F.A.M.
ActiveSummary
The annual accounts of F.A.M. for fiscal year 2024 show a net loss of 100% of the equity at the start of that year. The 2024 annual accounts show equity of €200 and a net result of €-69k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 8095 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability7▼-61
Solvency25▼-9
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.59 against 0.63 in 2023; short-term debt: 100% and cash: 20.2% of total assets), and 100% 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0%
Return on assets
-9.2%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-69k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 8095 sector peers (2024).
NBB · sector comparisonPosition among 8095 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
1 d early
2022
on the day
2021
2 d early
2020
1 d early
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€200▼ 99.7%
2023 · €69k
2018: €981khighest in 7 years
2019: €972k▼ -1.0% vs 2018
2020: €-12k▼ -101% vs 2019lowest in 7 years
2021: €73k▲ +718% vs 2020
2022: €73k▲ +0.5% vs 2021
2023: €69k▼ -5.8% vs 2022
2024: €200▼ -99.7% vs 2023
2018 → 2024
Total assets
€749k▲ 0.3%
2023 · €747k
2018: €1.50Mhighest in 7 years
2019: €1.48M▼ -2.0% vs 2018
2020: €1.39M▼ -5.5% vs 2019
2021: €1.40M▲ +0.4% vs 2020
2022: €1.38M▼ -1.1% vs 2021
2023: €747k▼ -46.0% vs 2022lowest in 7 years
2024: €749k▲ +0.3% vs 2023
2018 → 2024
Net result
€-69k▼ 1,520%
2023 · €-4k
2018: €-17k
2019: €-10k▲ +42.8% vs 2018
2020: €-14k▼ -39.6% vs 2019
2021: €85k▲ +726% vs 2020highest in 7 years
2022: €330▼ -99.6% vs 2021
2023: €-4k▼ -1386% vs 2022
2024: €-69k▼ -1520% vs 2023lowest in 7 years
2018 → 2024
Working capital
€-308k▼ 21.0%
2023 · €-254k
2018: €465khighest in 7 years
2019: €455k▼ -2.2% vs 2018
2020: €-507k▼ -211% vs 2019lowest in 7 years
2021: €-281k▲ +44.5% vs 2020
2022: €-265k▲ +5.7% vs 2021
2023: €-254k▲ +4.2% vs 2022
2024: €-308k▼ -21.0% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-12k-€73k€73k▲ 0.5%€69k▼ 5.8%€200▼ 99.7%
2020: €-12klowest in 5 years
2021: €73k▲ +718% vs 2020
2022: €73k▲ +0.5% vs 2021highest in 5 years
2023: €69k▼ -5.8% vs 2022
2024: €200▼ -99.7% vs 2023
Operating result€-11k-€-9k▲ 23.8%€2k€-3k€-68k▼ 2,130%
2020: €-11k
2021: €-9k▲ +23.8% vs 2020
2022: €2k▲ +121% vs 2021highest in 5 years
2023: €-3k▼ -269% vs 2022
2024: €-68k▼ -2130% vs 2023lowest in 5 years
Net result€-14k-€85k€330▼ 99.6%€-4k€-69k▼ 1,520%
2020: €-14k
2021: €85k▲ +726% vs 2020highest in 5 years
2022: €330▼ -99.6% vs 2021
2023: €-4k▼ -1386% vs 2022
2024: €-69k▼ -1520% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €68k in 2024 against €3k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €749k
Fixed assets
€308k ▼ 4.7%
Current assets
€441k ▲ 4.1%
Equity and liabilities €749k
Equity
€200 ▼ 99.7%
Debt
€749k ▲ 10.4%
Debt's share of the balance-sheet total rises from 90.8% to 100.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-52k▼
2023 · €12k
Cash flow
€-53k▼
2023 · €11k
Current ratio
0.59▼
2023 · 0.63
Quick ratio
0.35▼
2023 · 0.37
ROA
-9.2%▼
2023 · -0.6%
Interest coverage
-75.31▼
2023 · 13.27
Debt ≤ 1 year
€749k▲
2023 · €678k
Income taxes
€265▼
2023 · €280
Equity ratios withheld: equity of €200 is too small for a meaningful ratio.
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€747k€749k▲
Fixed assets21/28€323k€308k▼
Tangible fixed assets22/27€323k€308k▼
Land and buildings22€322k€308k▼
Plant, machinery and equipment23€200€0▼
Furniture and vehicles24€900€0▼
Financial fixed assets28€250€250=
Current assets29/58€424k€441k▲
Stocks and contracts in progress3€176k€176k=
Stocks30/36€176k€176k=
Amounts receivable within one year40/41€65k€113k▲
Trade receivables40€33k€81k▲
Other amounts receivable41€32k€32k=
Cash at bank and in hand54/58€183k€152k▼
Deferred charges and accrued income490/1-€540
Equity and liabilities
Total equity and liabilities10/49€747k€749k▲
Equity10/15€69k€200▼
Contributions10/11€1.15M€1.15M=
Capital10€1.15M€1.15M=
Issued capital100€1.15M€1.15M=
Profit (loss) carried forward14€-1.08M€-1.15M▼
Amounts payable17/49€678k€749k▲
Amounts payable within one year42/48€678k€749k▲
Trade debts44€1k€68k▲
Suppliers440/4€1k€68k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€672k€674k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Other operating charges640/8€7k€12k▲
Gross operating margin9900€19k€-41k▼
Operating profit (loss)9901€-3k€-68k▼
Financial charges65/66B€924€696▼
Recurring financial charges65€924€696▼
Profit (loss) for the period before taxes9903€-4k€-68k▼
Income taxes67/77€280€265▼
Profit (loss) for the period9904€-4k€-69k▼
Profit (loss) for the period to be appropriated9905€-4k€-69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.08M€-1.15M▼
Profit (loss) brought forward from the previous period14P€-1.08M€-1.08M▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €16k | €16k | €15k | €15k | = |
| Other operating charges640/8 | - | €6k | €6k | €7k | €12k | ▲ 79.1% |
| Gross operating margin9900 | €10k | €13k | €23k | €19k | €-41k | ▼ 317% |
| Operating profit (loss)9901 | €-11k | €-9k | €2k | €-3k | €-68k | ▼ 2,130% |
| Financial income75/76B | - | €95k | €0 | - | - | - |
| Recurring financial income75 | €1 | €0 | €0 | - | - | - |
| Non-recurring financial income76B | - | €95k | €0 | - | - | - |
| Financial charges65/66B | - | €1k | €1k | €924 | €696 | ▼ 24.7% |
| Recurring financial charges65 | €2k | €1k | €1k | €924 | €696 | ▼ 24.7% |
| Profit (loss) for the period before taxes9903 | €-13k | €85k | €630 | €-4k | €-68k | ▼ 1,627% |
| Income taxes67/77 | €422 | €321 | €300 | €280 | €265 | ▼ 5.4% |
| Profit (loss) for the period9904 | €-14k | €85k | €330 | €-4k | €-69k | ▼ 1,520% |
| Profit (loss) for the period to be appropriated9905 | €-14k | €85k | €330 | €-4k | €-69k | ▼ 1,520% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.39M | €1.40M | €1.38M | €747k | €749k | ▲ 0.3% |
| Fixed assets21/28 | €495k | €354k | €339k | €323k | €308k | ▼ 4.7% |
| Tangible fixed assets22/27 | €370k | €354k | €338k | €323k | €308k | ▼ 4.7% |
| Land and buildings22 | - | €350k | €336k | €322k | €308k | ▼ 4.4% |
| Plant, machinery and equipment23 | - | €952 | €400 | €200 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €3k | €2k | €900 | €0 | ▼ 100% |
| Financial fixed assets28 | €125k | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €899k | €1.04M | €1.05M | €424k | €441k | ▲ 4.1% |
| Stocks and contracts in progress3 | €176k | €176k | €176k | €176k | €176k | = |
| Stocks30/36 | - | €176k | €176k | €176k | €176k | = |
| Amounts receivable within one year40/41 | €42k | €44k | €43k | €65k | €113k | ▲ 74.6% |
| Trade receivables40 | - | €22k | €11k | €33k | €81k | ▲ 148% |
| Other amounts receivable41 | - | €22k | €32k | €32k | €32k | = |
| Cash at bank and in hand54/58 | €681k | €825k | €827k | €183k | €152k | ▼ 17.2% |
| Deferred charges and accrued income490/1 | - | €0 | - | - | €540 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.39M | €1.40M | €1.38M | €747k | €749k | ▲ 0.3% |
| Equity10/15 | €-12k | €73k | €73k | €69k | €200 | ▼ 99.7% |
| Contributions10/11 | €1.15M | €1.15M | €1.15M | €1.15M | €1.15M | = |
| Capital10 | - | €1.15M | €1.15M | €1.15M | €1.15M | = |
| Issued capital100 | - | €1.15M | €1.15M | €1.15M | €1.15M | = |
| Profit (loss) carried forward14 | €-1.16M | €-1.08M | €-1.08M | €-1.08M | €-1.15M | ▼ 6.4% |
| Amounts payable17/49 | €1.41M | €1.33M | €1.31M | €678k | €749k | ▲ 10.4% |
| Amounts payable within one year42/48 | €1.41M | €1.33M | €1.31M | €678k | €749k | ▲ 10.4% |
| Trade debts44 | €3k | €4k | €1k | €1k | €68k | ▲ 5,500% |
| Suppliers440/4 | - | €4k | €1k | €1k | €68k | ▲ 5,500% |
| Taxes, remuneration and social security45 | - | €321 | €777 | €6k | €8k | ▲ 35.0% |
| Taxes450/3 | - | €321 | €777 | €6k | €8k | ▲ 35.0% |
| Other amounts payable47/48 | - | €1.32M | €1.31M | €672k | €674k | ▲ 0.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-14k | €85k | €330 | €-4k | €-69k | ▼ 1,520% |
| + Depreciation and write-downs630 | €16k | €16k | €16k | €15k | €15k | = |
| Operating cash flow (approximation) | €2k | €100k | €16k | €11k | €-53k | ▼ 583% |
| Investment in fixed assets (approximation) | - | €125k | €0 | €0 | €0 | - |
| Change in cash | - | €144k | €2k | €-643k | €-32k | ▲ 95.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €85k
Net result €85k after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Wuustwezel · 1 establishment unit since 2006
Ground area
480 m²
Building footprint
264 m²
Volume, LiDAR
1,142 m³
Parcel 11682G0414/00P004, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
F.A.M.
since 20062.152.513.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0414/00P004 | Flanders | 480 m² | 1 · 264 m² | 8.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 82,553 companies in sector 70200 we hold annual accounts for 52,585. 1,250 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Scores and ratios are computed by Checked and are not a credit decision.