributable reserves130/1 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves not available under the articles1311 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Distributable reserves133 | - | €282,428 | €273,560 | €245,752 | €270,588 | ▲ 10.1% |
| Amounts payable17/49 | €464,480 | €259,279 | €196,306 | €195,275 | €43,630 | ▼ 77.7% |
| Amounts payable within one year42/48 | €461,974 | €259,279 | €196,306 | €195,275 | €39,825 | ▼ 79.6% |
| Financial debts43 | - | - | - | €225 | €724 | ▲ 222% |
| Credit institutions430/8 | - | - | - | €225 | €724 | ▲ 222% |
| Trade debts44 | €8,646 | €9,903 | €478 | €6,519 | €3,307 | ▼ 49.3% |
| Suppliers440/4 | - | €9,903 | €478 | €6,519 | €3,307 | ▼ 49.3% |
| Taxes, remuneration and social security45 | - | €8,403 | €0 | - | - | - |
| Taxes450/3 | - | €8,403 | €0 | - | - | - |
| Other amounts payable47/48 | - | €240,973 | €195,828 | €188,531 | €35,794 | ▼ 81.0% |
| Accrued charges and deferred income492/3 | - | €0 | - | - | €3,805 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€520,513 | €92,099 | -€8,869 | -€27,808 | €24,836 | ▲ 189% |
| Operating cash flow (approximation) | -€520,513 | €92,099 | -€8,869 | -€27,808 | €24,836 | ▲ 189% |
| Investment in fixed assets (approximation) | - | €0 | €37,652 | €170 | €508,026 | ▲ 298,809% |
| Change in cash | - | -€174,085 | -€112,012 | -€10,404 | -€5,865 | ▲ 43.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
22-09
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €24,836
Net result €24,836 after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 28.30
Current ratio from 3.82 to 28.30; short-term debt falls from €195,275 to €39,825.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-12
Financial
Back to profitnet €92,099
Net result €92,099 after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet -€520,513
Net result drops to -€520,513, the lowest in the series; recovery starts the following year.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 48 days late
2019
31-12
Financial
Back to profitnet €287,752
Net result €287,752 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 2.23
Current ratio from 1.06 to 2.23; short-term debt falls from €844,161 to €459,033.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 acts for this company are 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, Brugge · 1 establishment unit since 1991
Ground area
1,332 m²
Building footprint
804 m²
Volume, LiDAR
8,685 m³
Parcel 31027D0504/00K000, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
FERTILTRADE INTERNATIONAL - FERTAGRO
since 19912.051.905.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0504/00K000 | Flanders | 1,332 m² | 1 · 804 m² | 14.8 m · 4 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
- Fertagro Trading USA LLCUSSourceown accounts 202410%
According to the 2024 annual accounts of FERNAND TALPE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 12,365 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 (pre-2019)
Founded30-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.