FAMILA
ActiveThe computed 12-month bankruptcy probability of FAMILA is 2.1% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-3k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 18040 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+20
Solvency45▼-5
Growth58▼-4
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.06 in 2024; short-term debt: 47.2% and cash: 52.3% of total assets), but 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
19.6%
Return on assets
-3.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 7 filingsDeviation from the deadline
2025
17 d late
2024
23 d late
2023
21 d early
2022
7 d late
2021
59 d late
2020
5 d early
2019
18 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€182k▼ 8.7%
2024 · €199k
2019: €101k
2020: €223k
2021: €195k
2022: €137k
2023: €196k
2024: €199k
2019 → 2025
EBIT margin
-0.1%▲ 10.6pp
2024 · -10.7%
2019: 7.1%
2020: 6.6%
2021: 5.1%
2022: -10.0%
2023: 17.7%
2024: -10.7%
2019 → 2025
Net result
€-3k▲ 85.7%
2024 · €-22k
2019: €7k
2020: €12k
2021: €6k
2022: €-15k
2023: €26k
2024: €-22k
2019 → 2025
Working capital
€40k▲ 6.3%
2024 · €37k
2019: €7k
2020: €19k
2021: €26k
2022: €27k
2023: €50k
2024: €37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€195k-€137k▼ 30.1%€196k▲ 43.9%€199k▲ 1.2%€182k▼ 8.7%
Equity€31k-€15k▼ 49.6%€42k▲ 168%€20k▼ 52.5%€17k▼ 15.8%
Operating result€10k-€-14k€35k€-21k€-258▲ 98.8%
Net result€6k-€-15k€26k€-22k€-3k▲ 85.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €258 in 2025 against €21k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€5k▼ 25.1%
Current assets
€80k▲ 9.8%
Equity and liabilities €85k
Equity
€17k▼ 15.8%
Debt
€68k▲ 14.4%
The debt ratio rises from 75.1% to 80.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1k▲
2024 · €-19k
Cash flow
€-1k▲
2024 · €-20k
Solvency
19.6%▼
2024 · 24.9%
Current ratio
1.99▼
2024 · 2.06
Quick ratio
1.80▲
2024 · 1.52
Debt / equity
4.09▲
2024 · 3.01
ROE
-18.8%▲
2024 · -110.3%
ROA
-3.7%▲
2024 · -27.5%
Interest coverage
0.52▲
2024 · -9.15
Debt
€68k▲
2024 · €59k
Debt ≤ 1 year
€40k▲
2024 · €35k
Debt > 1 year
€28k▲
2024 · €24k
Income taxes
€141▲
2024 · €-2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€79k€85k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€72k€80k▲
Stocks and contracts in progress3€19k€8k▼
Stocks30/36€19k€8k▼
Amounts receivable within one year40/41€21k€28k▲
Trade receivables40€19k€24k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€32k€44k▲
Equity and liabilities
Total equity and liabilities10/49€79k€85k▲
Equity10/15€20k€17k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€12k€9k▼
Amounts payable17/49€59k€68k▲
Amounts payable after more than one year17€24k€28k▲
Financial debts170/4€24k€28k▲
Amounts payable within one year42/48€35k€40k▲
Current portion of amounts payable after more than one year42€5k€6k▲
Trade debts44€10k€8k▼
Suppliers440/4€10k€8k▼
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€8k€5k▼
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€10k€15k▲
Income statement
Code20242025
Turnover70€199k€182k▼
Goods, raw materials, services and sundry goods60/61€218k€181k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€233€343▲
Non-recurring operating charges66A€344-
Gross operating margin9900€-19k€2k▲
Operating profit (loss)9901€-21k€-258▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-23k€-3k▲
Income taxes67/77€-2k€141▲
Profit (loss) for the period9904€-22k€-3k▲
Profit (loss) for the period to be appropriated9905€-22k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€9k▼
Profit (loss) brought forward from the previous period14P€33k€12k▼
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
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Weakest financial yearnet €-22k ▼184%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Châtelet · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Place du Marché 166200 ChâteletGround area
99 m²
Building footprint
65 m²
Volume, LiDAR
817 m³
Parcel 52012A0756/00C000, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FAMILA
since 20192.287.267.225
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A0756/00C000 | Wallonia | 99 m² | 1 · 65 m² | 14.7 m · 4 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 siteChâtelet2.287.267.225
Similar companies · same sector, comparable size
MAHEK
BE 0719.522.937
Antwerpen · Eq €17k
EPI-CERI
BE 0825.215.028
Charleroi · Eq €17k
Fromagerie des Essarts
BE 0788.609.703
Charleroi · Eq €17k
SHOP GURBHAAR
BE 0806.292.308
Heers · Eq €17k
CHANCE
BE 0661.775.966
Liedekerke · Eq €17k
Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2019
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.