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FAMARO

Active
Public limited companyfounded 199035 yrs activeKerselarenstraat 33, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0442.357.018
Summary

FAMARO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €155,121. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 1082 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
FAMAROActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Office administrative and support services
NACE 82100Retail sale of pharmaceutical products NACE 47730NACE 74142
#7 oldest company in Tongeren-Borgloon, Administrative and support services sector1 site
Size
€1.2mtotal assets 2025
Equity
€1.1m
Profit
€155,121
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Holdings
1
Accounts 39 d early0 of 6 deeds read
Why 96+ Size: total assets €1.2m+ Figures for FY 2025 (filed 22-06-2026)+ Founded in 1990+ Equity €1.1m (89.3% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 67% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 89.3% of total assets
Liquidity 64+7
short-term debt 10.0% · cash 11.2%
Profitability 85-7
return on assets 13.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,453 companies)
Last 24 months 11-2024: < 0.1%highest value 12-2024: < 0.1%▼ -6.0% vs 11-2024 01-2025: < 0.1%▼ -2.1% vs 12-2024 02-2025: < 0.1%▲ +2.2% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +2.1% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▼ -29.2% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▲ +2.9% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%▲ +2.9% vs 04-2026 06-2026: < 0.1%▲ +5.6% vs 05-2026 07-2026: < 0.1%▼ -23.7% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €1.2m lowers the probability for this profile
  • Figures for FY 2025 (filed 22-06-2026) lowers the probability
  • Founded in 1990 lowers the probability for this profile
  • Equity €1.1m (89.3% of total assets) lowers the probability
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 3.49 against 1.63 in 2024; short-term debt: 10% and cash: 11.2% of total assets), and 10.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 88%, liquidity 59%, profitability 60%, growth against the median 63%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 22-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €1.1m (89.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 d early
2024
37 d early
2023
43 d early
2022
34 d early
2021
16 d early
2020
33 d early
2019
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

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. Usually files around 24 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. General meeting · Director resignationPermanent representative · Statutes amendment
  2. Annual accounts filedfiscal year 2025 · full…
  3. Liquidity doublescurrent ratio 3.49

Key points

  • Positive: Among the best 14% on solvencysector median 44.8% · 1,082 companies 89.3% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €155,121 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€155,121
Solvency
89.3%
Total assets▲ 6.5%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 05-08-2026General meeting · Director resignation
  2. 22-06-2026Annual accounts filed
  3. 31-12-2025Liquidity doubles
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Office administrative and support servicesNACE 82100
Founded
30-10-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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