FAMOS, which stands for Financial Analysis Model of Small and Medium Enterprises (SMEs), forecasts assets and capital as expressed on the balance sheet of size classes and sectors. In addition, the model generates a number of financial indicators, from which the financial situation of firms can be derived instantly (e.g. liquidity, solvency). FAMOS distinguishes between 17 sectors and 5 size classes. The modelling of the size-class structure is the surplus value of the model. FAMOS comprises both corporations and non-corporations. Corporations are further divided into micro-sized, small, medium-sized and large enterprises.

The model can be used for various purposes. Firstly, model estimates can be used to describe the actual financial situation of firms, and to forecast the balance structure for the coming years, differentiated by size class and sector. Secondly, the impact of changes in turnover, investments, profits and financial costs on the composition of assets and capital can be analyzed. For instance, an increase of the interest rate of 2 percentage points affects the liquidity and solvency of firms. With FAMOS, it is possible to address the effects of such changes across size classes.