FAMI
ActiveSummary
The computed 12-month bankruptcy probability of FAMI is 7.6% (elevated). The 2025 annual accounts show equity of €6k and a net result of €4k. Its solvency ranks better than 43% 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
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability87
Solvency48
Growth-
Track record67
Bankruptcy probability, 12 months
7.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.21; short-term debt: 77.2% and cash: 73% of total assets), and 77.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€6k
Total assets
€25k
Net result
€4k
Working capital
€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €25k
Fixed assets
€2k
Current assets
€24k
Equity and liabilities €25k
Equity
€6k
Debt
€19k
Debt finances 77.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€5k
Cash flow
€4k
Current ratio
1.21
Quick ratio
1.01
Debt to equity
3.39
ROE
65.1%
ROA
14.8%
Interest coverage
58.68
Debt ≤ 1 year
€19k
Income taxes
€882
Staff costs
€9k
Filed annual accounts As filed with the NBB · 2025 · 34 lines
Balance sheet
Code2025
Assets
Total assets20/58€25k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€691
Furniture and vehicles24€937
Current assets29/58€24k
Stocks and contracts in progress3€4k
Stocks30/36€4k
Amounts receivable within one year40/41€1k
Trade receivables40€1k
Cash at bank and in hand54/58€18k
Equity and liabilities
Total equity and liabilities10/49€25k
Equity10/15€6k
Contributions10/11€2k
Profit (loss) carried forward14€4k
Amounts payable17/49€19k
Amounts payable within one year42/48€19k
Trade debts44€13k
Suppliers440/4€13k
Taxes, remuneration and social security45€5k
Taxes450/3€4k
Remuneration and social security454/9€1k
Other amounts payable47/48€999
Income statement
Code2025
Remuneration, social security and pensions62€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€351
Gross operating margin9900€14k
Operating profit (loss)9901€5k
Financial charges65/66B€86
Recurring financial charges65€86
Profit (loss) for the period before taxes9903€5k
Income taxes67/77€882
Profit (loss) for the period9904€4k
Profit (loss) for the period to be appropriated9905€4k
Appropriation of the result
Profit (loss) to be appropriated9906€4k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 1 establishment unit since 2024
Ground area
243 m²
Building footprint
244 m²
Volume, LiDAR
2,244 m³
Parcel 21304B0141/00K016, Brussels · tallest building 17.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Bergense Steenweg 91, 1070 Anderlecht
since 20242.365.062.908
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0141/00K016 | Brussels | 243 m² | 1 · 244 m² | 17.0 m · 2 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 siteAnderlecht2.365.062.908
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JOCANAS
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,890. 2,953 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
Founded19-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.