FAMERA
ActiveSummary
FAMERA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €27,358 and a net result of €2,480. Equity is growing by ~46.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 3542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability78▼-22
Solvency100▲+8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 5.89 against 2.74 in 2023; short-term debt: 15.4% and cash: 62.3% of total assets), and 15.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% 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
84.6%
Return on assets
7.7%
Age of the figures
21 mo
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
14 d early
2022
26 d early
2021
2 d late
2020
13 d late
2019
95 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 11 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€27,358▲ 10.0%
2023 · €24,878
Total assets
€32,331▼ 12.6%
2023 · €36,995
Net result
€2,480▼ 86.0%
2023 · €17,728
Working capital
€24,310▲ 17.4%
2023 · €20,699
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
Line20202021202220232024
Operating result-€897€20,487€17,121▼ 16.4%€18,006▲ 5.2%€2,698▼ 85.0%
Net result-€1,151€20,308€16,963▼ 16.5%€17,728▲ 4.5%€2,480▼ 86.0%
Equity-€35,121▼ 3.4%-€14,813▲ 57.8%€2,150€24,878▲ 1,057%€27,358▲ 10.0%
Total assets€36,122▲ 71.0%€25,742▼ 28.7%€17,756▼ 31.0%€36,995▲ 108%€32,331▼ 12.6%
Debt€71,243▲ 29.3%€40,555▼ 43.1%€15,606▼ 61.5%€12,117▼ 22.4%€4,974▼ 59.0%
Working capital-€41,991▼ 22.3%-€20,446▲ 51.3%-€2,432▲ 88.1%€20,699€24,310▲ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 85% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32,331
Fixed assets
€3,047 ▼ 30.8%
Current assets
€29,284 ▼ 10.2%
Equity and liabilities €32,331
Equity
€27,358 ▲ 10.0%
Debt
€4,974 ▼ 59.0%
Debt's share of the balance-sheet total falls from 32.8% to 15.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4,051▼
2023 · €19,097
Cash flow
€3,833▼
2023 · €18,819
Current ratio
5.89▲
2023 · 2.74
Debt to equity
0.18▼
2023 · 0.49
ROE
9.1%▼
2023 · 71.3%
ROA
7.7%▼
2023 · 47.9%
Interest coverage
18.58▼
2023 · 68.67
Debt ≤ 1 year
€4,974▼
2023 · €11,896
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €455 | €1,238 | €1,050 | €1,091 | €1,353 | ▲ 24.0% |
| Other operating charges640/8 | - | €2,594 | €2,954 | €3,452 | €962 | ▼ 72.1% |
| Gross operating margin9900 | €2,115 | €24,319 | €21,125 | €22,549 | €5,013 | ▼ 77.8% |
| Operating profit (loss)9901 | -€897 | €20,487 | €17,121 | €18,006 | €2,698 | ▼ 85.0% |
| Financial income75/76B | - | €52 | €88 | €0 | - | - |
| Recurring financial income75 | - | €52 | €88 | €0 | - | - |
| Financial charges65/66B | - | €231 | €245 | €278 | €218 | ▼ 21.6% |
| Recurring financial charges65 | €253 | €231 | €245 | €278 | €218 | ▼ 21.6% |
| Profit (loss) for the period before taxes9903 | -€1,151 | €20,308 | €16,963 | €17,728 | €2,480 | ▼ 86.0% |
| Profit (loss) for the period9904 | -€1,151 | €20,308 | €16,963 | €17,728 | €2,480 | ▼ 86.0% |
| Profit (loss) for the period to be appropriated9905 | -€1,151 | €20,308 | €16,963 | €17,728 | €2,480 | ▼ 86.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36,122 | €25,742 | €17,756 | €36,995 | €32,331 | ▼ 12.6% |
| Fixed assets21/28 | €6,870 | €5,632 | €4,582 | €4,400 | €3,047 | ▼ 30.8% |
| Tangible fixed assets22/27 | €6,870 | €5,632 | €4,582 | €4,400 | €3,047 | ▼ 30.8% |
| Plant, machinery and equipment23 | - | €2,790 | €2,451 | €2,980 | €2,338 | ▼ 21.5% |
| Furniture and vehicles24 | - | - | - | €0 | €0 | - |
| Other tangible fixed assets26 | - | €2,842 | €2,131 | €1,420 | €709 | ▼ 50.1% |
| Current assets29/58 | €29,251 | €20,109 | €13,174 | €32,594 | €29,284 | ▼ 10.2% |
| Stocks and contracts in progress3 | €5,660 | €1,263 | - | - | - | - |
| Stocks30/36 | - | €1,263 | - | - | - | - |
| Amounts receivable within one year40/41 | €13,068 | €10,496 | €6,731 | €12,016 | €7,749 | ▼ 35.5% |
| Trade receivables40 | - | €9,606 | €6,731 | €11,750 | €7,749 | ▼ 34.1% |
| Other amounts receivable41 | - | €891 | - | €266 | - | - |
| Cash at bank and in hand54/58 | €10,523 | €8,350 | €4,670 | €19,434 | €20,144 | ▲ 3.7% |
| Deferred charges and accrued income490/1 | - | - | €1,773 | €1,145 | €1,392 | ▲ 21.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36,122 | €25,742 | €17,756 | €36,995 | €32,331 | ▼ 12.6% |
| Equity10/15 | -€35,121 | -€14,813 | €2,150 | €24,878 | €27,358 | ▲ 10.0% |
| Contributions10/11 | €20,400 | €20,400 | €20,400 | €25,400 | €25,400 | = |
| Capital10 | - | €20,400 | - | - | - | - |
| Issued capital100 | - | €25,400 | - | - | - | - |
| Uncalled capital101 | - | €5,000 | - | - | - | - |
| Outside capital11 | - | - | €20,400 | - | - | - |
| Other1109/19 | - | - | €20,400 | - | - | - |
| Profit (loss) carried forward14 | -€55,521 | -€35,213 | -€18,250 | -€522 | €1,958 | ▲ 475% |
| Amounts payable17/49 | €71,243 | €40,555 | €15,606 | €12,117 | €4,974 | ▼ 59.0% |
| Amounts payable within one year42/48 | €71,243 | €40,555 | €15,606 | €11,896 | €4,974 | ▼ 58.2% |
| Trade debts44 | €2,293 | €1,925 | €310 | €650 | - | - |
| Suppliers440/4 | - | €1,925 | €310 | €650 | - | - |
| Taxes, remuneration and social security45 | - | €2,543 | €759 | €1,708 | €1,942 | ▲ 13.7% |
| Taxes450/3 | - | €49 | €759 | €1,708 | €1,942 | ▲ 13.7% |
| Remuneration and social security454/9 | - | €2,493 | - | - | - | - |
| Other amounts payable47/48 | - | €36,087 | €14,538 | €9,538 | €3,031 | ▼ 68.2% |
| Accrued charges and deferred income492/3 | - | - | - | €221 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,151 | €20,308 | €16,963 | €17,728 | €2,480 | ▼ 86.0% |
| + Depreciation and write-downs630 | €455 | €1,238 | €1,050 | €1,091 | €1,353 | ▲ 24.0% |
| Operating cash flow (approximation) | -€696 | €21,546 | €18,014 | €18,819 | €3,833 | ▼ 79.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€909 | €0 | ▲ 100% |
| Change in cash | - | -€2,173 | -€3,680 | €14,764 | €710 | ▼ 95.2% |
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
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 5.89
Current ratio from 2.74 to 5.89; short-term debt falls from €11,896 to €4,974.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 2.74
Current ratio from 0.84 to 2.74; short-term debt falls from €15,606 to €11,896.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Back to profitnet €20,308
Net result €20,308 after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Weakest financial yearnet -€1,151
Net result drops to -€1,151, the lowest in the series; recovery starts the following year.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
2019
10-07
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
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
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, Heusden-Zolder · 1 establishment unit since 2007
Ground area
3,826 m²
Building footprint
907 m²
Volume, LiDAR
3,612 m³
2 parcels, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Famera
since 20072.163.047.441
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1080/00T000 | Flanders | 2,989 m² | 1 · 699 m² | 5.9 m · 1 fl. |
| 71065F0185/00T000 | Flanders | 837 m² | 1 · 208 m² | 5.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 146 EUR awarded · 146 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 146 EUR | 146 EUR |
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Of 7,378 companies in sector 95311 we hold annual accounts for 2,961. 1,797 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
Founded31-05-2007
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0889752591
Also
9925:BE0889752591
Registered
21-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.