FERNEL-DIS
ActiveFERNEL-DIS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.32M and a net result of €461k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 4599 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▲+2
Solvency67▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.88 in 2023; short-term debt: 50.4% and cash: 38.3% of total assets), and 57.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42.5%
Return on assets
14.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
57 d late
2022
119 d late
2021
60 d late
2020
92 d late
2019
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€461k▲ 13.0%
2023 · €408k
2018: €5k
2019: €1k
2020: €2k
2021: €2k
2023: €408k
2018 → 2024
Working capital
€122k
2023 · €-178k
2018: €5k
2019: €6k
2020: €8k
2021: €9k
2023: €-178k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120232024Trend
Equity€260k-€262k▲ 0.7%€263k▲ 0.6%€1.26M▲ 378%€1.32M▲ 4.8%
Operating result€2k-€2k▲ 8.7%€2k▼ 10.6%€580k▲ 26,787%€650k▲ 12.1%
Net result€1k-€2k▲ 33.0%€2k▼ 11.6%€408k▲ 27,021%€461k▲ 13.0%
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 12% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.10M
Fixed assets
€1.42M▼ 16.5%
Current assets
€1.68M▲ 23.9%
Equity and liabilities €3.10M
Equity
€1.32M▲ 4.8%
Debt
€1.78M▼ 0.9%
The debt ratio falls from 58.9% to 57.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€957k▲
2023 · €881k
Cash flow
€767k▲
2023 · €708k
Solvency
42.5%▲
2023 · 41.1%
Current ratio
1.08▲
2023 · 0.88
Quick ratio
0.91▲
2023 · 0.72
Debt / equity
1.35▼
2023 · 1.43
ROE
35.0%▲
2023 · 32.4%
ROA
14.8%▲
2023 · 13.3%
Interest coverage
30.46▲
2023 · 27.10
Debt
€1.78M▼
2023 · €1.80M
Debt ≤ 1 year
€1.56M▲
2023 · €1.54M
Debt > 1 year
€106k▼
2023 · €124k
Income taxes
€159k▲
2023 · €140k
Staff costs
€1.21M▲
2023 · €1.10M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.06M€3.10M▲
Fixed assets21/28€1.70M€1.42M▼
Tangible fixed assets22/27€1.70M€1.42M▼
Land and buildings22€875k€790k▼
Plant, machinery and equipment23€771k€589k▼
Furniture and vehicles24€50k€37k▼
Financial fixed assets28€2k€663▼
Current assets29/58€1.36M€1.68M▲
Stocks and contracts in progress3€253k€266k▲
Stocks30/36€253k€266k▲
Amounts receivable within one year40/41€242k€217k▼
Trade receivables40€212k€217k▲
Other amounts receivable41€30k€99▼
Cash at bank and in hand54/58€850k€1.19M▲
Deferred charges and accrued income490/1€13k€15k▲
Equity and liabilities
Total equity and liabilities10/49€3.06M€3.10M▲
Equity10/15€1.26M€1.32M▲
Contributions10/11€84k€84k=
Reserves13€22k€22k=
Non-distributable reserves130/1€22k€22k=
Reserves not available under the articles1311€22k€22k=
Profit (loss) carried forward14€1.15M€1.21M▲
Amounts payable17/49€1.80M€1.78M▼
Amounts payable after more than one year17€124k€106k▼
Financial debts170/4€124k€106k▼
Amounts payable within one year42/48€1.54M€1.56M▲
Current portion of amounts payable after more than one year42€67k€32k▼
Trade debts44€1.02M€974k▼
Suppliers440/4€1.02M€974k▼
Taxes, remuneration and social security45€151k€157k▲
Taxes450/3€30k€46k▲
Remuneration and social security454/9€121k€111k▼
Other amounts payable47/48€300k€400k▲
Accrued charges and deferred income492/3€138k€115k▼
Income statement
Code20232024
Non-recurring operating income76A€650-
Remuneration, social security and pensions62€1.10M€1.21M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€301k€307k▲
Other operating charges640/8€25k€24k▼
Gross operating margin9900€2.01M€2.19M▲
Operating profit (loss)9901€580k€650k▲
Financial income75/76B-€900
Recurring financial income75-€900
Financial charges65/66B€33k€31k▼
Recurring financial charges65€33k€31k▼
Profit (loss) for the period before taxes9903€548k€620k▲
Income taxes67/77€140k€159k▲
Profit (loss) for the period9904€408k€461k▲
Profit (loss) for the period to be appropriated9905€408k€461k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.71M€1.61M▼
Profit (loss) brought forward from the previous period14P€2.30M€1.15M▼
Profit to be distributed694/7€1.56M€400k▼
Return on contributions (dividend)694€1.56M€400k▼
Social balance
Average headcount (FTE)908732.832.9▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €461k ▲13%
Operating result €650k, net result €461k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 57 days late
2023
31-12
Financial
Equity above €1MEq €1.26M ▲378%
5 profitable years in a row build equity to €1.26M.
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 119 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 92 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 62 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼74.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Fernelmont · 1 establishment unit since 2022
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.
Rue d'Eghezée, Forv. 165380 FernelmontGround area
512 m²
Building footprint
705 m²
Parcel 92047B0331/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue d'Eghezée, Forv. 16, 5380 Fernelmont
since 20222.333.193.953
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92047B0331/00Z000 | Wallonia | 512 m² | 1 · 705 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFernelmont2.333.193.953
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Delhaize Izegem
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 1,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2003
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.