FAYOS FERRER srl
ActiveFAYOS FERRER srl has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €48k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 16408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-20
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.74 against 1.35 in 2024), and 90.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
9.8%
Return on assets
5.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 16408 sector peers (2025).
NBB · sector comparisonPosition among 16408 sector peers
Solvency
better than 14%
← weakest
strongest →
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 21-07-2026, 10 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
10 d early
2024
2 d early
2023
35 d early
2022
30 d late
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k=
2024 · €79k
2020: €26k
2021: €51k
2022: €79k
2023: €79k
2024: €79k
2020 → 2025
Total assets
€802k▲ 99.1%
2024 · €403k
2020: €81k
2021: €108k
2022: €202k
2023: €426k
2024: €403k
2020 → 2025
Net result
€48k▲ 20.8%
2024 · €39k
2020: €21k
2021: €24k
2022: €28k
2023: €27k
2024: €39k
2020 → 2025
Working capital
€-57k
2024 · €35k
2020: €178
2021: €11k
2022: €44k
2023: €73k
2024: €35k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€79k▲ 54.5%€79k=€79k=€79k=
Operating result€68k-€79k▲ 15.0%€120k▲ 52.4%€114k▼ 5.0%€169k▲ 48.5%
Net result€24k-€28k▲ 13.3%€27k▼ 1.1%€39k▲ 43.7%€48k▲ 20.8%
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 48% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €802k
Fixed assets
€641k▲ 139%
Current assets
€161k▲ 19.7%
Equity and liabilities €802k
Equity
€79k=
Debt
€724k▲ 123%
The debt ratio rises from 80.5% to 90.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€208k▲
2024 · €148k
Cash flow
€86k▲
2024 · €74k
Solvency
9.8%▼
2024 · 19.5%
Current ratio
0.74▼
2024 · 1.35
Quick ratio
0.74▼
2024 · 1.35
Debt / equity
9.20▲
2024 · 4.12
ROE
60.6%▲
2024 · 50.2%
ROA
5.9%▼
2024 · 9.8%
Interest coverage
1.87▼
2024 · 2.33
Debt
€724k▲
2024 · €324k
Debt ≤ 1 year
€218k▲
2024 · €100k
Debt > 1 year
€506k▲
2024 · €225k
Income taxes
€15k▲
2024 · €13k
Staff costs
€136k▲
2024 · €85k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€403k€802k▲
Fixed assets21/28€268k€641k▲
Tangible fixed assets22/27€267k€640k▲
Land and buildings22€208k€196k▼
Plant, machinery and equipment23€1k-
Furniture and vehicles24€26k€93k▲
Other tangible fixed assets26€32k€351k▲
Financial fixed assets28€2k€2k=
Current assets29/58€134k€161k▲
Amounts receivable within one year40/41€85k€82k▼
Other amounts receivable41€85k€82k▼
Cash at bank and in hand54/58€37k€42k▲
Deferred charges and accrued income490/1€12k€37k▲
Equity and liabilities
Total equity and liabilities10/49€403k€802k▲
Equity10/15€79k€79k=
Contributions10/11€5k€5k=
Reserves13€74k€74k=
Distributable reserves133€74k€74k=
Amounts payable17/49€324k€724k▲
Amounts payable after more than one year17€225k€506k▲
Financial debts170/4€225k€506k▲
Amounts payable within one year42/48€100k€218k▲
Current portion of amounts payable after more than one year42€9k€62k▲
Trade debts44€37k€90k▲
Suppliers440/4€37k€90k▲
Taxes, remuneration and social security45€14k€18k▲
Remuneration and social security454/9€14k€18k▲
Other amounts payable47/48€39k€48k▲
Income statement
Code20242025
Remuneration, social security and pensions62€85k€136k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€39k▲
Other operating charges640/8€2k€16k▲
Gross operating margin9900€235k€359k▲
Operating profit (loss)9901€114k€169k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€63k€111k▲
Recurring financial charges65€63k€111k▲
Profit (loss) for the period before taxes9903€53k€62k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€39k€48k▲
Profit (loss) for the period to be appropriated9905€39k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€48k▲
Profit to be distributed694/7€39k€48k▲
Return on contributions (dividend)694€39k€48k▲
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €48k ▲20.8%
Operating result €169k, net result €48k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bièvre · 1 establishment unit since 2019
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.
Rue de Bouillon 125555 BièvreGround area
203 m²
Building footprint
109 m²
Parcel 91015B0300/00K008, Wallonia. Linked by address, not a title deed.
1 establishment unit
FAYOS FERRER
since 20192.291.781.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91015B0300/00K008 | Wallonia | 203 m² | 1 · 109 m² | - |
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
Legal Entity Identifier
254900G6S34B0BROXK13
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Of 6,925 companies in sector 86230 we hold annual accounts for 4,281. 3,454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2019
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:fayosferrerpaula@gmail.com