FAMI-CONSTRUCT
ActiveSummary
FAMI-CONSTRUCT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €237k and a net result of €19k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 1290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability62▼-3
Solvency40▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity tight (current ratio 1.03 against 1.04 in 2023; short-term debt: 71.6% and cash: 14.5% of total assets), and 85.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1290 sector peers (2024).
NBB · sector comparisonPosition among 1290 sector peers
Solvency
better than 25%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-12-2025, 152 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
152 d late
2023
150 d late
2022
71 d late
2021
107 d late
2020
54 d early
2019
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▲ 3.1%
2023 · €18k
2018: €6klowest in 7 years
2019: €54k▲ +770% vs 2018
2020: €62k▲ +15.3% vs 2019highest in 7 years
2021: €55k▼ -11.7% vs 2020
2022: €44k▼ -19.5% vs 2021
2023: €18k▼ -58.6% vs 2022
2024: €19k▲ +3.1% vs 2023
2018 → 2024
Working capital
€33k▼ 27.0%
2023 · €45k
2018: €30klowest in 7 years
2019: €86k▲ +185% vs 2018
2020: €74k▼ -14.8% vs 2019
2021: €123k▲ +67.4% vs 2020highest in 7 years
2022: €78k▼ -36.3% vs 2021
2023: €45k▼ -42.3% vs 2022
2024: €33k▼ -27.0% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€100k-€155k▲ 54.8%€200k▲ 28.5%€218k▲ 9.2%€237k▲ 8.7%
2020: €100klowest in 5 years
2021: €155k▲ +54.8% vs 2020
2022: €200k▲ +28.5% vs 2021
2023: €218k▲ +9.2% vs 2022
2024: €237k▲ +8.7% vs 2023highest in 5 years
Operating result€78k-€100k▲ 28.0%€53k▼ 46.4%€40k▼ 25.7%€45k▲ 12.3%
2020: €78k
2021: €100k▲ +28.0% vs 2020highest in 5 years
2022: €53k▼ -46.4% vs 2021
2023: €40k▼ -25.7% vs 2022lowest in 5 years
2024: €45k▲ +12.3% vs 2023
Net result€62k-€55k▼ 11.7%€44k▼ 19.5%€18k▼ 58.6%€19k▲ 3.1%
2020: €62khighest in 5 years
2021: €55k▼ -11.7% vs 2020
2022: €44k▼ -19.5% vs 2021
2023: €18k▼ -58.6% vs 2022lowest in 5 years
2024: €19k▲ +3.1% vs 2023
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 12% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.63M
Fixed assets
€430k ▲ 15.4%
Current assets
€1.20M ▼ 5.4%
Equity and liabilities €1.63M
Equity
€237k ▲ 8.7%
Debt
€1.39M ▼ 2.1%
Debt's share of the balance-sheet total falls from 86.7% to 85.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▲
2023 · €87k
Cash flow
€79k▲
2023 · €66k
Current ratio
1.03▼
2023 · 1.04
Quick ratio
0.59▲
2023 · 0.54
Debt to equity
5.87▼
2023 · 6.52
ROE
8.0%▼
2023 · 8.4%
ROA
1.2%▲
2023 · 1.1%
Interest coverage
4.97▼
2023 · 5.39
Debt ≤ 1 year
€1.17M▼
2023 · €1.22M
Debt > 1 year
€226k▲
2023 · €199k
Income taxes
€5k▼
2023 · €5k
Staff costs
€181k▼
2023 · €254k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.64M€1.63M▼
Fixed assets21/28€372k€430k▲
Tangible fixed assets22/27€350k€407k▲
Plant, machinery and equipment23€39k€43k▲
Furniture and vehicles24€10k€5k▼
Leasing and similar rights25€301k€359k▲
Financial fixed assets28€23k€23k=
Current assets29/58€1.27M€1.20M▼
Stocks and contracts in progress3€609k€509k▼
Contracts in progress37€609k€509k▼
Amounts receivable within one year40/41€470k€421k▼
Trade receivables40€276k€236k▼
Other amounts receivable41€193k€185k▼
Cash at bank and in hand54/58€171k€235k▲
Deferred charges and accrued income490/1€18k€34k▲
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.63M▼
Equity10/15€218k€237k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Other1319€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€210k€229k▲
Amounts payable17/49€1.42M€1.39M▼
Amounts payable after more than one year17€199k€226k▲
Financial debts170/4€199k€226k▲
Amounts payable within one year42/48€1.22M€1.17M▼
Current portion of amounts payable after more than one year42€65k€80k▲
Trade debts44€1.11M€1.04M▼
Suppliers440/4€1.11M€1.04M▼
Taxes, remuneration and social security45€21k€21k▲
Taxes450/3€11k€11k▼
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€26k€26k=
Income statement
Code20232024
Remuneration, social security and pensions62€254k€181k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€60k▲
Other operating charges640/8€8k€19k▲
Non-recurring operating charges66A€31k-
Gross operating margin9900€379k€305k▼
Operating profit (loss)9901€40k€45k▲
Financial income75/76B€166€526▲
Recurring financial income75€166€526▲
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€24k€24k▲
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€18k€19k▲
Profit (loss) for the period to be appropriated9905€18k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€210k€229k▲
Profit (loss) brought forward from the previous period14P€192k€210k▲
Social balance
Average headcount (FTE)90875.86.0▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €97k | €180k | €254k | €181k | ▼ 28.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €6k | €33k | €47k | €60k | ▲ 26.9% |
| Other operating charges640/8 | - | €14k | €13k | €8k | €19k | ▲ 140% |
| Non-recurring operating charges66A | - | - | - | €31k | - | - |
| Gross operating margin9900 | €151k | €217k | €280k | €379k | €305k | ▼ 19.5% |
| Operating profit (loss)9901 | €78k | €100k | €53k | €40k | €45k | ▲ 12.3% |
| Financial income75/76B | - | €74 | €514 | €166 | €526 | ▲ 216% |
| Recurring financial income75 | €72 | €74 | €514 | €166 | €526 | ▲ 216% |
| Financial charges65/66B | - | €14k | €9k | €16k | €21k | ▲ 30.4% |
| Recurring financial charges65 | €3k | €14k | €9k | €16k | €21k | ▲ 30.4% |
| Profit (loss) for the period before taxes9903 | €78k | €86k | €45k | €24k | €24k | ▲ 1.4% |
| Income taxes67/77 | €15k | €31k | €804 | €5k | €5k | ▼ 4.6% |
| Profit (loss) for the period9904 | €62k | €55k | €44k | €18k | €19k | ▲ 3.1% |
| Profit (loss) for the period to be appropriated9905 | €62k | €55k | €44k | €18k | €19k | ▲ 3.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €441k | €797k | €1.28M | €1.64M | €1.63M | ▼ 0.7% |
| Fixed assets21/28 | €27k | €32k | €261k | €372k | €430k | ▲ 15.4% |
| Tangible fixed assets22/27 | €17k | €20k | €249k | €350k | €407k | ▲ 16.5% |
| Plant, machinery and equipment23 | - | €9k | €18k | €39k | €43k | ▲ 10.5% |
| Furniture and vehicles24 | - | €10k | €21k | €10k | €5k | ▼ 49.5% |
| Leasing and similar rights25 | - | - | €209k | €301k | €359k | ▲ 19.4% |
| Other tangible fixed assets26 | - | €406 | €203 | - | - | - |
| Financial fixed assets28 | €10k | €12k | €12k | €23k | €23k | = |
| Current assets29/58 | €414k | €765k | €1.02M | €1.27M | €1.20M | ▼ 5.4% |
| Stocks and contracts in progress3 | €48k | - | €410k | €609k | €509k | ▼ 16.4% |
| Contracts in progress37 | - | - | €410k | €609k | €509k | ▼ 16.4% |
| Amounts receivable within one year40/41 | €333k | €541k | €488k | €470k | €421k | ▼ 10.4% |
| Trade receivables40 | - | €360k | €352k | €276k | €236k | ▼ 14.6% |
| Other amounts receivable41 | - | €181k | €137k | €193k | €185k | ▼ 4.5% |
| Current investments50/53 | - | €221k | - | - | - | - |
| Cash at bank and in hand54/58 | €33k | - | €104k | €171k | €235k | ▲ 38.0% |
| Deferred charges and accrued income490/1 | - | €4k | €16k | €18k | €34k | ▲ 89.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €441k | €797k | €1.28M | €1.64M | €1.63M | ▼ 0.7% |
| Equity10/15 | €100k | €155k | €200k | €218k | €237k | ▲ 8.7% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Other1319 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | - | - | - | €2k | - |
| Profit (loss) carried forward14 | €92k | €147k | €192k | €210k | €229k | ▲ 9.0% |
| Amounts payable17/49 | €341k | €642k | €1.08M | €1.42M | €1.39M | ▼ 2.1% |
| Amounts payable after more than one year17 | - | - | €138k | €199k | €226k | ▲ 13.2% |
| Financial debts170/4 | - | - | €138k | €199k | €226k | ▲ 13.2% |
| Amounts payable within one year42/48 | €341k | €642k | €939k | €1.22M | €1.17M | ▼ 4.6% |
| Current portion of amounts payable after more than one year42 | - | - | €44k | €65k | €80k | ▲ 23.7% |
| Trade debts44 | €306k | €534k | €843k | €1.11M | €1.04M | ▼ 6.4% |
| Suppliers440/4 | - | €534k | €843k | €1.11M | €1.04M | ▼ 6.4% |
| Taxes, remuneration and social security45 | - | €72k | €24k | €21k | €21k | ▲ 0.4% |
| Taxes450/3 | - | €65k | €7k | €11k | €11k | ▼ 1.3% |
| Remuneration and social security454/9 | - | €7k | €17k | €10k | €10k | ▲ 2.4% |
| Other amounts payable47/48 | - | €35k | €29k | €26k | €26k | = |
| Accrued charges and deferred income492/3 | - | - | €932 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62k | €55k | €44k | €18k | €19k | ▲ 3.1% |
| + Depreciation and write-downs630 | €10k | €6k | €33k | €47k | €60k | ▲ 26.9% |
| Operating cash flow (approximation) | €72k | €61k | €78k | €66k | €79k | ▲ 20.3% |
| Investment in fixed assets (approximation) | - | €-11k | €-262k | €-159k | €-118k | ▲ 26.0% |
| Change in cash | - | - | - | €67k | €65k | ▼ 2.9% |
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
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 152 days late
2024
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 150 days late
2023
31-12
Financial
Equity above €200kEq €218k ▲9.2%
6 profitable years in a row build equity to €218k.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 71 days late
2022
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 107 days late
2021
31-12
Financial
Equity above €150kEq €155k ▲54.8%
4 profitable years in a row build equity to €155k.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €62k ▲15.3%
Net result €62k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
31-12
Financial
Equity above €100kEq €108k ▲100%
2 profitable years in a row build equity to €108k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
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
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Grâce-Hollogne · 1 establishment unit since 2010
Ground area
2,173 m²
Building footprint
250 m²
Volume, LiDAR
1,499 m³
Parcel 62046A0547/00A000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Fami-Construct
since 20102.196.691.296
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62046A0547/00A000 | Wallonia | 2,173 m² | 1 · 250 m² | 8.2 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.
Recognitions · licences · registrations
Recognised contractor
15 categoriesFAMI-CONSTRUCT SRL41939
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BE TO B
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EXCLUSIVE HOME CONSTRUCT
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 11,662 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
Founded30-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
E-mail
sprl.famiconstruct@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.