Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 48 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Fa&ma from Lievegem, company number BE0670423616, closed financial year 2025 with a result of € 2,053 after tax. For that financial year Fa&ma recorded a gross margin of € 6,878 and equity of € -11,683. Compared with financial year 2024, the result moved from € 4,950 to € 2,053. The company is profitable. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on December 14, 2025.
€ -11,683
▲ € 2,053 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,053
▼ 59% vs 2024
Profit after tax over the fiscal year.
€ 5,429
▼ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -30,283.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 2,128
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 20,000
Loans from banks and other lenders, long and short.
€ 4,574
▲ 147% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,488
▼ 31% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | - | € -565 | € 9,978 | € 6,878 | ▼ 31% |
| Profit after taxes | € -1,092 | € -1,955 | € 4,950 | € 2,053 | ▼ 59% |
| Equity | € -16,731 | € -18,686 | € -13,736 | € -11,683 | ▲ € 2,053 |
| Total debts | € 26,842 | € 28,796 | € 40,634 | € 48,439 | ▲ 19% |
| Cash | - | - | € 6,118 | € 5,429 | ▼ 11% |
| Retained profit | € -35,331 | € -37,286 | € -32,336 | € -30,283 | ▲ € 2,053 |
| Bank debt | € 2,784 | € 0 | € 20,000 | € 20,000 | |
| Balance sheet total | € 10,110 | € 10,110 | € 26,898 | € 36,756 | ▲ 37% |
Key figures of Fa&ma, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2026 has not been filed yet; it was expected before 31 October 2026.
What happened to Fa&ma?
What happened at Fa&ma in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2,053 (▼ 59% vs 2024). filed late Source: NBB ↗
- Dieter Merckx became a director. NBB
- New establishment in Lievegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,092 loss in 2022 to € 2,053 profit in 2025.
Best year ever: 2024, with € 4,950 profit.
Management
Behind Fa&ma is Dieter Merckx.
Directors
According to the 2025 annual accounts
Dieter Merckx
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Kruisstraat 61 box B
9930 Lievegem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0670.423.616
- VAT number
- BE 0670.423.616
- Registered office
- Kruisstraat 61 bus B, 9930 Lievegem
- Names & denominations
- Fa&ma
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 January 2017
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
Overige niet-gespecialiseerde detailhandel
Schoonheidsverzorging en andere schoonheidsbehandelingen
Overige recreatie- en ontspanningsactiviteiten, neg
Overige persoonlijke diensten
Catering van evenementen
Grafisch ontwerp en visuele communicatie
Overige zakelijke dienstverlening, neg
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