FEROMO
ActiveThe computed 12-month bankruptcy probability of FEROMO is 1.8% (moderate). The 2025 annual accounts show equity of €38k and a net result of €10k. Equity is growing by ~50.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 10310 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-6
Solvency37=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.92 in 2024; short-term debt: 88% and cash: 3.1% of total assets), and 88% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
12%
Return on assets
3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 10310 sector peers (2025).
NBB · sector comparisonPosition among 10310 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
92 d late
2023
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€38k▲ 33.6%
2024 · €29k
2023: €9k
2024: €29k
2023 → 2025
Total assets
€318k▲ 28.1%
2024 · €249k
2023: €207k
2024: €249k
2023 → 2025
Net result
€10k▼ 50.4%
2024 · €19k
2023: €3k
2024: €19k
2023 → 2025
Working capital
€-1k▲ 94.1%
2024 · €-19k
2023: €-44k
2024: €-19k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€9k-€29k▲ 209%€38k▲ 33.6%
Operating result€3k-€27k▲ 835%€16k▼ 42.4%
Net result€3k-€19k▲ 494%€10k▼ 50.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€39k▼ 16.7%
Current assets
€279k▲ 38.6%
Equity and liabilities €318k
Equity
€38k▲ 33.6%
Debt
€280k▲ 27.4%
The debt ratio falls from 88.5% to 88.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▼
2024 · €35k
Cash flow
€18k▼
2024 · €27k
Solvency
12.0%▲
2024 · 11.5%
Current ratio
1.00▲
2024 · 0.92
Quick ratio
0.29▲
2024 · 0.07
Debt / equity
7.31▼
2024 · 7.67
ROE
25.1%▼
2024 · 67.7%
ROA
3.0%▼
2024 · 7.8%
Interest coverage
8.88▼
2024 · 11.34
Debt
€280k▲
2024 · €220k
Debt ≤ 1 year
€280k▲
2024 · €220k
Income taxes
€3k▼
2024 · €5k
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€249k€318k▲
Fixed assets21/28€47k€39k▼
Tangible fixed assets22/27€47k€39k▼
Land and buildings22€38k€34k▼
Plant, machinery and equipment23€5k€3k▼
Leasing and similar rights25€4k€3k▼
Current assets29/58€201k€279k▲
Stocks and contracts in progress3€185k€198k▲
Stocks30/36€185k€198k▲
Amounts receivable within one year40/41€12k€69k▲
Trade receivables40€11k€69k▲
Other amounts receivable41€184€384▲
Cash at bank and in hand54/58€3k€10k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€249k€318k▲
Equity10/15€29k€38k▲
Contributions10/11€6k€6k=
Reserves13€23k€32k▲
Distributable reserves133€23k€32k▲
Amounts payable17/49€220k€280k▲
Amounts payable within one year42/48€220k€280k▲
Current portion of amounts payable after more than one year42€2k-
Financial debts43€11k€3k▼
Credit institutions430/8€11k€3k▼
Trade debts44€15k€78k▲
Suppliers440/4€15k€78k▲
Advances received on contracts in progress46€1k€2k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€178k€181k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€929€944▲
Gross operating margin9900€36k€24k▼
Operating profit (loss)9901€27k€16k▼
Financial income75/76B€498€0▼
Recurring financial income75€498€0▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€25k€13k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€19k€10k▼
Profit (loss) for the period to be appropriated9905€19k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€10k▼
Transfer to equity691/2€19k€10k▼
To other reserves6921€19k€10k▼
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 92 days late
2024
31-12
Financial
Highest result since 2023net €19k ▲494%
Operating result €27k, net result €19k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Retie · 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.
Turnhoutsebaan 752470 RetieGround area
904 m²
Building footprint
386 m²
Volume, LiDAR
2,149 m³
Parcel 13036A0636/00D002, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FEROMO
since 20222.336.175.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036A0636/00D002 | Flanders | 904 m² | 1 · 386 m² | 11.5 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
HUTS
BE 0801.300.073
Hasselt · Eq €38k
BY DAVID
BE 0508.830.920
Mouscron · Eq €38k
MAD agency
BE 0810.187.451
Beauvechain · Eq €38k
DE WINTER
BE 0449.869.766
Lier · Eq €39k
BANANA KID
BE 0461.163.140
Antwerpen · Eq €37k
Of 1,035 companies in sector 47721 we hold annual accounts for 583. 402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2022
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
47120Other non-specialised retail sale
47715Retail trade
47910Retail trade
74201Photography, excluding press photography
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.