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Famiroga

Active Private limited companyfounded 2019active for 7 yearsLa Briqueterie 18, 4970 StavelotKBO/BCE: BE 0737.558.603
Famiroga
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €136,721 (2024)
€113,920▼ 16.7%
peak €90,601 (2024)
€74,311▼ 18.0%
peak €122,501 (2022)
€77,907▼ 20.1%
€166,958▲ 33.7%
Board1 name since 2019
1 directorLAMBERT Fanny Delphine Béatrice
Documentsfilings and deeds
02-03-2026151 days before the deadline
2025micro format
Gross margin from €136,721 to €113,920Dividend €93,905Equity from €97,501 to €77,907Debts from €124,908 to €166,958Cash from €49,200 to €71,658

Key points

from the 2025 annual accounts

Equity

€77,907 ▼ 20.1%
97,5012024+74,311Profit-93,905Dividend77,9072025

Famiroga paid out €93,905 in dividends. That is 126% of the 2025 profit.

Turnover

≈ €220,000 estimated

The micro format states no turnover.

Filings

6 annual accounts since 2020
AprilJune31 JulyOctober202020222024

The last five annual accounts were filed 29 to 151 days before the end of the period.

Checked score

93
Excellent
Financially stronger than 41% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

57-12equity 31.8% of total assets
50=short-term debt 68.2% · cash 29.3%
100=return on assets 30.3%

Score breakdown

lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 0.52, cash €71,658
Figures for financial year 2025 (filed on 02-03-2026)
Size: total assets €244,865
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 (NACE 69, micro). It does better than 31% of them on solvency, 30% on liquidity, 82% on profitability and 19% on growth.

The bankruptcy probability was computed on 08-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

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).

Credit verdict

Credit of up to €7,000 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.52 (0.43 in 2024), below 1. Short-term debt is 68.2% and cash 29.3% of total assets. 68.2% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

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

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 0.52, cash €71,658
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 02-03-2026)
NBB · annual accounts
lowers risk · Size: total assets €244,865
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 filings
Deviation from the deadline
2025
151 days early
2024
55 days early
2023
51 days early
2022
41 days early
2021
29 days early
2020
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 55 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed 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 11 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 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

Board and ownership

LF
LAMBERT Fanny Delphine Béatrice
Director, since 08-11-2019
  • LAMBERT Fanny Delphine Béatrice 100 sharesdeed of 13-11-2019

Shares in 1 company, Fiduciaire Thunus et Associés

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0737558603
Incorporation Founding capital of €5,000, 100 shares · Founder: LAMBERT Fanny Delphine Béatrice · Appointment: LAMBERT Fanny Delphine Béatrice (director) · published on 13-11-2019 · Gazette deed
First establishment La Briqueterie 18, Stavelot
All 11 events

Comparable companies

same main activity, similar in size and age
Company
Famiroga Stavelot €244,865 €113,920 31.8% -
BALANCE CARREE Stavelot €242,850 €134,817 57.2% -
BOCODEN Dentergem €244,677 €114,011 53.5% -
Bart Lombaerts Zoersel €241,153 €108,398 60.2% -
Stamiro Tielt €215,373 €122,579 90.8% -
AXWELL Brabant-Wallon Lasne €213,596 €107,056 29.3% 0
DMP CONSULT Le Roeulx €267,948 €101,586 16.4% -

These companies have the same main activity as Famiroga: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €214,000 and €268,000, founded between 2019 and 2020.

Official details

Source: KBO
Status
Active since 08-11-2019Normal situation
Activity
Certified accountants and tax accountantsNACE 69201
Establishment unit
2.296.512.6124970 Stavelot, since 08-11-2019
Financial year end
31 December
Peppol
Reachable since 30-09-2024
Company details

Annual accounts 2025

€113,920▼ 16.7%
€74,311▼ 18.0%
€77,907▼ 20.1%
€244,865▲ 10.1%
Filing
Filed on 02-03-2026, 151 days before the end of the filing period
Financials

Insights on Famiroga

Famiroga files the micro format. That format states no turnover. The gross margin rose from €39,912 in 2020 to €113,920 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 02-03-2026, 151 days before the deadline
€113,920
▼ 16.7%
€100,675
▼ 18.1%
€74,311
▼ 18.0%
-€80,584
▼ €12,705
31.8%
▼ 12.0 percentage points
0.52
▲ 0.09

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €220,000. Estimated: probably between €170,000 and €260,000.

Balance sheet

balance sheet total €244,865 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

31.8%

Higher than 28% of 15,824 companies in 2025.

0.52

Higher than 6% of 15,596 companies in 2025.

30.3%

Higher than 67% of 15,713 companies in 2025.

Famiroga Middle half of the sector 80% of the sector Micro accounts in legal and accounting (NACE 69)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 244,865222,409228,905209,645132,341135,135
21/28 158,490171,234177,263186,088123,713123,990
22/27 8,49021,23427,26336,0883,7133,990
23 1,5432,1873,3054,4231,4471,928
24 6,94719,04723,95831,6642,2662,062
28 150,000150,000150,000150,000120,000120,000
29/58 86,37551,17551,64223,5578,62811,145
40/41 14,7171,9752,4977057,5986,539
40 14,717-900-7,5986,539
41 01,9751,597705--
54/58 71,65849,20049,14522,8521,0304,606
Balance sheet: equity and liabilities
10/49 244,865222,409228,905209,645132,341135,135
10/15 77,90797,50197,501122,50153,56030,654
10/11 5,0005,0005,0005,0005,0005,000
13 72,90792,50192,501117,50148,560-
133 72,90792,50192,501117,50148,560-
14 -----25,654
17/49 166,958124,908131,40487,14478,781104,481
17 -5,85413,40044,94848,44372,430
170/4 -5,85413,40044,94848,44372,430
42/48 166,958119,054118,00342,19530,33832,050
42 5,8547,54631,54831,12823,98723,856
44 3368313801567354
440/4 3368313801567354
45 6,5583,0658684,0305,6002,207
450/3 6,5583,0658684,0304,8002,207
454/9 ----800-
47/48 154,211107,61185,2076,882165,984
Income statement
9900 113,920136,721114,17888,04737,98239,912
630 9,34410,07910,1853,8961,238709
640/8 3,9013,6533,5554,1011,9021,345
9901 100,675122,990100,43980,05034,84137,858
75/76B 44-030,000--
75 44-030,000--
65/66B 4037681,180801544670
65 4037681,180801544670
9903 100,315122,22299,259109,24934,29737,188
67/77 26,00431,62125,40325,30911,39111,534
9904 74,31190,60173,85583,94122,90725,654
9905 74,31190,60173,85583,94122,90725,654
Appropriation of the result
9906 74,31190,60173,85583,94148,56025,654
14P ----25,654-
791/2 19,594-25,00015,000--
691/2 ---83,94148,560-
6921 ---83,94148,560-
694/7 93,90590,60198,85515,000--
694 93,90590,60198,85515,000--
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 02-03-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 02-03-2026 2026-00046527 PDF
31-12-2024 micro format 06-06-2025 2025-00123568 PDF
31-12-2023 micro format 10-06-2024 2024-00118021 PDF
31-12-2022 micro format 20-06-2023 2023-00138232 PDF
31-12-2021 micro format 02-07-2022 2022-20120149 PDF
31-12-2020 micro format 30-07-2021 2021-43500089 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
110,019133,068110,62483,94636,08038,567
83,655100,67984,04087,83624,14526,363
6504,0501,36066,270962124,699
22,4585526,29321,822-3,576-
-80,584-67,878-66,361-18,639-21,710-20,906
31.8%43.8%42.6%58.4%40.5%22.7%
0.520.430.440.560.280.35
2.141.281.350.711.473.41
95.4%92.9%75.7%68.5%42.8%83.7%
30.3%40.7%32.3%40.0%17.3%19.0%
over 100over 10093.74over 10066.31-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€650€4,050€1,360€36,270€962
Financial fixed assets---€30,000-
€9,344€10,079€10,185€3,896€1,238

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Famiroga

The operating result for 2025 is 18% lower than in 2024.

Debt's share of the balance-sheet total rises from 56.2% to 68.2%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, since incorporation
LAMBERT Fanny Delphine Béatrice
Director (not named in the articles)
since 08-11-2019 term without a fixed end
listed in the 2025 annual accounts, filed on 02-03-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
LAMBERT Fanny Delphine Béatrice
Director (not named in the articles)
Board
Mandates as a list
  • LAMBERT Fanny Delphine Béatrice
    • Director (not named in the articles), from 08-11-2019 to date

See the board, name and registered office on a given date →

Control

Founder
LAMBERT Fanny Delphine Béatrice
This company
Famiroga
Equity €77,907
Profit €74,311 in 2025

Capital

Contribution
€5,000
Shares
100
Contribution per share
€50
Equity per share
€779 in 2025
Source
deed of 13-11-2019

Articles of association

deed of 13-11-2019 (in French)
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Si plusieurs majorité qualité expert-comptable inscrite sous-liste membres externes, au moins un membre conseil expert-comptable et au moins…”
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Majorité droits vote détenue par experts-comptables et/ou conseils fiscaux membres Institut, expert-comptable et conseil fiscal inscrit…”
Share issue ruleThe articles set how and by whom new shares are issued.
“Personnes librement cessibles selon loi ou article 9,ou tiers moyennant agrément moitié actionnaires possédant trois quarts des actions…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
27 May at 10:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 13-11-2019 ↗

Network & group

Holdings

own 2025 accounts, the bar shows equity in euros
This companyFamiroga1 holding, 1 country 2025 accounts

Belgium 1 Equity Result

Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.

At the same address

La Briqueterie 18, 4970 Stavelot · 1 other company
LV FisCo
registered office since 27-12-2013 · founded in 2013
 total assets €196,949 (2025)
0543.628.184

Holdings and subsidiaries

1 holding

Holdings 1

Share, source and own figures per holding (1)
Holdings through the years 2020 to 2025
Holdings through the years
Name202020212022202320242025
Fiduciaire Thunus et Associés 20%25%

Source: list of holdings in its own accounts

Connections & network

1 current director
Depth

The network starts from the directors of Famiroga. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

11 events since 2019

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFmicro format · 151 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 55 days before the deadline
2024
Highest result from 2020 to 2025 net €90,601 ▲22.7% The operating result of €122,990 and the net result of €90,601 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0737558603
Annual accounts 2023 filed PDFmicro format · 51 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 41 days before the deadline
2022
Equity above €100,000 equity €122,501 ▲129% With a profit in every financial year since 2020, equity grows to €122,501.
Annual accounts 2021 filed PDFmicro format · 29 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 1 day before the deadline
2019
IncorporationFounding capital of €5,000, 100 shares · Founder: LAMBERT Fanny Delphine Béatrice · Appointment: LAMBERT Fanny Delphine Béatrice (director) · published on 13-11-20197 points ▸

Open the deed in the Belgian Official Gazette

First establishment La Briqueterie 18, Stavelot

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 8 November 2019, Famiroga was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 LAMBERT Fanny Delphine Béatrice has served as director since 2019.3 Total assets went from €135,135 in 2020 to €244,865 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 13-11-2019
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0737.558.603
VAT number
BE 0737.558.603
Peppol ID
0208:0737558603
Other Peppol ID
9925:BE0737558603
Legal form
Private limited company
Status
Active, normal situation
Founded
08-11-2019
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
27 May at 10:00
deed of 13-11-2019 (in French)
Peppol
Reachable since 30-09-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
Famiroga in French
Entity type
Legal entity

Activities

NACEBEL 2025
69201 Certified accountants and tax accountants main activity
Codes under NACEBEL 2008
69201 Accountants main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“La prestation de services juridiques en rapport avec les activités d’expert-comptable ou de conseil fiscal; La fourniture…”
12 activities
  1. La prestation de services juridiques en rapport avec les activités d’expert-comptable ou de conseil fiscal
  2. La fourniture d’avis,consultations en matières statistiques,économiques,financières et administratives,et la réalisation d’études et travaux sur ces sujets,à l’exception de l’activité de conseil en matière de placement et des activités pour lesquelles une agréation complémentaire est requise par la loi et/ou qui sont réservées par la loi à d’autres professions
  3. La fourniture d’avis en matière de législation sociale,le calcul des salaires ou l’assistance lors de l’accomplissement des formalités prévues par la législation sociale
  4. L’octroi d’avis se rapportant à toutes matières fiscales
  5. L’assistance des contribuables dans l’accomplissement de leurs obligations fiscales
  6. La représentation des contribuables
  7. La vérification et le redressement de tous documents comptables
  8. L’expertise,tant privée que judiciaire,dans le domaine de l’organisation comptable des entreprises ainsi que l’analyse par les procédés de la technique comptable de la situation et du fonctionnement des entreprises au point de vue de leur crédit,de leur rendement et de leurs risques
  9. L’organisation des services comptables et administratifs des entreprises et les activités de conseil en matière d’organisation comptable et administrative des entreprises
  10. Les activités d’organisation et de tenue de la comptabilité de tiers
  11. L’octroi d’avis se rapportant à toutes matières fiscales,l’assistance des contribuables dans l’accomplissement de leurs obligations fiscales,la représentation des contribuables,à l’exclusion de la représentation des entreprises auprès desquelles il accomplit des missions visées au n°6 ou auprès desquelles il accomplit des missions visées à l’article 3.101 du Code des sociétés et des associations
  12. Les missions autres que celles visées aux numéros 1° à 5° et dont l’accomplissement lui est réservé par la loi ou en vertu de la loi
deed of 13-11-2019 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
La Briqueterie 18 registered office 4970 Stavelot 08-11-2019 2.296.512.612

Buildings and parcels at the address

Ground area
817 m²
Buildings
120 m²
Volume, LiDAR
670 m³
Tallest building
7.3 m
Buildings to scale, each on its own parcel
120 m², 7.3 m 120 m², 7.3 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
63073B2425/00V002817 m² 1 · 120 m² 7.3 m · 2

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