FAMI-TEX
ActiveSummary
The computed 12-month bankruptcy probability of FAMI-TEX is 4.2% (elevated). The 2024 annual accounts show negative equity (-€15,347) and a net result of -€2,461. Equity is shrinking by ~54.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 6545 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth48▲+26
Track record92
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Age of the figures
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year -€15,347
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-09-2025, 44 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
44 d late
2023
409 d late
2022
775 d late
2021
1140 d late
2020
303 d late
2017
31 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 450 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
History
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Financials · fiscal year 2024, full schema
Turnover
€8,460▲ 145%
2023 · €3,450
EBIT margin
-29.1%▲ 141.9pp
2023 · -171.0%
Net result
-€2,461▲ 58.3%
2023 · -€5,898
Working capital
-€15,447▼ 18.9%
2023 · -€12,986
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€5,052-€6,010▲ 19.0%€6,860▲ 14.1%€3,450▼ 49.7%€8,460▲ 145%
Operating result-€2,152--€6,502▼ 202%-€3,370▲ 48.2%-€5,898▼ 75.0%-€2,461▲ 58.3%
Net result-€2,152below the sector's middle half--€6,502below the sector's middle half▼ 202%-€3,370below the sector's middle half▲ 48.2%-€5,898below the sector's middle half▼ 75.0%-€2,461below the sector's middle half▲ 58.3%
EBIT margin-42.6%--108.2%▼ 65.6pp-49.1%▲ 59.1pp-171.0%▼ 121.8pp-29.1%▲ 141.9pp
Equity-€717below the sector's middle half--€3,619below the sector's middle half▼ 405%-€6,988below the sector's middle half▼ 93.1%-€12,886below the sector's middle half▼ 84.4%-€15,347below the sector's middle half▼ 19.1%
Total assets€6,895below the sector's middle half-€3,098below the sector's middle half▼ 55.1%€1,785below the sector's middle half▼ 42.4%€1,566below the sector's middle half▼ 12.3%€2,838below the sector's middle half▲ 81.2%
Debt€7,612-€6,717▼ 11.8%€8,773▲ 30.6%€14,453▲ 64.7%€18,185▲ 25.8%
Working capital-€3,682below the sector's middle half--€4,674below the sector's middle half▼ 26.9%-€7,088below the sector's middle half▼ 51.7%-€12,986below the sector's middle half▼ 83.2%-€15,447below the sector's middle half▼ 18.9%
Solvency-10.4%below the sector's middle half-
Current ratio0.52below the sector's middle half-
Return on assets (ROA)-31.2%below the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,461 in 2024 against €5,898 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2,838
Fixed assets
€100 =
Current assets
€2,738 ▲ 86.7%
Key figures and ratios
Debt ≤ 1 year
€18,185▲
2023 · €14,453
Ratios withheld: a balance sheet total of €2,838 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.2% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 6,010 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €5,052 | €6,010 | €6,860 | €3,450 | €8,460 | ▲ 145% |
| Goods, raw materials, services and sundry goods60/61 | €10,249 | €10,602 | €19,504 | €12,798 | €10,921 | ▼ 14.7% |
| Remuneration, social security and pensions62 | €0 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €955 | €1,910 | €955 | - | - | - |
| Gross operating margin9900 | -€1,197 | -€4,592 | -€2,415 | -€5,898 | -€2,461 | ▲ 58.3% |
| Operating profit (loss)9901 | -€2,152 | -€6,502 | -€3,370 | -€5,898 | -€2,461 | ▲ 58.3% |
| Profit (loss) for the period before taxes9903 | -€2,152 | -€6,502 | -€3,370 | -€5,898 | -€2,461 | ▲ 58.3% |
| Profit (loss) for the period9904 | -€2,152 | -€6,502 | -€3,370 | -€5,898 | -€2,461 | ▲ 58.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,152 | -€6,502 | -€3,370 | -€5,898 | -€2,461 | ▲ 58.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,895 | €3,098 | €1,785 | €1,566 | €2,838 | ▲ 81.2% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €2,965 | €1,055 | €100 | €100 | €100 | = |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €2,865 | €955 | - | - | - | - |
| Land and buildings22 | €0 | - | - | - | - | - |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €0 | - | - | - | - | - |
| Leasing and similar rights25 | €0 | - | - | - | - | - |
| Other tangible fixed assets26 | €2,865 | €955 | - | - | - | - |
| Assets under construction and advance payments27 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €3,930 | €2,043 | €1,685 | €1,466 | €2,738 | ▲ 86.7% |
| Amounts receivable after more than one year29 | €0 | - | - | - | - | - |
| Trade receivables290 | €0 | - | - | - | - | - |
| Other amounts receivable291 | €0 | - | - | - | - | - |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Stocks30/36 | €0 | - | - | - | - | - |
| Contracts in progress37 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €2,756 | €1,338 | €1,338 | €1,338 | €1,338 | = |
| Trade receivables40 | €0 | - | - | - | - | - |
| Other amounts receivable41 | €2,756 | €1,338 | €1,338 | €1,338 | €1,338 | = |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €1,174 | €705 | €346 | €128 | €1,399 | ▲ 996% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,895 | €3,098 | €1,785 | €1,566 | €2,838 | ▲ 81.2% |
| Equity10/15 | -€717 | -€3,619 | -€6,988 | -€12,886 | -€15,347 | ▼ 19.1% |
| Contributions10/11 | €15,000 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €15,000 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Uncalled capital101 | €3,600 | - | - | - | - | - |
| Outside capital11 | €0 | - | - | - | - | - |
| Share premium1100/10 | €0 | - | - | - | - | - |
| Other1109/19 | €0 | - | - | - | - | - |
| Revaluation surpluses12 | €0 | - | - | - | - | - |
| Reserves13 | €0 | - | - | - | - | - |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Legal reserve130 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Own shares acquired1312 | €0 | - | - | - | - | - |
| Financial assistance1313 | €0 | - | - | - | - | - |
| Other1319 | €0 | - | - | - | - | - |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €0 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€15,717 | -€22,219 | -€25,588 | -€31,486 | -€33,947 | ▼ 7.8% |
| Investment grants15 | €0 | - | - | - | - | - |
| Advance to shareholders on the distribution of net assets19 | €0 | - | - | - | - | - |
| Provisions and deferred taxes16 | €0 | - | - | - | - | - |
| Provisions for liabilities and charges160/5 | €0 | - | - | - | - | - |
| Pensions and similar obligations160 | €0 | - | - | - | - | - |
| Taxes161 | €0 | - | - | - | - | - |
| Major repairs and maintenance162 | €0 | - | - | - | - | - |
| Environmental obligations163 | €0 | - | - | - | - | - |
| Other liabilities and charges164/5 | €0 | - | - | - | - | - |
| Deferred taxes168 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €7,612 | €6,717 | €8,773 | €14,453 | €18,185 | ▲ 25.8% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Trade debts175 | €0 | - | - | - | - | - |
| Advances received on contracts in progress176 | €0 | - | - | - | - | - |
| Other amounts payable178/9 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €7,612 | €6,717 | €8,773 | €14,453 | €18,185 | ▲ 25.8% |
| Current portion of amounts payable after more than one year42 | €2,200 | €2,200 | €2,200 | €2,200 | €2,200 | = |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Other loans439 | €0 | - | - | - | - | - |
| Trade debts44 | €5,412 | €3,214 | €5,270 | €7,750 | €8,482 | ▲ 9.4% |
| Suppliers440/4 | €5,412 | €3,214 | €5,270 | €7,750 | €8,482 | ▲ 9.4% |
| Bills of exchange payable441 | €0 | - | - | - | - | - |
| Advances received on contracts in progress46 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €0 | - | - | - | - | - |
| Taxes450/3 | €0 | - | - | - | - | - |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €0 | €1,303 | €1,303 | €4,503 | €7,503 | ▲ 66.6% |
| Accrued charges and deferred income492/3 | €0 | - | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,152 | -€6,502 | -€3,370 | -€5,898 | -€2,461 | ▲ 58.3% |
| + Depreciation and write-downs630 | €955 | €1,910 | €955 | - | - | - |
| Operating cash flow (approximation) | -€1,197 | -€4,592 | -€2,415 | -€5,898 | -€2,461 | ▲ 58.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€469 | -€358 | -€219 | €1,271 | ▲ 681% |
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
26-09
KBO administration
Strikeout withdrawn
13-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 44 days late
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 409 days late
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 775 days late
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1140 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 303 days late
2021
31-12
Financial
Weakest financial yearnet -€6,502
Net result drops to -€6,502, the lowest in the series; recovery starts the following year.
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
SignalFinancial 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, Sint-Jans-Molenbeek · 1 establishment unit since 2017
Ground area
215 m²
Building footprint
226 m²
Volume, LiDAR
1,027 m³
Parcel 21012F0354/00H002, Brussels · tallest building 11.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GARAGE DE LA SAMBRE
since 20172.263.176.185
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012F0354/00H002 | Brussels | 215 m² | 1 · 226 m² | 11.9 m · 1 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded31-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
47792Retail sale of second-hand clothing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0673711322
Also
9925:BE0673711322
Registered
10-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.