@Famili

Active

Private limited companyfounded 20206 yrs activeRue des Anémones 9, 6940 Durbuy, BelgiumKBO/BCE: BE 0753.746.616

The computed 12-month bankruptcy probability of @Famili is 2.5% (moderate). The 2025 annual accounts show equity of €12k and a net result of €-2k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 14% of 7431 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

33 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability36▲+18

Solvency29=

Growth32=

Track record100

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.02 against 0.03 in 2024; short-term debt: 96.1% and cash: 0.3% of total assets), and 96.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

3.9%

Return on assets

-0.6%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7431 sector peers (2025).

NBB · sector comparison

Position among 7431 sector peers

Solvency

better than 14%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-03-2026, 130 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

130 d early

2024

2 d early

2023

29 d late

2022

31 d late

2021

26 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-2k▲ 16.0%

2024 · €-2k

2021: €935 2022: €113 2023: €241 2024: €-2k

2021 → 2025

Working capital

€-294k▼ 0.5%

2024 · €-293k

2021: €-290k 2022: €-290k 2023: €-291k 2024: €-293k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€16k-€16k▲ 0.7%€16k▲ 1.5%€14k▼ 13.4%€12k▼ 13.0%

Operating result€1k-€142▼ 88.7%€306▲ 116%€-2k€-2k▲ 15.9%

Net result€935-€113▼ 87.9%€241▲ 113%€-2k€-2k▲ 16.0%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €2k in 2025 against €2k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €313k

97.9%

Fixed assets €306k▼ 0.2%

Current assets €7k▼ 16.7%

Equity and liabilities €313k

96.1%

Equity €12k▼ 13.0%

Debt €300k=

The debt ratio rises from 95.5% to 96.1%. Equity is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-1k▲

2024 · €-2k

Cash flow

€-1k▲

2024 · €-2k

Solvency

3.9%▼

2024 · 4.5%

Current ratio

0.02▼

2024 · 0.03

Quick ratio

0.02▼

2024 · 0.03

Debt / equity

24.51▲

2024 · 21.30

ROE

-15.0%▲

2024 · -15.5%

ROA

-0.6%▲

2024 · -0.7%

Debt

€300k=

2024 · €300k

Debt ≤ 1 year

€300k=

2024 · €300k

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€314k€313k▼

Fixed assets21/28€307k€306k▼

Tangible fixed assets22/27€683€220▼

Furniture and vehicles24€683€220▼

Financial fixed assets28€306k€306k=

Current assets29/58€8k€7k▼

Amounts receivable within one year40/41€7k€6k▼

Other amounts receivable41€7k€6k▼

Cash at bank and in hand54/58€749€822▲

Equity and liabilities

Total equity and liabilities10/49€314k€313k▼

Equity10/15€14k€12k▼

Contributions10/11€15k€15k=

Reserves13€1k€1k=

Distributable reserves133€1k€1k=

Profit (loss) carried forward14€-2k€-4k▼

Amounts payable17/49€300k€300k=

Amounts payable within one year42/48€300k€300k=

Trade debts44€129€198▲

Suppliers440/4€129€198▲

Other amounts payable47/48€300k€300k=

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€464€464=

Other operating charges640/8€387€66▼

Gross operating margin9900€-1k€-1k▲

Operating profit (loss)9901€-2k€-2k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€2-

Recurring financial charges65€2-

Profit (loss) for the period before taxes9903€-2k€-2k▲

Profit (loss) for the period9904€-2k€-2k▲

Profit (loss) for the period to be appropriated9905€-2k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-2k€-4k▼

Profit (loss) brought forward from the previous period14P€241€-2k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-2k ▼1009%

Net result drops to €-2k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 31 days late

2022

26-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 26 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Durbuy

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.

Rue des Anémones 96940 Durbuy

Ground area

4,843 m²

Building footprint

173 m²

Parcel 83004C0673/00D000, Wallonia. Linked by address, not a title deed.

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
83004C0673/00D000	Wallonia	4,843 m²	1 · 173 m²	-

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.

Similar companies · same sector, comparable size

Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 520 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-09-2020

Fiscal year end31-12

Activities, NACEBEL

41003General construction of other non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.