FERNEZ IMMO
ActiveFERNEZ IMMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €654k and a net result of €39k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency86▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.64 in 2024; short-term debt: 31.9% and cash: 34.6% of total assets), and 38.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
61.3%
Return on assets
3.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
24 d late
2023
16 d late
2022
22 d late
2021
on the day
2020
3 d early
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€39k▲ 22.2%
2024 · €32k
2019: €47k
2020: €33k
2021: €19k
2022: €177k
2023: €51k
2024: €32k
2019 → 2025
Working capital
€129k▼ 28.0%
2024 · €180k
2019: €-240k
2020: €-231k
2021: €-153k
2022: €154k
2023: €211k
2024: €180k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€533k▲ 49.5%€584k▲ 9.5%€615k▲ 5.4%€654k▲ 6.3%
Operating result€30k-€236k▲ 686%€70k▼ 70.3%€44k▼ 37.0%€62k▲ 40.3%
Net result€19k-€177k▲ 812%€51k▼ 71.3%€32k▼ 37.6%€39k▲ 22.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€597k▲ 3.9%
Current assets
€470k▲ 2.1%
Equity and liabilities €1.07M
Equity
€654k▲ 6.3%
Provisions
€48k▼ 0.7%
Debt
€365k▼ 1.7%
The debt ratio falls from 35.9% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▲
2024 · €82k
Cash flow
€74k▲
2024 · €70k
Solvency
61.3%▲
2024 · 59.5%
Current ratio
1.38▼
2024 · 1.64
Quick ratio
1.38▼
2024 · 1.64
Debt / equity
0.56▼
2024 · 0.60
ROE
5.9%▲
2024 · 5.1%
ROA
3.6%▲
2024 · 3.1%
Interest coverage
11.99▼
2024 · 39.17
Debt
€365k▼
2024 · €371k
Debt ≤ 1 year
€340k▲
2024 · €280k
Debt > 1 year
€19k▼
2024 · €91k
Income taxes
€16k▲
2024 · €11k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.07M▲
Fixed assets21/28€575k€597k▲
Tangible fixed assets22/27€575k€597k▲
Land and buildings22€569k€578k▲
Plant, machinery and equipment23€3k€17k▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€460k€470k▲
Amounts receivable within one year40/41€81k€99k▲
Other amounts receivable41€81k€99k▲
Cash at bank and in hand54/58€366k€369k▲
Deferred charges and accrued income490/1€13k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.07M▲
Equity10/15€615k€654k▲
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€147k€146k▼
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Tax-exempt reserves132€144k€143k▼
Profit (loss) carried forward14€437k€477k▲
Provisions and deferred taxes16€48k€48k▼
Deferred taxes168€48k€48k▼
Amounts payable17/49€371k€365k▼
Amounts payable after more than one year17€91k€19k▼
Financial debts170/4€91k€19k▼
Amounts payable within one year42/48€280k€340k▲
Current portion of amounts payable after more than one year42€269k€299k▲
Trade debts44-€21k
Suppliers440/4-€21k
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€11k€21k▲
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€35k▼
Other operating charges640/8€13k€13k▲
Non-recurring operating charges66A-€7k
Gross operating margin9900€95k€118k▲
Operating profit (loss)9901€44k€62k▲
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€2k€8k▲
Recurring financial charges65€2k€8k▲
Profit (loss) for the period before taxes9903€42k€54k▲
Transfer from deferred taxes780€346€346=
Income taxes67/77€11k€16k▲
Profit (loss) for the period9904€32k€39k▲
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€33k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€437k€477k▲
Profit (loss) brought forward from the previous period14P€404k€437k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 24 days late
2024
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 16 days late
2023
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
30-06
Financial
Highest result since 2019net €177k ▲812%
Operating result €236k, net result €177k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 1.53
Current ratio from 0.47 to 1.53.
30-06
Financial
Equity above €500kEq €533k ▲49.5%
4 profitable years in a row build equity to €533k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Weakest financial yearnet €19k ▼41.6%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 26 days late
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Saint-Ghislain · 1 establishment unit since 1989
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.
Place de la Résistance(B) 17331 Saint-GhislainGround area
693 m²
Building footprint
371 m²
Volume, LiDAR
2,546 m³
Parcel 53009B0062/00F010, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FERNEZ IMMO
since 19892.044.705.065
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53009B0062/00F010 | Wallonia | 693 m² | 1 · 371 m² | 9.2 m · 2 fl. |
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.
Similar companies · same sector, comparable size
Hubert Lanckriet
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BECO BEHEER
BE 0877.886.028
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AXIM
BE 0784.939.341
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Home Build Service
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Beyne-Heusay · Eq €653k
DANAR
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Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 5,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-05-1989
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.