GAUME FERMIERE
ActiveGAUME FERMIERE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €15k and a net result of €19k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency47▼-20
Growth42▼-16
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.53 in 2023; short-term debt: 78.1% and cash: 53.1% of total assets), and 78.1% of the assets are financed with debt.
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
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 · 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
raises risk · 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 2024Solvency, return and age of the figures
Solvency
21.9%
Return on assets
28.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
23 d late
2022
26 d late
2021
29 d late
2020
30 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€604k▼ 3.9%
2018 · €628k
2018: €628k
2018 → 2019
EBIT margin
4.4%▼ 0.2pp
2018 · 4.6%
2018: 4.6%
2018 → 2019
Net result
€19k▼ 21.1%
2023 · €24k
2018: €24k
2019: €19k
2020: €24k
2021: €9k
2022: €21k
2023: €24k
2018 → 2024
Working capital
€13k▼ 52.7%
2023 · €28k
2018: €-3k
2019: €-531
2020: €-9k
2021: €9k
2022: €19k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€12k-€21k▲ 71.6%€26k▲ 26.5%€38k▲ 42.8%€15k▼ 60.9%
Operating result€28k-€12k▼ 58.0%€28k▲ 133%€31k▲ 10.8%€25k▼ 19.7%
Net result€24k-€9k▼ 63.7%€21k▲ 137%€24k▲ 18.3%€19k▼ 21.1%
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 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €67k
Fixed assets
€1k▼ 84.9%
Current assets
€65k▼ 19.0%
Equity and liabilities €67k
Equity
€15k▼ 60.9%
Debt
€52k▼ 1.2%
The debt ratio rises from 58.5% to 78.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2023 · €34k
Cash flow
€20k▼
2023 · €27k
Solvency
21.9%▼
2023 · 41.5%
Current ratio
1.25▼
2023 · 1.53
Quick ratio
1.11▼
2023 · 1.16
Debt / equity
3.56▲
2023 · 1.41
ROE
130.5%▲
2023 · 64.6%
ROA
28.6%▲
2023 · 26.8%
Interest coverage
179.82▲
2023 · 125.86
Debt
€52k▼
2023 · €53k
Debt ≤ 1 year
€52k▼
2023 · €53k
Income taxes
€6k▼
2023 · €6k
Staff costs
€93k▲
2023 · €92k
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€90k€67k▼
Fixed assets21/28€10k€1k▼
Tangible fixed assets22/27€10k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€7k€0▼
Current assets29/58€81k€65k▼
Stocks and contracts in progress3€20k€8k▼
Stocks30/36€20k€8k▼
Amounts receivable within one year40/41€7k€22k▲
Trade receivables40€7k€18k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€54k€36k▼
Equity and liabilities
Total equity and liabilities10/49€90k€67k▼
Equity10/15€38k€15k▼
Contributions10/11€7k€9k▲
Reserves13€2k€0▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Profit (loss) carried forward14€29k€6k▼
Amounts payable17/49€53k€52k▼
Amounts payable within one year42/48€53k€52k▼
Trade debts44€28k€26k▼
Suppliers440/4€28k€26k▼
Taxes, remuneration and social security45€24k€26k▲
Taxes450/3€8k€12k▲
Remuneration and social security454/9€16k€13k▼
Other amounts payable47/48€1k€0▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€521k-
Remuneration, social security and pensions62€92k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€723▼
Other operating charges640/8€705€0▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€127k€121k▼
Operating profit (loss)9901€31k€25k▼
Financial income75/76B-€174
Recurring financial income75-€174
Financial charges65/66B€269€141▼
Recurring financial charges65€269€141▼
Profit (loss) for the period before taxes9903€31k€25k▼
Income taxes67/77€6k€6k▼
Profit (loss) for the period9904€24k€19k▼
Profit (loss) for the period to be appropriated9905€24k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€48k▲
Profit (loss) brought forward from the previous period14P€18k€29k▲
Profit to be distributed694/7€13k€42k▲
Return on contributions (dividend)694€13k€42k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Highest result since 2018net €24k ▲18.3%
Operating result €31k, net result €24k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €9k ▼63.7%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 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, Florenville · 1 establishment unit since 2001
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.
Place Reine-Astrid 46820 FlorenvilleGround area
264 m²
Building footprint
122 m²
Volume, LiDAR
1,453 m³
Parcel 85011A0545/00C000, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Place Reine-Astrid 4, 6820 Florenville
since 20012.098.494.733
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85011A0545/00C000 | Wallonia | 264 m² | 1 · 122 m² | 14.0 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFlorenville2.098.494.733
Similar companies · same sector, comparable size
MAXMAT
BE 0760.435.755
Zottegem · Eq €15k
SALAM.B
BE 0746.950.280
Sint-Jans-Molenbeek · Eq €15k
DELBAR-DECAMPS
BE 0808.629.117
Tournai · Eq €14k
Meat Atelier
BE 0662.545.632
Wortegem-Petegem · Eq €14k
KHALI
BE 1008.516.027
Koekelberg · Eq €14k
Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2001
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.