Fervial
ActiveFervial has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €53k. Equity is growing by ~56.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 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
Profitability100▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 10.54 against 15.13 in 2024; short-term debt: 9.2% and cash: 18.4% of total assets), and 9.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
90.8%
Return on assets
27.6%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
26 d late
2019
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 43.6%
2024 · €121k
2018: €-799
2019: €-427
2020: €4k
2021: €14k
2022: €74k
2023: €92k
2024: €121k
2018 → 2025
Total assets
€191k▲ 48.7%
2024 · €129k
2018: €5k
2019: €1k
2020: €7k
2021: €16k
2022: €110k
2023: €140k
2024: €129k
2018 → 2025
Net result
€53k▲ 81.5%
2024 · €29k
2018: €1k
2019: €372
2020: €4k
2021: €10k
2022: €60k
2023: €18k
2024: €29k
2018 → 2025
Working capital
€168k▲ 54.3%
2024 · €109k
2018: €-1k
2019: €-427
2020: €3k
2021: €14k
2022: €65k
2023: €79k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€74k▲ 435%€92k▲ 24.6%€121k▲ 31.6%€173k▲ 43.6%
Operating result€12k-€89k▲ 649%€28k▼ 68.8%€41k▲ 46.5%€73k▲ 78.7%
Net result€10k-€60k▲ 487%€18k▼ 69.7%€29k▲ 60.1%€53k▲ 81.5%
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 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€5k▼ 55.4%
Current assets
€186k▲ 59.2%
Equity and liabilities €191k
Equity
€173k▲ 43.6%
Debt
€18k▲ 129%
The debt ratio rises from 6.0% to 9.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €46k
Cash flow
€58k▲
2024 · €35k
Solvency
90.8%▼
2024 · 94.0%
Current ratio
10.54▼
2024 · 15.13
Quick ratio
10.54▼
2024 · 15.13
Debt / equity
0.10▲
2024 · 0.06
ROE
30.4%▲
2024 · 24.0%
ROA
27.6%▲
2024 · 22.6%
Interest coverage
21.00▲
2024 · 13.17
Debt
€18k▲
2024 · €8k
Debt ≤ 1 year
€18k▲
2024 · €8k
Income taxes
€22k▲
2024 · €12k
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€129k€191k▲
Fixed assets21/28€12k€5k▼
Tangible fixed assets22/27€12k€5k▼
Land and buildings22€1k€1k▼
Furniture and vehicles24€10k€4k▼
Current assets29/58€117k€186k▲
Amounts receivable within one year40/41€90k€151k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€85k€142k▲
Cash at bank and in hand54/58€26k€35k▲
Equity and liabilities
Total equity and liabilities10/49€129k€191k▲
Equity10/15€121k€173k▲
Contributions10/11€6k€6k=
Reserves13€115k€167k▲
Distributable reserves133€115k€167k▲
Amounts payable17/49€8k€18k▲
Amounts payable within one year42/48€8k€18k▲
Trade debts44€540€2k▲
Suppliers440/4€540€2k▲
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€649€966▲
Gross operating margin9900€47k€79k▲
Operating profit (loss)9901€41k€73k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€41k€75k▲
Income taxes67/77€12k€22k▲
Profit (loss) for the period9904€29k€53k▲
Profit (loss) for the period to be appropriated9905€29k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€53k▲
Transfer to equity691/2€29k€53k▲
To other reserves6921€29k€53k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €173k ▲43.6%
8 profitable years in a row build equity to €173k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity times 6current ratio 15.13
Current ratio from 2.64 to 15.13; short-term debt falls from €48k to €8k.
31-12
Financial
Equity above €100kEq €121k ▲31.6%
7 profitable years in a row build equity to €121k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €60k ▲487%
Operating result €89k, net result €60k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.78
Current ratio from 1.93 to 6.78; short-term debt falls from €3k to €2k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 1.93
Current ratio from 0.72 to 1.93.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €372 ▼73.5%
Net result drops to €372, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-08-2025
Feringa Mike: Resigned as Director
01-03-2020
Feringa Mike Bernard: Resigned as Manager
Location & real-estate footprint
Registered office, Kapellen · 1 establishment unit since 2013
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.
Merellaan 622950 KapellenGround area
472 m²
Building footprint
104 m²
Volume, LiDAR
592 m³
Parcel 11362M0098/00N000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fervial
since 20132.221.672.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0098/00N000 | Flanders | 472 m² | 1 · 104 m² | 8.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,178 EUR awarded · 1,178 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,178 EUR | 1,178 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
52100Warehousing and storage
52250Logistics services
52290Warehousing and support activities for transportation
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.