FERNANDES SERVICES

Active

Private limited companyfounded 20205 yrs activeGrand'Route 275, 1428 Braine-l'Alleud, BelgiumKBO/BCE: BE 0758.637.988

The computed 12-month bankruptcy probability of FERNANDES SERVICES is 2.0% (moderate). The 2025 annual accounts show equity of €34k and a net result of €8k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 7452 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

85 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability91▼-9

Solvency100▲+4

Growth52=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity ample (current ratio 4.62 against 3.38 in 2024; short-term debt: 21.6% and cash: 97.9% of total assets), and 21.6% 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

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

78.4%

Return on assets

18%

Age of the figures

9 mo

Higher-failure-rate region

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

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 5 filings

Deviation from the deadline

2025

3 d late

2024

25 d late

2023

31 d late

2022

32 d late

2021

75 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Turnover

€63k

EBIT margin

19.7%

Net result

€8k▼ 20.1%

2024 · €10k

2021: €12k 2022: €7k 2023: €-4k 2024: €10k

2021 → 2025

Working capital

€34k▲ 31.6%

2024 · €26k

2021: €13k 2022: €17k 2023: €15k 2024: €26k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€63k-

Equity€13k-€20k▲ 52.6%€17k▼ 18.5%€26k▲ 59.6%€34k▲ 29.9%

Operating result€12k-€10k▼ 21.1%€-2k€10k€13k▲ 29.2%

Net result€12k-€7k▼ 43.2%€-4k€10k€8k▼ 20.1%

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

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 29% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €44k

78.4%

21.6%

Equity €34k▲ 29.9%

Debt €9k▼ 13.5%

The debt ratio falls from 29.3% to 21.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€13k▲

2024 · €11k

Cash flow

€8k▼

2024 · €11k

Solvency

78.4%▲

2024 · 70.7%

Current ratio

4.62▲

2024 · 3.38

Quick ratio

4.62▲

2024 · 3.38

Debt / equity

0.28▼

2024 · 0.41

ROE

23.0%▼

2024 · 37.3%

ROA

18.0%▼

2024 · 26.4%

Interest coverage

126.79▲

2024 · 108.64

Debt

€9k▼

2024 · €11k

Debt ≤ 1 year

€9k▼

2024 · €11k

Income taxes

€5k

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€37k€44k▲

Fixed assets21/28€359-

Tangible fixed assets22/27€359-

Furniture and vehicles24€359-

Current assets29/58€37k€44k▲

Amounts receivable within one year40/41€10k€864▼

Trade receivables40€10k€373▼

Other amounts receivable41€840€492▼

Cash at bank and in hand54/58€26k€43k▲

Deferred charges and accrued income490/1€266€37▼

Equity and liabilities

Total equity and liabilities10/49€37k€44k▲

Equity10/15€26k€34k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€25k€33k▲

Amounts payable17/49€11k€9k▼

Amounts payable within one year42/48€11k€9k▼

Trade debts44€3k€395▼

Suppliers440/4€3k€395▼

Taxes, remuneration and social security45€2k€6k▲

Taxes450/3-€3k

Remuneration and social security454/9€2k€4k▲

Other amounts payable47/48€6k€3k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€359▼

Other operating charges640/8-€148

Gross operating margin9900€11k€13k▲

Operating profit (loss)9901€10k€13k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€104€104=

Recurring financial charges65€104€104=

Profit (loss) for the period before taxes9903€10k€13k▲

Income taxes67/77-€5k

Profit (loss) for the period9904€10k€8k▼

Profit (loss) for the period to be appropriated9905€10k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€25k€33k▲

Profit (loss) brought forward from the previous period14P€16k€25k▲

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 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 3 days late

2025

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

31-12

Financial Back to profitnet €10k

Net result €10k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

31-12

Financial Weakest financial yearnet €-4k ▼154%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

01-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 32 days late

2022

14-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 75 days late

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

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, Braine-l'Alleud · 1 establishment unit since 2020

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.

Grand'Route 2751428 Braine-l'Alleud

Ground area

100 m²

Building footprint

76 m²

Volume, LiDAR

543 m³

Parcel 25054A0185/00K000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FERNANDES SERVICES

Grand'Route 275, 1428 Braine-l'AlleudSpecialised construction activities

since 20202.310.746.965

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25054A0185/00K000	Wallonia	100 m²	1 · 75 m²	9.6 m · 2 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.

Similar companies · same sector, comparable size

La Louvière · Eq €34k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 12,635 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-11-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41003General construction of other non-residential buildings

43350Other building finishing work

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.