Famiroga
ActiveSummary
Famiroga has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €74k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency57▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.43 in 2024; short-term debt: 68.2% and cash: 29.3% of total assets), and 68.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.8%
Return on assets
30.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-03-2026, 151 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
151 d early
2024
55 d early
2023
51 d early
2022
41 d early
2021
29 d early
2020
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 20.1%
2024 · €98k
2020: €31klowest in 6 years
2021: €54k▲ +74.7% vs 2020
2022: €123k▲ +129% vs 2021highest in 6 years
2023: €98k▼ -20.4% vs 2022
2024: €98k● 0.0% vs 2023
2025: €78k▼ -20.1% vs 2024
2020 → 2025
Total assets
€245k▲ 10.1%
2024 · €222k
2020: €135k
2021: €132k▼ -2.1% vs 2020lowest in 6 years
2022: €210k▲ +58.4% vs 2021
2023: €229k▲ +9.2% vs 2022
2024: €222k▼ -2.8% vs 2023
2025: €245k▲ +10.1% vs 2024highest in 6 years
2020 → 2025
Net result
€74k▼ 18.0%
2024 · €91k
2020: €26k
2021: €23k▼ -10.7% vs 2020lowest in 6 years
2022: €84k▲ +266% vs 2021
2023: €74k▼ -12.0% vs 2022
2024: €91k▲ +22.7% vs 2023highest in 6 years
2025: €74k▼ -18.0% vs 2024
2020 → 2025
Working capital
€-81k▼ 18.7%
2024 · €-68k
2020: €-21k
2021: €-22k▼ -3.8% vs 2020
2022: €-19k▲ +14.1% vs 2021highest in 6 years
2023: €-66k▼ -256% vs 2022
2024: €-68k▼ -2.3% vs 2023
2025: €-81k▼ -18.7% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€123k▲ 129%€98k▼ 20.4%€98k=€78k▼ 20.1%
2021: €54klowest in 5 years
2022: €123k▲ +129% vs 2021highest in 5 years
2023: €98k▼ -20.4% vs 2022
2024: €98k● 0.0% vs 2023
2025: €78k▼ -20.1% vs 2024
Operating result€35k-€80k▲ 130%€100k▲ 25.5%€123k▲ 22.5%€101k▼ 18.1%
2021: €35klowest in 5 years
2022: €80k▲ +130% vs 2021
2023: €100k▲ +25.5% vs 2022
2024: €123k▲ +22.5% vs 2023highest in 5 years
2025: €101k▼ -18.1% vs 2024
Net result€23k-€84k▲ 266%€74k▼ 12.0%€91k▲ 22.7%€74k▼ 18.0%
2021: €23klowest in 5 years
2022: €84k▲ +266% vs 2021
2023: €74k▼ -12.0% vs 2022
2024: €91k▲ +22.7% vs 2023highest in 5 years
2025: €74k▼ -18.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€158k ▼ 7.4%
Current assets
€86k ▲ 68.8%
Equity and liabilities €245k
Equity
€78k ▼ 20.1%
Debt
€167k ▲ 33.7%
Debt's share of the balance-sheet total rises from 56.2% to 68.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€110k▼
2024 · €133k
Cash flow
€84k▼
2024 · €101k
Current ratio
0.52▲
2024 · 0.43
Debt to equity
2.14▲
2024 · 1.28
ROE
95.4%▲
2024 · 92.9%
ROA
30.3%▼
2024 · 40.7%
Interest coverage
272.98▲
2024 · 173.30
Debt ≤ 1 year
€167k▲
2024 · €119k
Income taxes
€26k▼
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€222k€245k▲
Fixed assets21/28€171k€158k▼
Tangible fixed assets22/27€21k€8k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€19k€7k▼
Financial fixed assets28€150k€150k=
Current assets29/58€51k€86k▲
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40-€15k
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€49k€72k▲
Equity and liabilities
Total equity and liabilities10/49€222k€245k▲
Equity10/15€98k€78k▼
Contributions10/11€5k€5k=
Reserves13€93k€73k▼
Distributable reserves133€93k€73k▼
Amounts payable17/49€125k€167k▲
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€119k€167k▲
Current portion of amounts payable after more than one year42€8k€6k▼
Trade debts44€831€336▼
Suppliers440/4€831€336▼
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€108k€154k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€137k€114k▼
Operating profit (loss)9901€123k€101k▼
Financial income75/76B-€44
Recurring financial income75-€44
Financial charges65/66B€768€403▼
Recurring financial charges65€768€403▼
Profit (loss) for the period before taxes9903€122k€100k▼
Income taxes67/77€32k€26k▼
Profit (loss) for the period9904€91k€74k▼
Profit (loss) for the period to be appropriated9905€91k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€74k▼
Transfer from equity791/2-€20k
Profit to be distributed694/7€91k€94k▲
Return on contributions (dividend)694€91k€94k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €4k | €10k | €10k | €9k | ▼ 7.3% |
| Other operating charges640/8 | €2k | €4k | €4k | €4k | €4k | ▲ 6.8% |
| Gross operating margin9900 | €38k | €88k | €114k | €137k | €114k | ▼ 16.7% |
| Operating profit (loss)9901 | €35k | €80k | €100k | €123k | €101k | ▼ 18.1% |
| Financial income75/76B | - | €30k | €0 | - | €44 | - |
| Recurring financial income75 | - | €30k | €0 | - | €44 | - |
| Financial charges65/66B | €544 | €801 | €1k | €768 | €403 | ▼ 47.5% |
| Recurring financial charges65 | €544 | €801 | €1k | €768 | €403 | ▼ 47.5% |
| Profit (loss) for the period before taxes9903 | €34k | €109k | €99k | €122k | €100k | ▼ 17.9% |
| Income taxes67/77 | €11k | €25k | €25k | €32k | €26k | ▼ 17.8% |
| Profit (loss) for the period9904 | €23k | €84k | €74k | €91k | €74k | ▼ 18.0% |
| Profit (loss) for the period to be appropriated9905 | €23k | €84k | €74k | €91k | €74k | ▼ 18.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132k | €210k | €229k | €222k | €245k | ▲ 10.1% |
| Fixed assets21/28 | €124k | €186k | €177k | €171k | €158k | ▼ 7.4% |
| Tangible fixed assets22/27 | €4k | €36k | €27k | €21k | €8k | ▼ 60.0% |
| Plant, machinery and equipment23 | €1k | €4k | €3k | €2k | €2k | ▼ 29.5% |
| Furniture and vehicles24 | €2k | €32k | €24k | €19k | €7k | ▼ 63.5% |
| Financial fixed assets28 | €120k | €150k | €150k | €150k | €150k | = |
| Current assets29/58 | €9k | €24k | €52k | €51k | €86k | ▲ 68.8% |
| Amounts receivable within one year40/41 | €8k | €705 | €2k | €2k | €15k | ▲ 645% |
| Trade receivables40 | €8k | - | €900 | - | €15k | - |
| Other amounts receivable41 | - | €705 | €2k | €2k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €1k | €23k | €49k | €49k | €72k | ▲ 45.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132k | €210k | €229k | €222k | €245k | ▲ 10.1% |
| Equity10/15 | €54k | €123k | €98k | €98k | €78k | ▼ 20.1% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €49k | €118k | €93k | €93k | €73k | ▼ 21.2% |
| Distributable reserves133 | €49k | €118k | €93k | €93k | €73k | ▼ 21.2% |
| Amounts payable17/49 | €79k | €87k | €131k | €125k | €167k | ▲ 33.7% |
| Amounts payable after more than one year17 | €48k | €45k | €13k | €6k | - | - |
| Financial debts170/4 | €48k | €45k | €13k | €6k | - | - |
| Amounts payable within one year42/48 | €30k | €42k | €118k | €119k | €167k | ▲ 40.2% |
| Current portion of amounts payable after more than one year42 | €24k | €31k | €32k | €8k | €6k | ▼ 22.4% |
| Trade debts44 | €735 | €156 | €380 | €831 | €336 | ▼ 59.6% |
| Suppliers440/4 | €735 | €156 | €380 | €831 | €336 | ▼ 59.6% |
| Taxes, remuneration and social security45 | €6k | €4k | €868 | €3k | €7k | ▲ 114% |
| Taxes450/3 | €5k | €4k | €868 | €3k | €7k | ▲ 114% |
| Remuneration and social security454/9 | €800 | - | - | - | - | - |
| Other amounts payable47/48 | €16 | €7k | €85k | €108k | €154k | ▲ 43.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €84k | €74k | €91k | €74k | ▼ 18.0% |
| + Depreciation and write-downs630 | €1k | €4k | €10k | €10k | €9k | ▼ 7.3% |
| Operating cash flow (approximation) | €24k | €88k | €84k | €101k | €84k | ▼ 16.9% |
| Investment in fixed assets (approximation) | - | €-66k | €-1k | €-4k | €3k | ▲ 184% |
| Change in cash | - | €22k | €26k | €55 | €22k | ▲ 41,062% |
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
Next filing, fiscal year 2026, expected by
2026
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €91k ▲22.7%
Operating result €123k, net result €91k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €123k ▲129%
3 profitable years in a row build equity to €123k.
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €23k ▼10.7%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Stavelot · 1 establishment unit since 2019
Ground area
817 m²
Building footprint
120 m²
Volume, LiDAR
670 m³
Parcel 63073B2425/00V002, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Famiroga
since 20192.296.512.612
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63073B2425/00V002 | Wallonia | 817 m² | 1 · 120 m² | 7.3 m · 2 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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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,346 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.