Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
Financials
Financial year 2025
FERM-IMMO from Ternat, company number BE0885886251, closed financial year 2025 with a result of € -1,698 after tax. For that financial year FERM-IMMO recorded a gross margin of € -1,939 and equity of € -408,633. Compared with financial year 2024, the result moved from € 2,597 to € -1,698. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on February 4, 2026.
€ -408,633
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,698
▼ still € 2,597 profit in 2024
Profit after tax over the fiscal year.
€ 5,804
▼ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -508,633.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,148 | € -6,551 | € -3,470 | € -1,939 | ▲ € 1,531 |
| Profit after taxes | € -19,070 | € 45,684 | € 2,597 | € -1,698 | ▼ € 4,294 |
| Equity | € -455,216 | € -409,532 | € -406,935 | € -408,633 | |
| Total debts | € 501,946 | € 446,035 | € 445,871 | € 445,871 | |
| Cash | € 26,496 | € 5,643 | € 8,692 | € 5,804 | ▼ 33% |
| Retained profit | € -555,216 | € -509,532 | € -506,935 | € -508,633 | |
| Bank debt | € 3,167 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 46,730 | € 36,503 | € 38,936 | € 37,238 | ▼ 4% |
Key figures of FERM-IMMO, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to FERM-IMMO?
What happened at FERM-IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sempst BV stepped down as director. NBB
- Einder BV stepped down as director. NBB
- Ha-Ve BV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 1,698 (▼ € 4,294 vs 2024). filed late Source: NBB ↗
- Sempst BV became a director. NBB
- Einder BV became a director. NBB
- Ha-Ve BV became a director. NBB
- New establishment in Ternat. KBO
In short
From € 19,070 loss in 2022 to € 1,698 loss in 2025.
Best year ever: 2023, with € 45,684 profit.
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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
The stake of SEMPST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FERM-IMMOThe shares are held by SEMPST (51.7%).
Directors
According to the 2025 annual accounts
Managing director · represented by Lode Verdoodt
Also active at: WOENST, GRONDIG, NIVEL, GERIMAR, DE HERTOG, BEAUTIFUL HOME, Het Binnenland, PEILER +4 more
since 2023 · until 2029
Managing director · represented by Lukas Verdoodt
Also active at: WOENST, GRONDIG, DE HERTOG, BEAUTIFUL HOME, Het Binnenland, PEILER, SEMPST, SYNT +3 more
since 2023 · until 2029
Shareholders
51.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Marktplein 25
1740 Ternat
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0885.886.251
- VAT number
- BE 0885.886.251
- Registered office
- Marktplein 25, 1740 Ternat
- Names & denominations
- FERM-IMMO · FERM
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 22 December 2006
- Peppol
- Active · Active since 6 Aug 2025
- Activities · NACE
Handel in eigen onroerend goed
Activiteiten van holdings
Activiteiten van syndici van onroerend goed
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Holdings
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis