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FERNEZ IMMO

Active
Public limited companyfounded 1989active for 37 yearsPlace de la Résistance(B) 1, 7331 Saint-Ghislain, BelgiumKBO/BCE: BE 0437.662.218
Summary

FERNEZ IMMO has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €653,886 and a net result of €38,644. Equity has been growing by about 14% per year since 2019. Its solvency ranks better than 68% of 5,796 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 30-05-1989 Normal situation
Activity
Renting and operating of own or leased residential real estate, excluding social housing NACE 68201and 1 other
Establishment unit
2.044.705.065 7331 Saint-Ghislain, since 11-09-1989
Financial year end
30 June
Peppol
Reachable since 03-03-2026

Board and ownership

Board

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-06-2025
Gross margin
€118,113
▲ 24.4%
Turnover
≈ €170,000
estimated
Profit
€38,644
▲ 22.2%
Equity
€653,886
▲ 6.3%
Total assets
€1.1m
▲ 3.1%
Score breakdownlowers riskSize: total assets €1.1mLiquidity: current ratio 1.38, cash €369,085Founded in 1989Equity €653,886 (61.3% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 71% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Strong
Solvency 86+2
equity 61.3% of total assets
Liquidity 80-4
short-term debt 31.9% · cash 34.6%
Profitability 73=
return on assets 3.6%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,630 companies, NACE 68, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: 0.1%▲ +0.1 percentage points vs 01-2025highest value 03-2025: < 0.1%▼ -0.1 percentage points vs 02-2025lowest value 04-2025: < 0.1%● unchanged vs 03-2025lowest value 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025lowest value 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 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €60,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.38 (1.64 in 2024), below the usual 1.5. Short-term debt is 31.9% and cash 34.6% of total assets. 38.7% of the assets are financed with debt and provisions.
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 68, micro). It does better than 72% of them on solvency, 86% on liquidity, 66% on profitability and 61% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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Signals

Five signals.
lowers riskneutral
lowers risk · Size: total assets €1.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.38, cash €369,085
NBB · annual accounts
lowers risk · Founded in 1989
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €653,886 (61.3% of total assets)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
1 day early
2024
24 days late
2023
16 days late
2022
22 days late
2021
on the day
2020
3 days early
2019
25 days late
← 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 12 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 16 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end03-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 3rd oldest company in Saint-Ghislain, Real estate sectorin the Checked rankings No. 3 View
  • Positive: 7 profitable years in a rowprofit 2025: €38,644 7 years View

Recent changes

  1. · Gazette deed Capital increase of €30,513.31 to €61,500Resignation: FERNEZ Emilie (director) · Appointment: G.E.P.E.F. (sole director) · Permanent representative: FERNEZ Eric
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as FERNEZ IMMO: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €858,000 and €1.3m, founded between 1983 and 1991.

CompanyTotal assetsGross margin
FERNEZ IMMO Saint-Ghislain€1.1m€0.1m
FIELD Mons€1.0m€0.1m
G.B.J. INVEST Froidchapelle€1.3m€0.1m
CONSTANTIN Mons€0.9m€0.1m
GOJO Beveren-Kruibeke-Zwijndrecht€1.0m€0.1m
EDVERIM Sint-Katelijne-Waver€1.0m€0.1m
G.E.O.M.I. II Mont-Saint-Guibert€1.0m€0.1m
Full comparison

Key facts about FERNEZ IMMO

What is the company number of FERNEZ IMMO?
The company number of FERNEZ IMMO is 0437.662.218. The VAT number is the same number with BE in front: BE 0437.662.218.
Where is FERNEZ IMMO based?
The registered office is at Place de la Résistance(B) 1, 7331 Saint-Ghislain.Company details
What does FERNEZ IMMO do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of FERNEZ IMMO?
The legal form of FERNEZ IMMO is Public limited company (NV).
When was FERNEZ IMMO founded?
FERNEZ IMMO was founded on 30-05-1989.
Is FERNEZ IMMO still active?
Yes, FERNEZ IMMO is an active enterprise in the KBO register.
What is the turnover of FERNEZ IMMO?
The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €118,113 and 31 comparable companies (NACE 68201). It probably lies between €130,000 and €230,000.Financials
Is FERNEZ IMMO profitable?
In financial year 2025, FERNEZ IMMO made a profit of €38,644.
Where can I find the annual accounts of FERNEZ IMMO?
FERNEZ IMMO filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FERNEZ IMMO due?
FERNEZ IMMO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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