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FAMILIA

Active
Private limited companyfounded 2019active for 7 yearsRue Zénobe Gramme 39, 4821 Dison, BelgiumKBO/BCE: BE 0719.307.953
Summary

FAMILIA has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,400 and a net result of €158,040. Equity has been stable since 2019 (±0% per year). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

Source: KBO
Status
Active since 23-01-2019 Normal situation
Registered office
10 active companies are registered at this address Source: KBO register, as of 1 November 2026.
Activity
“L’activité d’agent délégué d’un établissement de crédit,établi en Belgique et agréé par la Commission…” (deed in French)From the articles, 9 activitiesNo NACE code in the KBO yet
Establishment unit
2.287.573.071 4802 Verviers, since 23-01-2019
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • DCL MANAGEMENT SRLDirector · since 20-12-2023 · permanent representative Didier Chantraine
  • Peigneux Thomas JacquesDirector · since 20-12-2023
Shareholders
  • FIBRE2022 annual accounts of FIBRE
  • TWINSURE· score 672025 annual accounts of TWINSURE

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
€255,041
▼ 9.1%
Turnover
≈ €600,000
estimated
Profit
€158,040
▼ 12.3%
Equity
€23,400
=
Total assets
€404,140
▼ 11.4%
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskLast filed accounts filed 31 days late; 2 of the last 3 accounts lateProfit of €158,040 (financial year 2025)lowers riskSize: total assets €404,140No main activity registeredShow the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 42% of micro companies without a NACE code
Financial strength · tick: 2024
Average
Solvency 31+1
equity 5.8% of total assets
Liquidity 13-3
short-term debt 74.7% · cash 3.1%
Profitability 100=
return on assets 39.1%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 1.9% 01-2025: 1.8%▼ -0.1 percentage points vs 12-2024 02-2025: 1.8%● unchanged vs 01-2025 03-2025: 1.8%● unchanged vs 02-2025 04-2025: 1.6%▼ -0.2 percentage points vs 03-2025 05-2025: 1.8%▲ +0.2 percentage points vs 04-2025 06-2025: 2.1%▲ +0.3 percentage points vs 05-2025 07-2025: 2.1%● unchanged vs 06-2025 08-2025: 2.9%▲ +0.8 percentage points vs 07-2025 09-2025: 3.5%▲ +0.6 percentage points vs 08-2025highest value 10-2025: 1.2%▼ -2.3 percentage points vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 0.7%▼ -0.5 percentage points vs 01-2026lowest value 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026 06-2026: 0.9%▲ +0.1 percentage points vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 1.3%▲ +0.4 percentage points vs 07-2026 09-2026: 1.1%▼ -0.2 percentage points vs 08-2026 10-2026: 1.0%▼ -0.1 percentage points vs 09-2026 11-2026: 1.0%● unchanged vs 10-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02 (1.02 in 2024), below the usual 1.5. Short-term debt is 74.7% and cash 3.1% of total assets. 94.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 20% of them on solvency, 10% on liquidity, 90% on profitability and 47% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Size: total assets €404,140
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · No main activity registered
KBO
raises risk · Profit of €158,040 (financial year 2025)
NBB · annual accounts
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filings
Deviation from the deadline
2025
31 days late
2024
31 days late
2023
12 days late
2022
19 days early
2021
25 days early
2020
24 days early
2019
26 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 5 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €158,040 7 years View

Recent changes

  1. · Gazette deed Resignations: FIBRE SRL (director) and Didier Chantraine (director)Appointment: DCL MANAGEMENT SRL (director) · Permanent representative: Didier Chantraine
  2. · Gazette deed Registered office moved from Heusy to DisonChanges of role: FIBRE (director) and Peigneux Thomas Jacques (director) · Appointment: Chantraine Didier Claude (director)
  3. · Gazette deed Incorporation
All 11 events

Key facts about FAMILIA

What is the company number of FAMILIA?
The company number of FAMILIA is 0719.307.953. The VAT number is the same number with BE in front: BE 0719.307.953.
Where is FAMILIA based?
The registered office is at Rue Zénobe Gramme 39, 4821 Dison.Company details
What is the legal form of FAMILIA?
The legal form of FAMILIA is Private limited company (BV).
When was FAMILIA founded?
FAMILIA was founded on 23-01-2019.
Is FAMILIA still active?
Yes, FAMILIA is an active enterprise in the KBO register.
What is the turnover of FAMILIA?
The turnover in financial year 2025 is ≈ €600,000. This figure is estimated from the gross margin of €255,041 and 2,285 comparable companies of the same size. It probably lies between €360,000 and €1.0m. It is a rough estimate.Financials
Is FAMILIA profitable?
In financial year 2025, FAMILIA made a profit of €158,040.
Where can I find the annual accounts of FAMILIA?
FAMILIA filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FAMILIA due?
FAMILIA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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