F.A.M.
ActiveSummary
The computed 12-month bankruptcy probability of F.A.M. is 3.8% (moderate). The 2025 annual accounts show equity of €98k and a net result of €96k. Its solvency ranks better than 69% of 13305 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency77
Growth-
Track record67
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 2.05; short-term debt: 35.1% and cash: 4.4% of total assets), and 47.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
52.2%
Return on assets
51%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 1 filingDeviation from the deadline
2025
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€98k
Total assets
€188k
Net result
€96k
Working capital
€70k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €188k
Fixed assets
€53k
Current assets
€136k
Equity and liabilities €188k
Equity
€98k
Debt
€90k
Debt finances 47.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€156k
Cash flow
€112k
Current ratio
2.05
Quick ratio
2.00
Debt to equity
0.92
ROE
97.6%
ROA
51.0%
Interest coverage
47.52
Debt ≤ 1 year
€66k
Debt > 1 year
€23k
Income taxes
€42k
Staff costs
€98k
Filed annual accounts As filed with the NBB · 2025 · 54 lines
Balance sheet
Code2025
Assets
Total assets20/58€188k
Fixed assets21/28€53k
Intangible fixed assets21€1
Tangible fixed assets22/27€52k
Plant, machinery and equipment23€12k
Furniture and vehicles24€40k
Other tangible fixed assets26€41
Financial fixed assets28€297
Current assets29/58€136k
Amounts receivable after more than one year29€120k
Trade receivables290€120k
Stocks and contracts in progress3€3k
Stocks30/36€3k
Amounts receivable within one year40/41€1k
Trade receivables40€1k
Cash at bank and in hand54/58€8k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€188k
Equity10/15€98k
Contributions10/11€4k
Reserves13€94k
Distributable reserves133€94k
Profit (loss) carried forward14€376
Amounts payable17/49€90k
Amounts payable after more than one year17€23k
Financial debts170/4€23k
Amounts payable within one year42/48€66k
Financial debts43€6k
Credit institutions430/8€6k
Trade debts44€34k
Suppliers440/4€34k
Taxes, remuneration and social security45€21k
Taxes450/3€15k
Remuneration and social security454/9€6k
Other amounts payable47/48€5k
Accrued charges and deferred income492/3€895
Income statement
Code2025
Remuneration, social security and pensions62€98k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k
Other operating charges640/8€4k
Gross operating margin9900€258k
Operating profit (loss)9901€140k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€138k
Income taxes67/77€42k
Profit (loss) for the period9904€96k
Profit (loss) for the period to be appropriated9905€96k
Appropriation of the result
Profit (loss) to be appropriated9906€96k
Transfer to equity691/2€94k
To other reserves6921€94k
Profit to be distributed694/7€2k
Return on contributions (dividend)694€2k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Chimay · 1 establishment unit since 2024
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.
Rue Gustave Joaris(LOM) 276463 ChimayGround area
466 m²
Building footprint
279 m²
Volume, LiDAR
2,179 m³
Parcel 56045A0196/00H000, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
F.A.M.
since 20242.360.389.387
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56045A0196/00H000 | Wallonia | 466 m² | 1 · 279 m² | 10.3 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteChimay2.360.389.387
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,594 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
Founded05-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.