FERTI-BIO

Active

Private limited companyfounded 201214 yrs activeAu-delà-des-Cortils 5, 1367 Ramillies, BelgiumKBO/BCE: BE 0842.877.342

FERTI-BIO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27k and a net result of €-27k. Equity is shrinking by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

22 / 100

Critical▼ -52 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency25▼-20

Growth32▼-26

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity tight (current ratio 1.17 against 1.3 in 2023), and 85.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 01

Relative position

BE, all sectors

reference

Sector 01

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

14.9%

Return on assets

-14.7%

Age of the figures

20 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

50 d early

2023

40 d early

2022

7 d early

2021

4 d early

2020

27 d late

2019

1 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€27k▼ 49.6%

2023 · €54k

2018: €77k 2019: €89k 2020: €95k 2021: €87k 2022: €54k 2023: €54k

2018 → 2024

Total assets

€182k▼ 13.6%

2023 · €211k

2018: €498k 2019: €393k 2020: €348k 2021: €322k 2022: €249k 2023: €211k

2018 → 2024

Net result

€-27k

2023 · €53

2018: €-15k 2019: €12k 2020: €6k 2021: €-7k 2022: €-83k 2023: €53

2018 → 2024

Working capital

€26k▼ 43.8%

2023 · €47k

2018: €-18k 2019: €94k 2020: €102k 2021: €84k 2022: €43k 2023: €47k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€95k-€87k▼ 7.7%€54k▼ 38.4%€54k▲ 0.1%€27k▼ 49.6%

Operating result€10k-€-4k€-81k▼ 1,801%€3k€-25k

Net result€6k-€-7k€-83k▼ 1,048%€53€-27k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €25k after €3k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €182k

99.5%

Fixed assets €885▼ 87.6%

Current assets €181k▼ 11.0%

Equity and liabilities €182k

14.9%

85.1%

Equity €27k▼ 49.6%

Debt €155k▼ 1.2%

The debt ratio rises from 74.5% to 85.1%: equity shrinks faster than debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-18k▼

2023 · €9k

Cash flow

€-20k▼

2023 · €6k

Solvency

14.9%▼

2023 · 25.5%

Current ratio

1.17▼

2023 · 1.30

Quick ratio

0.82▼

2023 · 0.83

Debt / equity

5.73▲

2023 · 2.92

ROE

-98.5%▼

2023 · 0.1%

ROA

-14.7%▼

2023 · 0.0%

Interest coverage

-8.82▼

2023 · 3.53

Debt

€155k▼

2023 · €157k

Debt ≤ 1 year

€155k▼

2023 · €157k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€211k€182k▼

Fixed assets21/28€7k€885▼

Tangible fixed assets22/27€7k€885▼

Plant, machinery and equipment23€7k€885▼

Current assets29/58€204k€181k▼

Stocks and contracts in progress3€74k€54k▼

Stocks30/36€74k€54k▼

Amounts receivable within one year40/41€128k€127k▼

Trade receivables40€128k€127k▼

Cash at bank and in hand54/58€1k-

Deferred charges and accrued income490/1€194€200▲

Equity and liabilities

Total equity and liabilities10/49€211k€182k▼

Equity10/15€54k€27k▼

Contributions10/11€54k€54k=

Reserves13€155€155=

Non-distributable reserves130/1€155€155=

Reserves not available under the articles1311€155€155=

Profit (loss) carried forward14€53€-27k▼

Amounts payable17/49€157k€155k▼

Amounts payable within one year42/48€157k€155k▼

Current portion of amounts payable after more than one year42€3k-

Financial debts43€23k€14k▼

Credit institutions430/8€23k€14k▼

Trade debts44€8k€24k▲

Suppliers440/4€8k€24k▲

Taxes, remuneration and social security45€694€2k▲

Taxes450/3€694€2k▲

Other amounts payable47/48€122k€115k▼

Accrued charges and deferred income492/3€21€16▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=

Other operating charges640/8€493€639▲

Gross operating margin9900€9k€-18k▼

Operating profit (loss)9901€3k€-25k▼

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€53€-27k▼

Profit (loss) for the period9904€53€-27k▼

Profit (loss) for the period to be appropriated9905€53€-27k▼

Appropriation of the result

Profit (loss) to be appropriated9906€53€-27k▼

Profit (loss) brought forward from the previous period14P-€53

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

11-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

21-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €53

Net result €53 after 2 loss-making years.

24-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-83k

Net result drops to €-83k, the lowest in the series; recovery starts the following year.

27-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

27-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 27 days late

2020

30-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Back to profitnet €12k

Net result €12k after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 30 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

2017

28-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

28-07

NBB filing Annual accounts filed

fiscal year 2015 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Ramillies · 1 establishment unit since 2012

establishment The establishment unit on the map

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.

Au-delà-des-Cortils 51367 Ramillies

Ground area

3,471 m²

Building footprint

343 m²

Volume, LiDAR

3,493 m³

2 parcels, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

FERTI-BIO

Rue de Cendron (FPH) 1, 6596 MomigniesMixed farming

since 20122.206.285.982

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56047C0003/00W007	Wallonia	1,940 m²	1 · 274 m²	13.1 m · 4 fl.
25030A0814/00D000	Wallonia	1,531 m²	1 · 69 m²	9.3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Momignies2.206.285.982

1 permission

Boerderij - akkerbouw · since 01-01-2020

Similar companies · same sector, comparable size

CUMA DE LA CHAUSSEE ROMAINE

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CHENEAU AGRI

BE 1004.293.656

Ham-sur-Heure-Nalinnes · Eq €27k

Of 4,668 companies in sector 01610 we hold annual accounts for 1,363. 793 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-01-2012

Fiscal year end31-12

Activities, NACEBEL

01610Support activities for crop production

02100Forestry and logging

02400Forestry and logging

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.