PEJ-FERRANT
ActiveSummary
PEJ-FERRANT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334k and a net result of €60k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 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
Profitability83▲+10
Solvency87▲+12
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.11 against 0.06 in 2024; short-term debt: 21.8% and cash: 0.5% of total assets), and 38.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 →
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
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
61.9%
Return on assets
11.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €334k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
27 d late
2023
26 d late
2022
1 d late
2021
26 d early
2020
20 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€60k▲ 189%
2024 · €21k
2018: €5k
2019: €4k
2020: €8k
2021: €3k
2022: €10k
2023: €-1k
2024: €21k
2018 → 2025
Working capital
€-104k▲ 34.7%
2024 · €-160k
2018: €82k
2019: €101k
2020: €-95k
2021: €-99k
2022: €-109k
2023: €-166k
2024: €-160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€265k-€255k▼ 3.9%€253k▼ 0.5%€274k▲ 8.2%€334k▲ 21.9%
Operating result€4k-€13k▲ 237%€373▼ 97.1%€30k▲ 8,027%€81k▲ 168%
Net result€3k-€10k▲ 192%€-1k€21k€60k▲ 189%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 168% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€526k ▼ 2.4%
Current assets
€13k ▲ 24.4%
Equity and liabilities €539k
Equity
€334k ▲ 21.9%
Provisions
€77k ▼ 3.8%
Debt
€128k ▼ 34.6%
Debt's share of the balance-sheet total falls from 35.5% to 23.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▲
2024 · €65k
Cash flow
€97k▲
2024 · €55k
Current ratio
0.11▲
2024 · 0.06
Debt to equity
0.38▼
2024 · 0.71
ROE
17.9%▲
2024 · 7.6%
ROA
11.1%▲
2024 · 3.8%
Interest coverage
48.34▲
2024 · 17.26
Debt ≤ 1 year
€117k▼
2024 · €170k
Debt > 1 year
€10k▼
2024 · €25k
Income taxes
€22k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€550k€539k▼
Fixed assets21/28€539k€526k▼
Tangible fixed assets22/27€539k€526k▼
Land and buildings22€392k€376k▼
Plant, machinery and equipment23€147k€150k▲
Current assets29/58€10k€13k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€0€389▲
Other amounts receivable41€4k€7k▲
Current investments50/53€658€664▲
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€550k€539k▼
Equity10/15€274k€334k▲
Contributions10/11€12k€12k=
Reserves13€228k€222k▼
Tax-exempt reserves132€156k€151k▼
Distributable reserves133€72k€72k=
Profit (loss) carried forward14€33k€99k▲
Provisions and deferred taxes16€81k€77k▼
Deferred taxes168€81k€77k▼
Amounts payable17/49€195k€128k▼
Amounts payable after more than one year17€25k€10k▼
Financial debts170/4€25k€10k▼
Amounts payable within one year42/48€170k€117k▼
Current portion of amounts payable after more than one year42€33k€15k▼
Trade debts44€42€0▼
Suppliers440/4€42€0▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€136k€102k▼
Accrued charges and deferred income492/3€22€15▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€37k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€68k€122k▲
Operating profit (loss)9901€30k€81k▲
Financial income75/76B€3€7▲
Recurring financial income75€3€7▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€27k€79k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€9k€22k▲
Profit (loss) for the period9904€21k€60k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€27k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€99k▲
Profit (loss) brought forward from the previous period14P€7k€33k▲
The notes to these accounts (9 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €60k ▲189%
Operating result €81k, net result €60k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-1k ▼114%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 8.68
Current ratio from 2.20 to 8.68; short-term debt falls from €68k to €13k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Villers-la-Ville · 1 establishment unit since 2014
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.
Drève aux Silex 41495 Villers-la-VilleGround area
2,657 m²
Building footprint
177 m²
Volume, LiDAR
915 m³
Parcel 25102B0276/00E000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEJ-FERRANT
since 20142.230.092.158
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25102B0276/00E000 | Wallonia | 2,657 m² | 1 · 177 m² | 7.4 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.
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,643 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.