ALBECAM
ActiveSummary
ALBECAM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €41k. Equity is growing by ~77.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+11
Growth78=
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 2.75 against 2.02 in 2024; short-term debt: 33.8% and cash: 43.9% of total assets), and 33.8% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
66.2%
Return on assets
28.1%
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 20-02-2026, 161 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
161 d early
2024
41 d early
2023
90 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 73.7%
2024 · €56k
2023: €10k
2024: €56k
2023 → 2025
Total assets
€147k▲ 43.7%
2024 · €102k
2023: €33k
2024: €102k
2023 → 2025
Net result
€41k▼ 11.0%
2024 · €46k
2023: €10k
2024: €46k
2023 → 2025
Working capital
€87k▲ 83.4%
2024 · €47k
2023: €10k
2024: €47k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€56k▲ 434%€97k▲ 73.7%
Operating result€14k-€64k▲ 365%€58k▼ 10.4%
Net result€10k-€46k▲ 349%€41k▼ 11.0%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€10k ▲ 20.8%
Current assets
€137k ▲ 45.8%
Equity and liabilities €147k
Equity
€97k ▲ 73.7%
Debt
€50k ▲ 7.4%
Debt's share of the balance-sheet total falls from 45.3% to 33.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €65k
Cash flow
€44k▼
2024 · €47k
Current ratio
2.75▲
2024 · 2.02
Debt to equity
0.51▼
2024 · 0.83
ROE
42.4%▼
2024 · 82.8%
ROA
28.1%▼
2024 · 45.3%
Interest coverage
14.41▼
2024 · 14.54
Debt ≤ 1 year
€50k▲
2024 · €46k
Income taxes
€12k▼
2024 · €13k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€147k▲
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€9k€10k▲
Furniture and vehicles24€4k€6k▲
Other tangible fixed assets26€5k€5k▼
Current assets29/58€94k€137k▲
Amounts receivable within one year40/41€48k€61k▲
Trade receivables40€48k€58k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€32k€65k▲
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€102k€147k▲
Equity10/15€56k€97k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€55k€96k▲
Amounts payable17/49€46k€50k▲
Amounts payable within one year42/48€46k€50k▲
Financial debts43€912€899▼
Credit institutions430/8€912€899▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€30k€44k▲
Taxes450/3€30k€44k▲
Other amounts payable47/48€10k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€852€2k▲
Other operating charges640/8€356€510▲
Gross operating margin9900€65k€60k▼
Operating profit (loss)9901€64k€58k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€60k€53k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€46k€41k▼
Profit (loss) for the period to be appropriated9905€46k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€96k▲
Profit (loss) brought forward from the previous period14P€9k€55k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (6 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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €46k ▲349%
Operating result €64k, net result €46k, both a record.
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Andenne · 1 establishment unit since 2023
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.
Nalamont 265300 AndenneGround area
1,210 m²
Building footprint
206 m²
Parcel 92029E0142/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ALBECAM
since 20232.351.513.293
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92029E0142/00F000 | Wallonia | 1,210 m² | 1 · 206 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
CSI BUSINESS CONSULTING CVBA
BE 0896.482.314
Antwerpen · Eq €97,341
Brixia Management
BE 1015.400.552
Genappe · Eq €97,355
DAAvid
BE 0806.028.032
Lievegem · Eq €97,385
JONAS PALINCKX COACHING
BE 0738.654.208
Lier · Eq €97,390
Gootwob
BE 0716.956.791
Elsene · Eq €97,394
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,565 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.