FERNIMMO
ActiveFERNIMMO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €792k and a net result of €-93k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
70
/ 100
Healthy▲ +18 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 7.24 against 6.36 in 2023), and 8.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.4%
Return on assets
-10.7%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€93k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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
57 d late
2023
23 d early
2022
106 d late
2021
99 d late
2020
89 d late
2019
125 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€792k▼ 10.5%
2023 · €885k
2018: €568k
2019: €569k
2020: €682k
2021: €917k
2022: €932k
2023: €885k
2018 → 2024
Total assets
€867k▼ 13.1%
2023 · €998k
2018: €593k
2019: €647k
2020: €1.07M
2021: €1.23M
2022: €1.09M
2023: €998k
2018 → 2024
Net result
€-93k▼ 94.0%
2023 · €-48k
2018: €-15k
2019: €160
2020: €151k
2021: €235k
2022: €15k
2023: €-48k
2018 → 2024
Working capital
€255k▼ 37.3%
2023 · €406k
2018: €345k
2019: €354k
2020: €514k
2021: €751k
2022: €758k
2023: €406k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€682k-€917k▲ 34.4%€932k▲ 1.7%€885k▼ 5.0%€792k▼ 10.5%
Operating result€153k-€327k▲ 114%€22k▼ 93.3%€-59k€-95k▼ 61.6%
Net result€151k-€235k▲ 55.6%€15k▼ 93.5%€-48k€-93k▼ 94.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €95k in 2024 against €59k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €867k
Fixed assets
€572k▲ 10.8%
Current assets
€295k▼ 38.7%
Equity and liabilities €867k
Equity
€792k▼ 10.5%
Provisions
€34k▼ 7.8%
Debt
€41k▼ 46.2%
The debt ratio falls from 7.6% to 4.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€5k▲
2023 · €-34k
Cash flow
€7k▲
2023 · €-23k
Solvency
91.4%▲
2023 · 88.7%
Current ratio
7.24▲
2023 · 6.36
Quick ratio
5.61▲
2023 · 5.50
Debt / equity
0.05▼
2023 · 0.09
ROE
-11.7%▼
2023 · -5.4%
ROA
-10.7%▼
2023 · -4.8%
Interest coverage
14.55▲
2023 · -114.60
Debt
€41k▼
2023 · €76k
Debt ≤ 1 year
€41k▼
2023 · €76k
Income taxes
€160▲
2023 · €159
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€998k€867k▼
Fixed assets21/28€516k€572k▲
Tangible fixed assets22/27€495k€550k▲
Land and buildings22€490k€548k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€21k€21k=
Current assets29/58€482k€295k▼
Stocks and contracts in progress3€65k€66k▲
Stocks30/36€65k€66k▲
Amounts receivable within one year40/41€44k€70k▲
Trade receivables40€10k€42k▲
Other amounts receivable41€34k€28k▼
Cash at bank and in hand54/58€371k€157k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€998k€867k▼
Equity10/15€885k€792k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€140k€131k▼
Non-distributable reserves130/1€16k€16k=
Reserves not available under the articles1311€16k€16k=
Tax-exempt reserves132€111k€102k▼
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€739k€655k▼
Provisions and deferred taxes16€37k€34k▼
Deferred taxes168€37k€34k▼
Amounts payable17/49€76k€41k▼
Amounts payable within one year42/48€76k€41k▼
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€38k€2k▼
Taxes450/3€38k€2k▼
Other amounts payable47/48€22k€23k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€100k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-30k€6k▲
Operating profit (loss)9901€-59k€-95k▼
Financial income75/76B€12k€31▼
Recurring financial income75€51€31▼
Non-recurring financial income76B€12k-
Financial charges65/66B€297€310▲
Recurring financial charges65€297€310▲
Profit (loss) for the period before taxes9903€-48k€-96k▼
Transfer from deferred taxes780-€3k
Income taxes67/77€159€160▲
Profit (loss) for the period9904€-48k€-93k▼
Transfer from tax-exempt reserves789€4k€9k▲
Profit (loss) for the period to be appropriated9905€-44k€-84k▼
Appropriation of the result
Profit (loss) to be appropriated9906€739k€655k▼
Profit (loss) brought forward from the previous period14P€783k€739k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet €-93k
Net result drops to €-93k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 99 days late
2021
31-12
Financial
Highest result since 2018net €235k ▲55.6%
Operating result €327k, net result €235k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 125 days late
2019
31-12
Financial
Back to profitnet €160
Net result €160 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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
3 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 2002
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 Mahy, Nov. 145380 FernelmontGround area
6,265 m²
Building footprint
114 m²
Parcel 92096A0188/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Mahy, Nov. 14, 5380 Fernelmont
since 20022.098.725.850
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92096A0188/00M000 | Wallonia | 6,265 m² | 1 · 114 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 siteFernelmont2.098.725.850
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COMPAGNIE TECHNIQUE ET FINANCIERE FABINVEST
BE 0448.980.435
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2001
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
01110Growing of cereals (except rice), leguminous crops and oil seeds
47761Retail sale of flowers, plants, seeds and fertilisers
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.