Summary
Famber is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €126k and a net result of €278k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 5547 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 5547 sector peers (2025).
NBB · sector comparisonPosition among 5547 sector peers
Solvency
better than 24%
← weakest
strongest →
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 22-05-2026, 70 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
70 d early
2024
14 d early
2023
29 d early
2022
25 d early
2021
3 d early
2020
31 d early
2019
30 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€126k=
2024 · €126k
Net result
€278k▼ 22.2%
2024 · €357k
Total assets
€560k▲ 15.6%
2024 · €484k
Solvency
22.6%▼ 3.5pp
2024 · 26.1%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€191k▲ 12.6%€241k▲ 25.8%€325k▲ 35.0%€479k▲ 47.4%€376k▼ 21.5%
Net result€159k▲ 12.7%€195k▲ 22.8%€256k▲ 31.3%€357k▲ 39.6%€278k▼ 22.2%
Equity€473k▲ 56.7%€43k▼ 90.9%€299k▲ 595%€126k▼ 57.7%€126k=
Total assets€623k▲ 33.8%€870k▲ 39.8%€425k▼ 51.2%€484k▲ 14.0%€560k▲ 15.6%
Debt€149k▼ 8.6%€827k▲ 453%€126k▼ 84.8%€358k▲ 184%€434k▲ 21.1%
Working capital€445k▲ 61.6%€-32k€254k€75k▼ 70.6%€-166k
Solvency76.0%▲ 11.1pp4.9%▼ 71.1pp70.3%▲ 65.4pp26.1%▼ 44.3pp22.6%▼ 3.5pp
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 falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€308k ▲ 299%
Current assets
€252k ▼ 38.2%
Equity and liabilities €560k
Equity
€126k =
Debt
€434k ▲ 21.1%
Debt's share of the balance-sheet total rises from 73.9% to 77.4%. Debt is higher.
Key figures and ratios
ROE
220.1%▼
2024 · 282.9%
ROA
49.6%▼
2024 · 73.8%
Debt ≤ 1 year
€418k▲
2024 · €333k
Debt > 1 year
€15k▼
2024 · €26k
Income taxes
€102k▼
2024 · €124k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19k | €27k | €30k | €18k | €21k | ▲ 21.6% |
| Other operating charges640/8 | €651 | €1k | €729 | €3k | €1k | ▼ 51.7% |
| Gross operating margin9900 | €211k | €269k | €355k | €499k | €398k | ▼ 20.2% |
| Operating profit (loss)9901 | €191k | €241k | €325k | €479k | €376k | ▼ 21.5% |
| Financial income75/76B | €16k | €23k | €18k | €7k | €6k | ▼ 11.9% |
| Recurring financial income75 | €15k | €23k | €18k | €7k | €6k | ▼ 11.9% |
| Non-recurring financial income76B | €582 | - | - | - | - | - |
| Financial charges65/66B | €1k | €7k | €680 | €4k | €2k | ▼ 54.2% |
| Recurring financial charges65 | €1k | €7k | €680 | €4k | €2k | ▼ 54.2% |
| Profit (loss) for the period before taxes9903 | €206k | €257k | €342k | €481k | €380k | ▼ 21.1% |
| Income taxes67/77 | €47k | €62k | €86k | €124k | €102k | ▼ 17.9% |
| Profit (loss) for the period9904 | €159k | €195k | €256k | €357k | €278k | ▼ 22.2% |
| Transfer to tax-exempt reserves689 | - | - | €126k | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €159k | €195k | €130k | €357k | €278k | ▼ 22.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €623k | €870k | €425k | €484k | €560k | ▲ 15.6% |
| Fixed assets21/28 | €48k | €75k | €45k | €77k | €308k | ▲ 299% |
| Tangible fixed assets22/27 | €38k | €65k | €35k | €67k | €46k | ▼ 31.7% |
| Plant, machinery and equipment23 | €496 | €1k | €610 | €3k | €2k | ▼ 49.9% |
| Furniture and vehicles24 | €38k | €64k | €35k | €64k | €44k | ▼ 30.7% |
| Financial fixed assets28 | €10k | €10k | €10k | €10k | €262k | ▲ 2,521% |
| Current assets29/58 | €574k | €795k | €380k | €407k | €252k | ▼ 38.2% |
| Amounts receivable after more than one year29 | €526k | €526k | €156k | €0 | - | - |
| Other amounts receivable291 | €526k | €526k | €156k | €0 | - | - |
| Amounts receivable within one year40/41 | €43k | €261k | €213k | €401k | €202k | ▼ 49.6% |
| Trade receivables40 | €39k | €36k | €204k | €398k | €201k | ▼ 49.5% |
| Other amounts receivable41 | €4k | €226k | €9k | €3k | €893 | ▼ 65.8% |
| Cash at bank and in hand54/58 | €3k | €5k | €9k | €2k | €12k | ▲ 445% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €4k | €38k | ▲ 835% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €623k | €870k | €425k | €484k | €560k | ▲ 15.6% |
| Equity10/15 | €473k | €43k | €299k | €126k | €126k | = |
| Contributions10/11 | €19k | €19k | €19k | €1 | €1 | = |
| Reserves13 | €455k | €24k | €280k | €126k | €126k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | €126k | €126k | €126k | = |
| Distributable reserves133 | €453k | €23k | €154k | €0 | - | - |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €149k | €827k | €126k | €358k | €434k | ▲ 21.1% |
| Amounts payable after more than one year17 | €20k | - | - | €26k | €15k | ▼ 40.0% |
| Financial debts170/4 | €20k | - | - | €26k | €15k | ▼ 40.0% |
| Amounts payable within one year42/48 | €129k | €827k | €126k | €333k | €418k | ▲ 25.8% |
| Current portion of amounts payable after more than one year42 | €20k | €20k | €0 | €10k | €10k | = |
| Financial debts43 | €4k | €3k | €0 | €10k | €10k | = |
| Credit institutions430/8 | €4k | €3k | €0 | €10k | €10k | = |
| Trade debts44 | €5k | €5k | €10k | €10k | €8k | ▼ 16.7% |
| Suppliers440/4 | €5k | €5k | €10k | €10k | €8k | ▼ 16.7% |
| Taxes, remuneration and social security45 | €89k | €180k | €56k | €142k | €128k | ▼ 9.6% |
| Taxes450/3 | €89k | €180k | €56k | €142k | €128k | ▼ 9.6% |
| Other amounts payable47/48 | €10k | €618k | €60k | €160k | €261k | ▲ 63.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €159k | €195k | €256k | €357k | €278k | ▼ 22.2% |
| + Depreciation and write-downs630 | €19k | €27k | €30k | €18k | €21k | ▲ 21.6% |
| Operating cash flow (approximation) | €178k | €222k | €285k | €375k | €299k | ▼ 20.2% |
| Investment in fixed assets (approximation) | - | €-53k | €0 | €-50k | €-252k | ▼ 408% |
| Change in cash | - | €3k | €3k | €-6k | €10k | ▲ 250% |
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
Next filing, fiscal year 2026, expected by
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €357k ▲39.6%
Operating result €479k, net result €357k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.01
Current ratio from 0.96 to 3.01; short-term debt falls from €827k to €126k.
31-12
Financial
Equity above €200kEq €299k ▲595%
5 profitable years in a row build equity to €299k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €141k ▼20.2%
Net result drops to €141k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €302k ▲87.4%
2 profitable years in a row build equity to €302k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Wielsbeke · 1 establishment unit since 2018
Ground area
1,292 m²
Building footprint
224 m²
Volume, LiDAR
1,418 m³
Parcel 37009B0107/00H002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Famber
since 20182.275.368.095
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37009B0107/00H002 | Flanders | 1,292 m² | 1 · 224 m² | 10.3 m · 2 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 24,730 companies in sector 64210 we hold annual accounts for 19,766. 12,907 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
Founded23-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70100Activities of head offices
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.