Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FERNAND from Kortrijk, company number BE0841991969, closed financial year 2025 with a result of € 1,267 after tax. For that financial year FERNAND recorded a gross margin of € 69,107 and equity of € 103,325. Compared with financial year 2024, the result moved from € 17,176 to € 1,267. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2026.
€ 103,325
▼ 19% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,267
▼ 93% vs 2024
Profit after tax over the fiscal year.
€ 4,884
▼ 87% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 25,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 32,951
▼ 21% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,578
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 155,189
▼ 12% vs 2024
€ 13,632 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 20,190
▲ € 17,935 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,904
▼ 84% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 92,077 | € 110,193 | € 95,873 | € 69,107 | ▼ 28% |
| Profit after taxes | € 2,854 | € 1,903 | € 17,176 | € 1,267 | ▼ 93% |
| Equity | € 107,979 | € 109,882 | € 127,058 | € 103,325 | ▼ 19% |
| Total debts | € 228,395 | € 236,865 | € 198,388 | € 178,395 | ▼ 10% |
| Cash | € 41,385 | € 54,069 | € 36,894 | € 4,884 | ▼ 87% |
| Land & buildings | € 199,387 | € 187,880 | € 180,066 | € 194,551 | ▲ 8% |
| Retained profit | € 93,099 | € 95,002 | € 112,178 | € 88,445 | ▼ 21% |
| Dividend | € 0 | € 0 | € 0 | € 25,000 | |
| Bank debt | € 203,404 | € 196,006 | € 176,083 | € 155,189 | ▼ 12% |
| Balance sheet total | € 336,374 | € 346,747 | € 325,446 | € 281,720 | ▼ 13% |
Key figures of FERNAND, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to FERNAND?
What happened at FERNAND in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,267 (▼ 93% vs 2024). Source: NBB ↗
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,854 profit in 2022 to € 1,267 profit in 2025.
Paid € 4,404 in corporate taxes since 2022.
Best year ever: 2024, with € 17,176 profit.
Paid out € 25,000 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Joke Soubry
Director
Establishments
Establishment units
Physical locations of this company
Zwevegemsestraat(Kor) 61
8500 Kortrijk
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0841.991.969
- VAT number
- BE 0841.991.969
- Registered office
- Zwevegemsestraat(Kor) 61, 8500 Kortrijk
- Names & denominations
- FERNAND
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 November 2011
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- cafe-fernand.be [email protected]
- Activities · NACE
Cafés en bars
Activiteiten van eetgelegenheden met volledige bediening
Detailhandel in groenten en fruit
Eetgelegenheden met volledige bediening
Markt- en straathandel in voedings- en genotmiddelen