FERNIMMO
ActiveSummary
FERNIMMO has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €792,153 and a net result of -€92,779. Equity is growing by about 9.1% per year across the filed financial years. Its solvency ranks better than 92% of 19,155 sector peers (NACE 68, financial year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
- Equity
- €792,153
- Loss
- -€92,779
- Holdings
- 2
- Eric VERDBOISDirector
Why 56raises riskCapped at 59: a confirmed filing findingLoss of €92,779, the second in a row (financial year 2024)1 financial year not filed after the legal deadline; last filed accounts filed 57 days late; 2 of the last 3 latelowers riskEquity €792,153 (91.4% of total assets)Founded in 2001Show the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 91% on solvency, 82% on liquidity, 46% on profitability and 28% on growth.
The bankruptcy probability was computed on 28-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 76 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet -€92,779
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 29 October 2026.
2020 to 2024, 5 financial years 2018 to 2024, 7 financial years
The operating result stays negative: a loss of €95,222 in 2024 against €58,919 in 2023; the loss grows and 2024 has the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 929 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 90.1% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 929 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,855 | €9,229 | €9,013 | €2,330 | €3,812 | €24,875 | €99,736 | ▲ 301% |
| Other operating charges640/8 | - | - | - | €990 | €1,161 | €4,330 | €1,534 | ▼ 64.6% |
| Gross operating margin9900 | €8,603 | €11,481 | €162,777 | €330,336 | €26,804 | -€29,714 | €6,047 | - |
| Operating profit (loss)9901 | -€14,003 | €650 | €152,793 | €327,016 | €21,831 | -€58,919 | -€95,222 | ▼ 61.6% |
| Financial income75/76B | - | - | - | €32 | €21 | €11,551 | €31 | ▼ 99.7% |
| Recurring financial income75 | €17 | €66 | €578 | €32 | €21 | €51 | €31 | ▼ 40.7% |
| Non-recurring financial income76B | - | - | - | - | - | €11,500 | - | - |
| Financial charges65/66B | - | - | - | €8,341 | €359 | €297 | €310 | ▲ 4.5% |
| Recurring financial charges65 | €823 | €533 | €2,394 | €8,341 | €359 | €297 | €310 | ▲ 4.5% |
| Profit (loss) for the period before taxes9903 | -€14,809 | €183 | €150,977 | €318,707 | €21,492 | -€47,665 | -€95,502 | ▼ 100% |
| Transfer from deferred taxes780 | - | - | - | - | - | - | €2,883 | - |
| Income taxes67/77 | €227 | €23 | €21 | €83,868 | €6,171 | €159 | €160 | ▲ 0.8% |
| Profit (loss) for the period9904 | -€15,036 | €160 | €150,956 | €234,839 | €15,322 | -€47,823 | -€92,779 | ▼ 94.0% |
| Transfer from tax-exempt reserves789 | - | - | - | - | - | €3,574 | €8,647 | ▲ 142% |
| Profit (loss) for the period to be appropriated9905 | -€15,036 | €160 | -€344 | €234,839 | €15,322 | -€44,249 | -€84,132 | ▼ 90.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.6m | €0.6m | €1.1m | €1.2m | €1.1m | €1.0m | €0.9m | ▼ 13.1% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.5m | €0.6m | ▲ 10.8% |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.5m | €0.6m | ▲ 11.2% |
| Land and buildings22 | - | - | - | €0.2m | €0.2m | €0.5m | €0.5m | ▲ 11.7% |
| Plant, machinery and equipment23 | - | - | - | €24 | - | €0.002m | €0.002m | ▼ 20.0% |
| Furniture and vehicles24 | - | - | - | €163 | €0.001m | €0.002m | €0.001m | ▼ 53.0% |
| Financial fixed assets28 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Current assets29/58 | €0.4m | €0.4m | €0.9m | €1.0m | €0.9m | €0.5m | €0.3m | ▼ 38.7% |
| Stocks and contracts in progress3 | €0.2m | €0.4m | €0.8m | €0.06m | €0.06m | €0.06m | €0.07m | ▲ 2.5% |
| Stocks30/36 | - | - | - | €0.06m | €0.06m | €0.06m | €0.07m | ▲ 2.5% |
| Amounts receivable within one year40/41 | €0.03m | €0.01m | €0.03m | €0.02m | €0.04m | €0.04m | €0.07m | ▲ 60.0% |
| Trade receivables40 | - | - | - | €0.02m | €0.01m | €0.01m | €0.04m | ▲ 323% |
| Other amounts receivable41 | - | - | - | €0.001m | €0.03m | €0.03m | €0.03m | ▼ 17.5% |
| Cash at bank and in hand54/58 | €0.2m | €0.06m | €0.04m | €0.9m | €0.8m | €0.4m | €0.2m | ▼ 57.7% |
| Deferred charges and accrued income490/1 | - | - | - | €0.003m | €0.002m | €0.002m | €0.002m | ▼ 11.6% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.6m | €0.6m | €1.1m | €1.2m | €1.1m | €1.0m | €0.9m | ▼ 13.1% |
| Equity10/15 | €0.6m | €0.6m | €0.7m | €0.9m | €0.9m | €0.9m | €0.8m | ▼ 10.5% |
| Contributions10/11 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Contributions outside capital11 | - | - | - | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Other1109/19 | - | - | - | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Reserves13 | €0.03m | €0.03m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 6.2% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves not available under the articles1311 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Tax-exempt reserves132 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 7.8% |
| Distributable reserves133 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Profit (loss) carried forward14 | €0.5m | €0.5m | €0.5m | €0.8m | €0.8m | €0.7m | €0.7m | ▼ 11.4% |
| Provisions and deferred taxes16 | - | - | €0.04m | €0.04m | €0.04m | €0.04m | €0.03m | ▼ 7.8% |
| Deferred taxes168 | - | - | - | €0.04m | €0.04m | €0.04m | €0.03m | ▼ 7.8% |
| Amounts payable17/49 | €0.02m | €0.08m | €0.3m | €0.3m | €0.1m | €0.08m | €0.04m | ▼ 46.2% |
| Amounts payable within one year42/48 | €0.02m | €0.08m | €0.3m | €0.3m | €0.1m | €0.08m | €0.04m | ▼ 46.2% |
| Financial debts43 | - | - | - | €59 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €59 | - | - | - | - |
| Trade debts44 | €0.006m | €0.05m | €0.02m | €0.008m | €0.001m | €0.01m | €0.01m | ▼ 2.0% |
| Suppliers440/4 | - | - | - | €0.008m | €0.001m | €0.01m | €0.01m | ▼ 2.0% |
| Advances received on contracts in progress46 | - | - | - | - | - | - | €0.001m | - |
| Taxes, remuneration and social security45 | - | - | - | €0.2m | €0.09m | €0.04m | €0.002m | ▼ 95.6% |
| Taxes450/3 | - | - | - | €0.2m | €0.09m | €0.04m | €0.002m | ▼ 95.6% |
| Other amounts payable47/48 | - | - | - | €0.03m | €0.03m | €0.02m | €0.02m | ▲ 2.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€15,036 | €160 | €150,956 | €234,839 | €15,322 | -€47,823 | -€92,779 | ▼ 94.0% |
| + Depreciation and write-downs630 | €11,855 | €9,229 | €9,013 | €2,330 | €3,812 | €24,875 | €99,736 | ▲ 301% |
| Operating cash flow (approximation) | -€3,181 | €9,389 | €159,970 | €237,169 | €19,134 | -€22,949 | €6,957 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€12,372 | -€329,002 | -€155,312 | ▲ 52.8% |
| Change in cash | - | -€98,101 | -€27,967 | €907,359 | -€165,739 | -€406,936 | -€213,827 | ▲ 47.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 23 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro format | 26-09-2025 | 2025-00526161 |
| 31-12-2023 | micro format | 08-07-2024 | 2024-00220826 |
| 31-12-2022 | micro format | 14-11-2023 | 2023-00511712 |
| 31-12-2021 | micro format | 07-11-2022 | 2022-20519885 |
| 31-12-2020 | micro format | 28-10-2021 | 2021-74500158 |
| 31-12-2019 | micro format | 03-12-2020 | 2020-74800139 |
| 31-12-2018 | micro format | 29-08-2019 | 2019-56300152 |
| 31-12-2017 | micro format | 23-08-2018 | 2018-49500224 |
| 31-12-2016 | micro format | 28-08-2017 | 2017-51100110 |
| 31-12-2015 | full format | 30-08-2016 | 2016-52800012 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Eric VERDBOIS |
|
Owners and capital
Capital and shareholders
- 20-09-2023 Converted to unavailable equity
Group and network
Holdings and subsidiaries
2 holdingsHoldings 2
Source for every holding own accounts 2024
- Equity -€141,007Result -€27,18650%
- Equity €8,906Result -€7,03050%
According to the 2024 annual accounts of FERNIMMO and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. 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 include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
20-09
Gazette deed
Resignation: Eric VERDBOIS (statutory manager)Appointment: Eric VERDBOIS (director) · Capital conversion · Purpose change14 facts ▸
- General meeting, 21-08-2023
- Other provision, “adaptation-statuts-maintien-SRL, adapter” (deed in French)
- Capital conversion, “compte-capitaux-propres-statutairement-indisponible” (deed in French)
- Other provision, “formes-majorités-modification-statuts, suppression-compte-indisponible” (deed in French)
- Other provision, “administrateur/gérant, rapport-préalable-article5.101-CSA” (deed in French)
- Other provision, “formalités-préalables-CSA-accomplies” (deed in French)
- Purpose change
- Amendment of the articles
- Capital
- Director resignation, Eric VERDBOIS (statutory manager)
- Director appointment, Eric VERDBOIS (director (not named in the articles))
- Director discharge, Eric VERDBOIS
- +2 further facts in this act
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEnvironmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92096A0188/00M000 | Wallonia | 6,265 m² | 1 · 114 m² | - |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- FERNIMMO
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, organe-d’administration” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of May at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “En tout temps par décision assemblée générale délibérant formes prévues modifications statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, faculté assemblée désigner un ou plusieurs liquidateurs et déterminer…” (deed in French)