FERRIA
ActiveSummary
FERRIA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,110 and a net result of €919. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-30
Solvency66▼-34
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.74 against 2.87 in 2024; short-term debt: 18% and cash: 9.9% of total assets), and 59.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
40.9%
Return on assets
1.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
31 d early
2023
12 d early
2022
28 d early
2021
17 d early
2020
32 d early
2019
39 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 24 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 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 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 How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€31,110▲ 3.0%
2024 · €30,192
Total assets
€75,983▲ 109%
2024 · €36,364
Net result
€919▼ 93.4%
2024 · €14,003
Working capital
-€3,485
2024 · €10,299
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€422-€13,748▼ 3,159%€1,813€15,168▲ 737%€2,565▼ 83.1%
Net result-€123below the sector's middle half-€12,493below the sector's middle half▼ 10,023%€1,681within the sector's middle half€14,003within the sector's middle half▲ 733%€919within the sector's middle half▼ 93.4%
Equity€27,000within the sector's middle half▼ 0.5%€14,508below the sector's middle half▼ 46.3%€16,189below the sector's middle half▲ 11.6%€30,192within the sector's middle half▲ 86.5%€31,110within the sector's middle half▲ 3.0%
Total assets€60,817below the sector's middle half▼ 14.6%€39,320below the sector's middle half▼ 35.3%€35,459below the sector's middle half▼ 9.8%€36,364below the sector's middle half▲ 2.6%€75,983within the sector's middle half▲ 109%
Debt€33,816▼ 23.2%€24,812▼ 26.6%€19,270▼ 22.3%€6,172▼ 68.0%€44,872▲ 627%
Working capital€24,335within the sector's middle half▲ 17.5%€16,160within the sector's middle half▼ 33.6%-€7,456below the sector's middle half€10,299within the sector's middle half-€3,485below the sector's middle half
Solvency44.4%within the sector's middle half▲ 6.3pp36.9%within the sector's middle half▼ 7.5pp45.7%within the sector's middle half▲ 8.8pp83.0%above the sector's middle half▲ 37.4pp40.9%within the sector's middle half▼ 42.1pp
Current ratio2.90within the sector's middle half▲ 0.542.41within the sector's middle half▼ 0.490.60below the sector's middle half▼ 1.812.87within the sector's middle half▲ 2.270.74below the sector's middle half▼ 2.13
Return on assets (ROA)-0.2%below the sector's middle half▼ 5.1pp-31.8%below the sector's middle half▼ 31.6pp4.7%within the sector's middle half▲ 36.5pp38.5%above the sector's middle half▲ 33.8pp1.2%within the sector's middle half▼ 37.3pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75,983
Fixed assets
€65,823 ▲ 220%
Current assets
€10,160 ▼ 35.7%
Equity and liabilities €75,983
Equity
€31,110 ▲ 3.0%
Debt
€44,872 ▲ 627%
Debt's share of the balance-sheet total rises from 17.0% to 59.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13,812▼
2024 · €20,099
Cash flow
€12,166▼
2024 · €18,934
Debt to equity
1.44▲
2024 · 0.20
ROE
3.0%▼
2024 · 46.4%
Interest coverage
12.06▼
2024 · 259.78
Debt ≤ 1 year
€13,644▲
2024 · €5,506
Debt > 1 year
€30,161
Income taxes
€536▼
2024 · €1,118
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.8% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 17,027 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €8,667 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,656 | €12,012 | €16,196 | €4,932 | €11,247 | ▲ 128% |
| Other operating charges640/8 | €2,129 | €2,138 | €2,200 | €2,789 | €912 | ▼ 67.3% |
| Gross operating margin9900 | €14,363 | €402 | €20,208 | €22,888 | €14,724 | ▼ 35.7% |
| Operating profit (loss)9901 | -€422 | -€13,748 | €1,813 | €15,168 | €2,565 | ▼ 83.1% |
| Financial income75/76B | €1,135 | €1,830 | €303 | €30 | €34 | ▲ 13.9% |
| Recurring financial income75 | €1,135 | €1,830 | €303 | €30 | €34 | ▲ 13.9% |
| Financial charges65/66B | €589 | €446 | €293 | €77 | €1,145 | ▲ 1,380% |
| Recurring financial charges65 | €589 | €446 | €293 | €77 | €1,145 | ▲ 1,380% |
| Profit (loss) for the period before taxes9903 | €125 | -€12,364 | €1,823 | €15,121 | €1,454 | ▼ 90.4% |
| Income taxes67/77 | €248 | €128 | €142 | €1,118 | €536 | ▼ 52.1% |
| Profit (loss) for the period9904 | -€123 | -€12,493 | €1,681 | €14,003 | €919 | ▼ 93.4% |
| Profit (loss) for the period to be appropriated9905 | -€123 | -€12,493 | €1,681 | €14,003 | €919 | ▼ 93.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60,817 | €39,320 | €35,459 | €36,364 | €75,983 | ▲ 109% |
| Fixed assets21/28 | €23,670 | €11,658 | €24,309 | €20,559 | €65,823 | ▲ 220% |
| Tangible fixed assets22/27 | €23,670 | €11,658 | €24,309 | €20,559 | €65,823 | ▲ 220% |
| Plant, machinery and equipment23 | €1,098 | €372 | €19,920 | €17,577 | €15,233 | ▼ 13.3% |
| Furniture and vehicles24 | €22,572 | €11,286 | €4,389 | €2,982 | €1,468 | ▼ 50.8% |
| Leasing and similar rights25 | - | - | - | - | €49,122 | - |
| Current assets29/58 | €37,147 | €27,662 | €11,149 | €15,805 | €10,160 | ▼ 35.7% |
| Amounts receivable within one year40/41 | €23,115 | €17,346 | €3,062 | €59 | €791 | ▲ 1,243% |
| Trade receivables40 | €265 | €715 | €2,294 | - | €510 | - |
| Other amounts receivable41 | €22,850 | €16,631 | €768 | €59 | €281 | ▲ 377% |
| Cash at bank and in hand54/58 | €13,968 | €10,250 | €6,928 | €15,746 | €7,558 | ▼ 52.0% |
| Deferred charges and accrued income490/1 | €64 | €65 | €1,160 | - | €1,811 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60,817 | €39,320 | €35,459 | €36,364 | €75,983 | ▲ 109% |
| Equity10/15 | €27,000 | €14,508 | €16,189 | €30,192 | €31,110 | ▲ 3.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €8,524 | €8,524 | €8,524 | €8,677 | €8,723 | ▲ 0.5% |
| Non-distributable reserves130/1 | €1,178 | €1,178 | €1,178 | €1,332 | €1,378 | ▲ 3.4% |
| Reserves not available under the articles1311 | €1,178 | €1,178 | €1,178 | €1,332 | €1,378 | ▲ 3.4% |
| Distributable reserves133 | €7,346 | €7,346 | €7,346 | €7,346 | €7,346 | = |
| Profit (loss) carried forward14 | -€123 | -€12,616 | -€10,935 | €2,915 | €3,787 | ▲ 29.9% |
| Amounts payable17/49 | €33,816 | €24,812 | €19,270 | €6,172 | €44,872 | ▲ 627% |
| Amounts payable after more than one year17 | €20,447 | €12,496 | - | - | €30,161 | - |
| Financial debts170/4 | €20,447 | €12,496 | - | - | €30,161 | - |
| Amounts payable within one year42/48 | €12,813 | €11,502 | €18,606 | €5,506 | €13,644 | ▲ 148% |
| Current portion of amounts payable after more than one year42 | €7,157 | €7,294 | €11,827 | - | €8,231 | - |
| Trade debts44 | €4,937 | €3,781 | €6,274 | €3,860 | €3,630 | ▼ 6.0% |
| Suppliers440/4 | €4,937 | €3,781 | €6,274 | €3,860 | €3,630 | ▼ 6.0% |
| Taxes, remuneration and social security45 | €719 | €427 | €298 | €1,267 | €1,667 | ▲ 31.6% |
| Taxes450/3 | €719 | €427 | €298 | €1,267 | €1,667 | ▲ 31.6% |
| Other amounts payable47/48 | - | - | €207 | €380 | €117 | ▼ 69.3% |
| Accrued charges and deferred income492/3 | €557 | €814 | €664 | €666 | €1,067 | ▲ 60.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€123 | -€12,493 | €1,681 | €14,003 | €919 | ▼ 93.4% |
| + Depreciation and write-downs630 | €12,656 | €12,012 | €16,196 | €4,932 | €11,247 | ▲ 128% |
| Operating cash flow (approximation) | €12,533 | -€480 | €17,877 | €18,934 | €12,166 | ▼ 35.7% |
| Investment in fixed assets (approximation) | - | €0 | -€28,847 | -€1,181 | -€56,512 | ▼ 4,685% |
| Change in cash | - | -€3,717 | -€3,323 | €8,818 | -€8,188 | ▼ 193% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €14,003 ▲733%
Operating result €15,168, net result €14,003, both a record.
31-12
Financial
Liquidity times 5current ratio 2.87
Current ratio from 0.60 to 2.87; short-term debt falls from €18,606 to €5,506.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1,681
Net result €1,681 after 2 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€12,493
Net result drops to -€12,493, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2,505
Net result €2,505 after one loss-making year.
Show earlier events
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Antwerpen · 1 establishment unit since 2006
Ground area
236 m²
Building footprint
236 m²
Volume, LiDAR
792 m³
Parcel 11810K1681/00G005, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FERRIA
since 20062.155.882.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1681/00G005 | Flanders | 236 m² | 1 · 236 m² | 9.8 m · 1 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.
Similar companies · same sector, comparable size
SINTOPLAN
BE 0436.473.274
Poperinge · Eq €31,118
P&R Renovaties
BE 0873.950.697
Arendonk · Eq €31,100
MENUISERIE PIRLOT
BE 0832.262.968
Ciney · Eq €31,094
CORD
BE 0628.852.285
Kuurne · Eq €31,090
VANDENBERGHEN INTERIEUR
BE 0894.261.608
Holsbeek · Eq €31,085
Of 20,025 companies in sector 43320 we hold annual accounts for 9,138. 6,852 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 (pre-2019)
Founded05-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0880510471
Also
9925:BE0880510471
Registered
18-10-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.