CAMAT
ActiveSummary
CAMAT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €799k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.44 in 2024; short-term debt: 97.6% and cash: 27.8% of total assets), and 97.6% of the assets are financed with debt.
Credit check 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 →
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
2.4%
Return on assets
76.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 10%
← weakest
strongest →
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 28-04-2026, 94 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
94 d early
2024
38 d early
2023
44 d early
2022
42 d early
2021
38 d early
2020
36 d early
2019
39 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, abbreviated schema
Equity
€25k=
2024 · €25k
2018: €120k
2019: €310k
2020: €645k
2021: €371k
2022: €437k
2023: €651k
2024: €25k
2018 → 2025
Total assets
€1.04M▲ 13.4%
2024 · €916k
2018: €190k
2019: €333k
2020: €670k
2021: €404k
2022: €484k
2023: €742k
2024: €916k
2018 → 2025
Net result
€799k▲ 51.2%
2024 · €529k
2018: €108k
2019: €189k
2020: €329k
2021: €347k
2022: €365k
2023: €564k
2024: €529k
2018 → 2025
Working capital
€-622k▼ 24.2%
2024 · €-501k
2018: €119k
2019: €228k
2020: €583k
2021: €329k
2022: €401k
2023: €376k
2024: €-501k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€371k-€437k▲ 17.5%€651k▲ 49.0%€25k▼ 96.2%€25k=
Operating result€458k-€476k▲ 3.8%€746k▲ 56.8%€654k▼ 12.3%€1.06M▲ 62.4%
Net result€347k-€365k▲ 5.3%€564k▲ 54.4%€529k▼ 6.3%€799k▲ 51.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€647k ▲ 23.1%
Current assets
€392k ▲ 0.4%
Equity and liabilities €1.04M
Equity
€25k =
Debt
€1.01M ▲ 13.8%
Debt's share of the balance-sheet total rises from 97.3% to 97.6%. Debt is higher.
Key figures and ratios
EBITDA
€1.08M▲
2024 · €666k
Cash flow
€820k▲
2024 · €541k
Current ratio
0.39▼
2024 · 0.44
Debt to equity
40.82▲
2024 · 35.87
ROA
76.9%▲
2024 · 57.7%
Interest coverage
2780.98▼
2024 · 11691.88
Debt ≤ 1 year
€1.01M▲
2024 · €891k
Income taxes
€262k▲
2024 · €161k
A ratio outside any meaningful range has been withheld (balance sheet total €1.04M, equity €25k).
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€916k€1.04M▲
Fixed assets21/28€526k€647k▲
Tangible fixed assets22/27€526k€647k▲
Land and buildings22€494k€601k▲
Plant, machinery and equipment23€32k€33k▲
Furniture and vehicles24-€13k
Current assets29/58€391k€392k▲
Amounts receivable within one year40/41€80k€97k▲
Trade receivables40€80k€95k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€304k€289k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€916k€1.04M▲
Equity10/15€25k€25k=
Contributions10/11€19k€19k=
Reserves13€6k€6k=
Tax-exempt reserves132€6k€6k=
Amounts payable17/49€891k€1.01M▲
Amounts payable within one year42/48€891k€1.01M▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€38k€46k▲
Taxes450/3€38k€46k▲
Other amounts payable47/48€847k€966k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€21k▲
Other operating charges640/8€451€584▲
Gross operating margin9900€667k€1.08M▲
Operating profit (loss)9901€654k€1.06M▲
Financial income75/76B€36k-
Recurring financial income75€36k-
Financial charges65/66B€57€389▲
Recurring financial charges65€57€389▲
Profit (loss) for the period before taxes9903€690k€1.06M▲
Income taxes67/77€161k€262k▲
Profit (loss) for the period9904€529k€799k▲
Profit (loss) for the period to be appropriated9905€529k€799k▲
Appropriation of the result
Profit (loss) to be appropriated9906€529k€799k▲
Transfer from equity791/2€626k-
Profit to be distributed694/7€1.15M€799k▼
Return on contributions (dividend)694€1.15M€799k▼
The notes to these accounts (5 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
09-03
State Gazette act
General meeting · Director resignation
Board composition · Permanent representative
25-02
State Gazette act
General meeting · Director appointment
Permanent representative · Board meeting
25-02
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
2025
31-12
Financial
Highest result since 2018net €799k ▲51.2%
Operating result €1.06M, net result €799k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €651k ▲49%
6 profitable years in a row build equity to €651k.
13-11
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
20-07
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Show earlier events
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 23.76
Current ratio from 11.34 to 23.76.
31-12
Financial
Equity above €500kEq €645k ▲108%
3 profitable years in a row build equity to €645k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 11.34
Current ratio from 2.71 to 11.34; short-term debt falls from €70k to €22k.
31-12
Financial
Equity above €200kEq €310k ▲158%
2 profitable years in a row build equity to €310k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-10
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Overijse · 1 establishment unit since 2018
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.
Smetslaan 263090 OverijseGround area
1,950 m²
Building footprint
274 m²
Volume, LiDAR
1,460 m³
Parcel 23543O0005/00M011, Flanders · tallest building 24.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CAMAT
since 20182.277.418.755
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543O0005/00M011 | Flanders | 1,949 m² | 1 · 274 m² | 24.6 m · 1 fl. |
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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
Similar companies · same sector, comparable size
SPACIOUS
BE 0899.640.455
Sint-Genesius-Rode · Eq €24,845
METAFORA
BE 0465.201.013
Brecht · Eq €24,847
I-VALUE
BE 0758.476.652
Profondeville · Eq €24,847
ROBIN HILL
BE 0542.941.563
Leuven · Eq €24,842
NDIMALU CONSULTING GROUP
BE 0719.610.732
Sint-Gillis (bij-Brussel) · Eq €24,838
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,850 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
Founded21-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.