F.A.M.O
ActiveF.A.M.O has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €10k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+34
Solvency100▲+27
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 6.04 against 1.93 in 2024; short-term debt: 16.4% and cash: 1.6% of total assets), and 16.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
83.6%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
35 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
115 d early
2019
33 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 4.4%
2024 · €223k
2018: €58k
2019: €84k
2020: €130k
2021: €149k
2022: €216k
2023: €221k
2024: €223k
2018 → 2025
Total assets
€279k▼ 39.7%
2024 · €462k
2018: €153k
2019: €215k
2020: €273k
2021: €299k
2022: €397k
2023: €430k
2024: €462k
2018 → 2025
Net result
€10k▲ 407%
2024 · €2k
2018: €4k
2019: €25k
2020: €46k
2021: €19k
2022: €67k
2023: €5k
2024: €2k
2018 → 2025
Working capital
€231k▲ 4.5%
2024 · €221k
2018: €59k
2019: €108k
2020: €138k
2021: €161k
2022: €224k
2023: €233k
2024: €221k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€216k▲ 45.2%€221k▲ 2.2%€223k▲ 0.9%€233k▲ 4.4%
Operating result€31k-€96k▲ 212%€9k▼ 90.6%€10k▲ 15.5%€19k▲ 78.9%
Net result€19k-€67k▲ 255%€5k▼ 92.8%€2k▼ 60.3%€10k▲ 407%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€2k▼ 6.1%
Current assets
€277k▼ 39.8%
Equity and liabilities €279k
Equity
€233k▲ 4.4%
Debt
€46k▼ 80.8%
The debt ratio falls from 51.7% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €12k
Cash flow
€11k▲
2024 · €3k
Solvency
83.6%▲
2024 · 48.3%
Current ratio
6.04▲
2024 · 1.93
Quick ratio
6.04▲
2024 · 1.93
Debt / equity
0.20▼
2024 · 1.07
ROE
4.2%▲
2024 · 0.9%
ROA
3.5%▲
2024 · 0.4%
Interest coverage
11.36▲
2024 · -12.42
Debt
€46k▼
2024 · €239k
Debt ≤ 1 year
€46k▼
2024 · €239k
Income taxes
€7k▼
2024 · €9k
Staff costs
€264▼
2024 · €2k
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€462k€279k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€460k€277k▼
Amounts receivable within one year40/41€459k€272k▼
Other amounts receivable41€459k€272k▼
Cash at bank and in hand54/58€284€5k▲
Equity and liabilities
Total equity and liabilities10/49€462k€279k▼
Equity10/15€223k€233k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€203k€212k▲
Amounts payable17/49€239k€46k▼
Amounts payable within one year42/48€239k€46k▼
Financial debts43€20k€11k▼
Credit institutions430/8€20k€11k▼
Trade debts44€204k€12k▼
Suppliers440/4€204k€12k▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€12k▲
Other amounts payable47/48€10k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€264▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€415€1k▲
Gross operating margin9900€15k€21k▲
Operating profit (loss)9901€10k€19k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€-945€2k▲
Recurring financial charges65€-945€2k▲
Profit (loss) for the period before taxes9903€11k€17k▲
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€2k€10k▲
Profit (loss) for the period to be appropriated9905€2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€203k€212k▲
Profit (loss) brought forward from the previous period14P€201k€203k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 6.04
Current ratio from 1.93 to 6.04; short-term debt falls from €239k to €46k.
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼60.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €67k ▲255%
Operating result €96k, net result €67k, both a record.
31-12
Financial
Equity above €200kEq €216k ▲45.2%
5 profitable years in a row build equity to €216k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €130k ▲55.2%
3 profitable years in a row build equity to €130k.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Awans · 1 establishment unit since 2008
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 de Loncin 854340 AwansGround area
1,265 m²
Building footprint
176 m²
Volume, LiDAR
1,343 m³
2 parcels, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOLUTIONS FINANCES
since 20082.264.971.279
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62006B0449/00L000 | Wallonia | 1,105 m² | 1 · 132 m² | 8.9 m · 2 fl. |
| 62093C0234/02Z002 | Wallonia | 160 m² | 1 · 44 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
HORTANICA
BE 0807.565.481
Halen · Eq €233k
TDV SERVICES
BE 0803.446.446
Lokeren · Eq €233k
Powerbee
BE 0801.456.758
Brussel · Eq €233k
PHARMANUT
BE 0674.526.518
Profondeville · Eq €233k
BUGGENHOUDT JURGEN
BE 0629.717.466
Pajottegem · Eq €233k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2008
Fiscal year end31-12
Activities, NACEBEL
64922Financial service activities, except insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.