Summary
Ferrolys is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €99k and a net result of €58k. Equity is growing by ~77.9% per year across the filed fiscal years. Its solvency ranks better than 34% of 8023 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-05-2026, 21 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 · 7 filingsDeviation from the deadline
2025
21 d late
2024
on the day
2023
on the day
2022
10 d late
2021
1 d early
2020
4 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 66.0%
2024 · €60k
2019: €4k
2020: €3k
2021: €11k
2022: €17k
2023: €44k
2024: €60k
2019 → 2025
Net result
€58k▲ 92.6%
2024 · €30k
2019: €3k
2020: €-1k
2021: €8k
2022: €7k
2023: €45k
2024: €30k
2019 → 2025
Total assets
€318k▲ 206%
2024 · €104k
2019: €8k
2020: €84k
2021: €95k
2022: €94k
2023: €121k
2024: €104k
2019 → 2025
Solvency
31.2%▼ 26.2pp
2024 · 57.4%
2019: 53.7%
2020: 3.7%
2021: 11.1%
2022: 18.5%
2023: 36.6%
2024: 57.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€113k
Equity€11k-€17k▲ 62.9%€44k▲ 157%€60k▲ 34.5%€99k▲ 66.0%
Operating result€13k-€15k▲ 13.8%€58k▲ 290%€38k▼ 35.2%€75k▲ 101%
Net result€8k-€7k▼ 11.4%€45k▲ 576%€30k▼ 32.8%€58k▲ 92.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 101% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€198k ▲ 2,336%
Current assets
€120k ▲ 25.0%
Equity and liabilities €318k
Equity
€99k ▲ 66.0%
Debt
€219k ▲ 394%
Debt's share of the balance-sheet total rises from 42.6% to 68.8%. Equity and debt are higher.
Key figures and ratios
ROE
58.9%▲
2024 · 50.8%
ROA
18.4%▼
2024 · 29.1%
Debt ≤ 1 year
€66k▲
2024 · €44k
Debt > 1 year
€153k
Income taxes
€12k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€104k€318k▲
Fixed assets21/28€8k€198k▲
Tangible fixed assets22/27€8k€198k▲
Land and buildings22-€149k
Plant, machinery and equipment23-€1k
Furniture and vehicles24€8k€48k▲
Other tangible fixed assets26€595€506▼
Current assets29/58€96k€120k▲
Amounts receivable within one year40/41€91k€103k▲
Trade receivables40€22k€24k▲
Other amounts receivable41€69k€78k▲
Cash at bank and in hand54/58€3k€15k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€104k€318k▲
Equity10/15€60k€99k▲
Contributions10/11€1k€1k=
Outside capital11€1k€1k=
Other1109/19€1k€1k=
Reserves13€100€100=
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Profit (loss) carried forward14€59k€98k▲
Amounts payable17/49€44k€219k▲
Amounts payable after more than one year17-€153k
Financial debts170/4-€153k
Amounts payable within one year42/48€44k€66k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€542€12k▲
Taxes450/3€542€12k▲
Other amounts payable47/48€38k€44k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€34k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€33k▲
Other operating charges640/8€881€2k▲
Gross operating margin9900€45k€111k▲
Operating profit (loss)9901€38k€75k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€35k€71k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€30k€58k▲
Profit (loss) for the period to be appropriated9905€30k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€117k▲
Profit (loss) brought forward from the previous period14P€43k€59k▲
Profit to be distributed694/7€15k€19k▲
Directors or managers695€15k€19k▲
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
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
30-09
Financial
Highest result since 2019net €58k ▲92.6%
Operating result €75k, net result €58k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 2.16
Current ratio from 0.61 to 2.16; short-term debt falls from €64k to €44k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-09
Financial
Weakest financial yearnet €-1k ▼139%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 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, Brecht · 1 establishment unit since 2018
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.
Schotensteenweg 61a2960 BrechtGround area
1,984 m²
Building footprint
358 m²
Volume, LiDAR
4,795 m³
2 parcels, Flanders · tallest building 20.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ferrolys
since 20182.282.457.015
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009M0080/00C004 | Flanders | 1,789 m² | 1 · 286 m² | 20.3 m · 5 fl. |
| 11051B0337/00B002 | Flanders | 194 m² | 1 · 72 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,309 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2018
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.