FAMINVEST SA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FAMINVEST SA is 0.2% (very low). The 2025 annual accounts show equity of €12.19M and a net result of €329k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 81% of 1339 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 81% of 1339 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 9 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	30-03-2026	31 d early	2026-00069076
30-09-2024	30-04-2025	18-04-2025	12 d early	2025-00072985
30-09-2023	30-04-2024	25-04-2024	5 d early	2024-00073013
30-09-2022	30-04-2023	27-04-2023	3 d early	2023-00068686
30-09-2021	30-04-2022	29-04-2022	1 d early	2022-20020684
30-09-2020	30-04-2021	27-04-2021	3 d early	2021-11500350
30-09-2019	30-04-2020	29-05-2020	29 d late	2020-13600122
30-09-2018	30-04-2019	27-05-2019	27 d late	2019-14600144
30-09-2017	30-04-2018	28-03-2018	33 d early	2018-08400524

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: healthy financial profile −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€329k-25.8%

Working capital€10.51M-8.8%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 8 fiscal years (±1.6%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	72.8%	22.9%	better than 81% of 1339 sector peers
Net result	€329k	€10k	better than 95% of 1337 sector peers
Equity	€12.19M	€44k	better than 95% of 1340 sector peers
Gross operating margin	€416k	€39k	better than 95% of 1337 sector peers
Staff costs	€68k	€18k	higher than 84% of 187 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P81

Stable position over 2020-2025 · n=859-4950

Net result P95

Stable position over 2020-2025 · n=858-4942

Equity P95

Stable position over 2020-2025 · n=859-4953

Gross operating margin P95

Stable position over 2020-2025 · n=858-4936

Describes the position versus peers, not a forecast.

EBITDA

€58k

-81.9% 18-25

Net profit

€329k

-25.8% 18-25

Cash flow

€338k

-24.4% 18-25

Total assets

€16.75M

+3.2% 18-25

Equity

€12.19M

+2.8% 18-25

Working capital

€10.51M

-8.8% 18-25

Employees (FTE)

1

0.0% 18-25

Staff costs

€68k

+33.1% 18-25

Income taxes

€111k

-25.5% 18-25

Debt

€4.56M

+4.4% 18-25

Debt ≤ 1y

€4.41M

+4.5% 18-25

Current ratio

3.38

-9.3% 18-25

Quick ratio

3.38

-9.3% 18-25

Solvency

72.8%

-0.4% 18-25

Debt / equity

0.37

+1.6% 18-25

ROE

2.7%

-27.8% 18-25

ROA

2.0%

-28.1% 18-25

Interest coverage

0.20

-85.2% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€58k
Net profit	€329k
Cash flow	€338k
Staff costs	€68k
Income taxes	€111k
Dividends	-
Total assets	€16.75M
Equity	€12.19M
Debt	€4.56M
of which ≤ 1y	€4.41M
of which > 1y	-
Working capital	€10.51M
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	3.38
Quick ratio	3.38
Working capital ratio	62.8%
Solvency	72.8%
Debt / equity	0.37
Long-term debt ratio	-
Interest coverage	0.20
Gross margin	-
Net margin	-
ROA	2.0%
ROE	2.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1.83M · 10.9% Current assets €14.92M · 89.1%

Equity & liabilities

Equity €12.19M · 72.8% Debt €4.56M · 27.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€16.75M
Fixed assets	21/28	€1.83M
Tangible fixed assets	22/27	€1.83M
Current assets	29/58	€14.92M
Amounts receivable within one year	40/41	€167k
Investments	50/53	€14.62M
Cash & bank	54/58	€131k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€16.75M
Equity	10/15	€12.19M
Contributions / capital	10/11	€643k
Reserves	13	€11.55M
Amounts payable	17/49	€4.56M
Amounts payable within one year	42/48	€4.41M
Trade debts payable within one year	44	€56k
Income statement
Gross operating margin	9900	€416k
Operating result	9901	€48k
Financial income	75	€682k
Financial charges	65	€290k
Result before taxes	9903	€440k
Income taxes	67/77	€111k
Net result for the period	9904	€329k
Result to be appropriated	9905	€329k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

68 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

under verification

Directors derived from a single State Gazette act, under verification

All 4 current directors first appear in the same act (23483674). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

DAISOMONT Alain
Managing director
State Gazette act 23483674 (28-12-2023)

Current
21-12-2023 → present
DAISOMONT Alain Albert Denis Ghislain
Director
State Gazette act 23483674 (28-12-2023)

Current
21-12-2023 → present
DE MEYER Diane
Managing director
State Gazette act 23483674 (28-12-2023)

Current
21-12-2023 → present
DE MEYER Diane Jeanne
Director
State Gazette act 23483674 (28-12-2023)

Current
21-12-2023 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen(68201)
Legal form	Public limited company(014)
Incorporation	30-03-2017
Status	Active
Postal code	4980

Structure & network

Locations & real estate

Registered office

on the map · from the address register

approximate (street level) On OpenStreetMap

Establishment units

1 location

FAMINVEST SA

Chemin de Bergeval 2, 4980 Trois-PontsVermogensbeheer

since 20172.265.794.096

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1.4 ha

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63026B0491/00B000	Wallonia	1.4 ha	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 4 directors appointed Director changes·Jérôme de CALLATAY

DAISOMONT Alain Albert Denis Ghislain, Bestuurder
DE MEYER Diane Jeanne, Bestuurder
DAISOMONT Alain, Gedelegeerd bestuurder
DE MEYER Diane, Gedelegeerd bestuurder

Notary: Jérôme de CALLATAY · Trois-Ponts

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

72 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 68

Profitability 13

Solvency 100

Growth 78

Stability 100

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,138 of the 9,066 companies in this sector. 200 of them are within a factor 10 of this company's equity.

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201

Primary activity highlighted.

Names & trade names

Legal nameFR

FAMINVEST SA

Registered office

Chemin de Bergeval 2

4980 Trois-Ponts, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.