FERRARD
ActiveSummary
FERRARD has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €489,840 and a net result of €99,618. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 1226 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+8
Solvency91▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.63 in 2024; short-term debt: 27% and cash: 35.1% of total assets), and 33.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
66.2%
Return on assets
13.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
5 d late
2023
5 d early
2022
32 d early
2021
38 d early
2020
5 d early
2019
7 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#3 company by equity in Braine-le-Château, Administrative and support services sector#5 company by total assets in Braine-le-Château, Administrative and support services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€99,618▲ 84.9%
2024 · €53,864
Working capital
€224,816▲ 48.0%
2024 · €151,914
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€142,049€193,519▲ 36.2%-€58,070€84,553€174,595▲ 106%
Net result€107,754within the sector's middle half€130,028above the sector's middle half▲ 20.7%-€64,602below the sector's middle half€53,864within the sector's middle half€99,618above the sector's middle half▲ 84.9%
Equity€341,615within the sector's middle half▲ 46.1%€471,643within the sector's middle half▲ 38.1%€407,041within the sector's middle half▼ 13.7%€390,222within the sector's middle half▼ 4.1%€489,840within the sector's middle half▲ 25.5%
Total assets€778,958within the sector's middle half▲ 37.4%€855,568within the sector's middle half▲ 9.8%€796,621within the sector's middle half▼ 6.9%€723,460within the sector's middle half▼ 9.2%€740,471within the sector's middle half▲ 2.4%
Debt€437,343▲ 31.3%€383,925▼ 12.2%€389,580▲ 1.5%€333,238▼ 14.5%€250,631▼ 24.8%
Working capital€123,005within the sector's middle half▲ 314%€257,944within the sector's middle half▲ 110%€196,045within the sector's middle half▼ 24.0%€151,914within the sector's middle half▼ 22.5%€224,816within the sector's middle half▲ 48.0%
Solvency43.9%within the sector's middle half▲ 2.6pp55.1%within the sector's middle half▲ 11.3pp51.1%within the sector's middle half▼ 4.0pp53.9%within the sector's middle half▲ 2.8pp66.2%above the sector's middle half▲ 12.2pp
Current ratio1.39within the sector's middle half▲ 0.261.84within the sector's middle half▲ 0.451.91within the sector's middle half▲ 0.071.63within the sector's middle half▼ 0.282.13within the sector's middle half▲ 0.50
Return on assets (ROA)13.8%above the sector's middle half▲ 17.1pp15.2%above the sector's middle half▲ 1.4pp-8.1%below the sector's middle half▼ 23.3pp7.4%within the sector's middle half▲ 15.6pp13.5%above the sector's middle half▲ 6.0pp
Staff (FTE)9.3within the sector's middle half▲ 32.9%11.8within the sector's middle half▲ 26.9%12.8within the sector's middle half▲ 8.5%11.7within the sector's middle half▼ 8.6%11.1within the sector's middle half▼ 5.1%
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 106% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €740,471
Fixed assets
€315,994 ▼ 4.4%
Current assets
€424,477 ▲ 8.0%
Equity and liabilities €740,471
Equity
€489,840 ▲ 25.5%
Debt
€250,631 ▼ 24.8%
Debt's share of the balance-sheet total falls from 46.1% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€234,927▲
2024 · €142,683
Cash flow
€159,950▲
2024 · €111,994
Debt to equity
0.51▼
2024 · 0.85
ROE
20.3%▲
2024 · 13.8%
Interest coverage
48.60▲
2024 · 23.62
Debt ≤ 1 year
€199,661▼
2024 · €241,088
Debt > 1 year
€38,220▼
2024 · €71,650
Income taxes
€70,163▲
2024 · €26,638
Staff costs
€496,859▲
2024 · €430,960
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 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% | 1.0% |
| 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% 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 20,134 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €263,223 | €350,105 | €369,962 | €430,960 | €496,859 | ▲ 15.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,476 | €58,080 | €67,637 | €58,130 | €60,332 | ▲ 3.8% |
| Other operating charges640/8 | €3,551 | €15,003 | €11,173 | €7,517 | €73,198 | ▲ 874% |
| Gross operating margin9900 | €462,299 | €616,707 | €390,702 | €581,160 | €804,984 | ▲ 38.5% |
| Operating profit (loss)9901 | €142,049 | €193,519 | -€58,070 | €84,553 | €174,595 | ▲ 106% |
| Financial income75/76B | €54 | €3 | €435 | €1,991 | €20 | ▼ 99.0% |
| Recurring financial income75 | €54 | €3 | €435 | €1,991 | €20 | ▼ 99.0% |
| Financial charges65/66B | €3,118 | €2,964 | €6,655 | €6,042 | €4,834 | ▼ 20.0% |
| Recurring financial charges65 | €3,118 | €2,964 | €6,655 | €6,042 | €4,834 | ▼ 20.0% |
| Profit (loss) for the period before taxes9903 | €138,985 | €190,558 | -€64,290 | €80,502 | €169,781 | ▲ 111% |
| Income taxes67/77 | €31,231 | €60,530 | €312 | €26,638 | €70,163 | ▲ 163% |
| Profit (loss) for the period9904 | €107,754 | €130,028 | -€64,602 | €53,864 | €99,618 | ▲ 84.9% |
| Profit (loss) for the period to be appropriated9905 | €107,754 | €130,028 | -€64,602 | €53,864 | €99,618 | ▲ 84.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €778,958 | €855,568 | €796,621 | €723,460 | €740,471 | ▲ 2.4% |
| Fixed assets21/28 | €339,817 | €290,457 | €384,441 | €330,458 | €315,994 | ▼ 4.4% |
| Tangible fixed assets22/27 | €339,817 | €290,457 | €384,441 | €330,458 | €315,994 | ▼ 4.4% |
| Land and buildings22 | €156,694 | €136,740 | €116,785 | €97,601 | €82,679 | ▼ 15.3% |
| Plant, machinery and equipment23 | €91,653 | €70,979 | €87,761 | €74,219 | €61,022 | ▼ 17.8% |
| Furniture and vehicles24 | €25,897 | €23,055 | €23,348 | €14,355 | €38,628 | ▲ 169% |
| Leasing and similar rights25 | €65,573 | €59,683 | €156,547 | €140,397 | €124,247 | ▼ 11.5% |
| Other tangible fixed assets26 | - | - | - | €3,886 | €9,418 | ▲ 142% |
| Current assets29/58 | €439,141 | €565,111 | €412,180 | €393,002 | €424,477 | ▲ 8.0% |
| Amounts receivable within one year40/41 | €62,430 | €85,928 | €150,043 | €260,797 | €161,367 | ▼ 38.1% |
| Trade receivables40 | €54,042 | €77,367 | €116,506 | €207,010 | €156,584 | ▼ 24.4% |
| Other amounts receivable41 | €8,388 | €8,561 | €33,537 | €53,787 | €4,783 | ▼ 91.1% |
| Cash at bank and in hand54/58 | €367,479 | €468,401 | €259,671 | €121,203 | €259,734 | ▲ 114% |
| Deferred charges and accrued income490/1 | €9,232 | €10,782 | €2,466 | €11,002 | €3,376 | ▼ 69.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €778,958 | €855,568 | €796,621 | €723,460 | €740,471 | ▲ 2.4% |
| Equity10/15 | €341,615 | €471,643 | €407,041 | €390,222 | €489,840 | ▲ 25.5% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €177,542 | €302,542 | €302,542 | €284,959 | €384,499 | ▲ 34.9% |
| Non-distributable reserves130/1 | €72,542 | €72,542 | €72,542 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €72,542 | €72,542 | €72,542 | €1,859 | €1,859 | = |
| Distributable reserves133 | €105,000 | €230,000 | €230,000 | €283,100 | €382,640 | ▲ 35.2% |
| Profit (loss) carried forward14 | €145,481 | €150,509 | €85,907 | €86,671 | €86,749 | ▲ 0.1% |
| Amounts payable17/49 | €437,343 | €383,925 | €389,580 | €333,238 | €250,631 | ▼ 24.8% |
| Amounts payable after more than one year17 | €121,207 | €76,758 | €113,195 | €71,650 | €38,220 | ▼ 46.7% |
| Financial debts170/4 | €121,207 | €76,758 | €113,195 | €71,650 | €38,220 | ▼ 46.7% |
| Amounts payable within one year42/48 | €316,136 | €307,167 | €216,135 | €241,088 | €199,661 | ▼ 17.2% |
| Current portion of amounts payable after more than one year42 | €35,162 | €35,640 | €52,420 | €41,545 | €33,431 | ▼ 19.5% |
| Trade debts44 | €122,008 | €122,341 | €98,874 | €62,985 | - | - |
| Suppliers440/4 | €122,008 | €122,341 | €98,874 | €62,985 | - | - |
| Taxes, remuneration and social security45 | €24,128 | €39,391 | €36,864 | €69,409 | €115,107 | ▲ 65.8% |
| Taxes450/3 | €10,427 | €14,623 | €5,949 | €27,887 | €62,108 | ▲ 123% |
| Remuneration and social security454/9 | €13,701 | €24,768 | €30,915 | €41,522 | €52,999 | ▲ 27.6% |
| Other amounts payable47/48 | €134,838 | €109,795 | €27,977 | €67,149 | €51,123 | ▼ 23.9% |
| Accrued charges and deferred income492/3 | - | - | €60,250 | €20,500 | €12,750 | ▼ 37.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107,754 | €130,028 | -€64,602 | €53,864 | €99,618 | ▲ 84.9% |
| + Depreciation and write-downs630 | €53,476 | €58,080 | €67,637 | €58,130 | €60,332 | ▲ 3.8% |
| Operating cash flow (approximation) | €161,230 | €188,108 | €3,035 | €111,994 | €159,950 | ▲ 42.8% |
| Investment in fixed assets (approximation) | - | -€8,720 | -€161,621 | -€4,147 | -€45,868 | ▼ 1,006% |
| Change in cash | - | €100,922 | -€208,730 | -€138,468 | €138,531 | ▲ 200% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
12-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Registered-office move, Sentier Périnnes 15, 1440 Braine-le-Château
- Board meeting, 04-08-2026
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 5 days late
2024
31-12
Financial
Back to profitnet €53,864
Net result €53,864 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€64,602
Net result drops to -€64,602, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €130,028 ▲20.7%
Operating result €193,519, net result €130,028, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €107,754
Net result €107,754 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts 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.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Braine-le-Château · 1 establishment unit since 2000
Ground area
3,608 m²
Building footprint
654 m²
Volume, LiDAR
4,481 m³
Parcel 25015A0050/00F002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FERRARD SRL
since 20002.093.656.512
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25015A0050/00F002 | Wallonia | 3,608 m² | 1 · 654 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,227 companies in sector 81300 we hold annual accounts for 4,369. 2,662 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
Contact
Website
www.ferrard.be
E-mail
info@ferrard.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0469969849
Registered
31-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.