Camper - verhuur
ActiveSummary
Camper - verhuur has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €285k and a net result of €98k. Equity is growing by ~76.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 1517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+6
Solvency44▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.87 in 2024; short-term debt: 29.6% and cash: 14.4% of total assets), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
19.5%
Return on assets
6.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
1 d late
2021
31 d late
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€285k▼ 29.4%
2024 · €404k
2020: €37k
2021: €74k
2022: €126k
2023: €381k
2024: €404k
2020 → 2025
Total assets
€1.46M▼ 22.4%
2024 · €1.89M
2020: €311k
2021: €549k
2022: €855k
2023: €1.13M
2024: €1.89M
2020 → 2025
Net result
€98k▲ 184%
2024 · €35k
2020: €30k
2021: €36k
2022: €52k
2023: €4k
2024: €35k
2020 → 2025
Working capital
€-114k▼ 105%
2024 · €-56k
2020: €33k
2021: €70k
2022: €-41k
2023: €105k
2024: €-56k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€126k▲ 70.2%€381k▲ 203%€404k▲ 5.9%€285k▼ 29.4%
Operating result€47k-€60k▲ 28.0%€24k▼ 59.3%€80k▲ 229%€152k▲ 88.4%
Net result€36k-€52k▲ 42.1%€4k▼ 91.4%€35k▲ 676%€98k▲ 184%
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 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.46M
Fixed assets
€1.14M ▼ 24.3%
Current assets
€319k ▼ 15.0%
Equity and liabilities €1.46M
Equity
€285k ▼ 29.4%
Debt
€1.18M ▼ 20.5%
Debt's share of the balance-sheet total rises from 78.6% to 80.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€325k▲
2024 · €278k
Cash flow
€271k▲
2024 · €233k
Current ratio
0.74▼
2024 · 0.87
Debt to equity
4.14▲
2024 · 3.68
ROE
34.4%▲
2024 · 8.6%
ROA
6.7%▲
2024 · 1.8%
Interest coverage
6.87▲
2024 · 6.27
Debt ≤ 1 year
€434k▲
2024 · €432k
Debt > 1 year
€745k▼
2024 · €1.05M
Income taxes
€6k▲
2024 · €2k
Staff costs
€15k▲
2024 · €9k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.89M€1.46M▼
Fixed assets21/28€1.51M€1.14M▼
Intangible fixed assets21€15k€8k▼
Tangible fixed assets22/27€1.50M€1.14M▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€149k€50k▼
Leasing and similar rights25€1.34M€1.08M▼
Current assets29/58€376k€319k▼
Amounts receivable within one year40/41€263k€67k▼
Trade receivables40€263k€59k▼
Other amounts receivable41€632€8k▲
Cash at bank and in hand54/58€27k€210k▲
Deferred charges and accrued income490/1€85k€42k▼
Equity and liabilities
Total equity and liabilities10/49€1.89M€1.46M▼
Equity10/15€404k€285k▼
Contributions10/11€23k€23k=
Revaluation surpluses12€264k€95k▼
Profit (loss) carried forward14€117k€167k▲
Amounts payable17/49€1.48M€1.18M▼
Amounts payable after more than one year17€1.05M€745k▼
Financial debts170/4€1.05M€745k▼
Amounts payable within one year42/48€432k€434k▲
Current portion of amounts payable after more than one year42€308k€278k▼
Trade debts44-€16k
Suppliers440/4-€16k
Taxes, remuneration and social security45€41k€24k▼
Taxes450/3€39k€22k▼
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€83k€115k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€198k€174k▼
Other operating charges640/8€7k€3k▼
Non-recurring operating charges66A€975-
Gross operating margin9900€296k€343k▲
Operating profit (loss)9901€80k€152k▲
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€44k€47k▲
Recurring financial charges65€44k€47k▲
Profit (loss) for the period before taxes9903€36k€104k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€35k€98k▲
Profit (loss) for the period to be appropriated9905€35k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€142k€215k▲
Profit (loss) brought forward from the previous period14P€108k€117k▲
Profit to be distributed694/7€25k€48k▲
Directors or managers695€25k€48k▲
The notes to these accounts (13 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2020net €98k ▲184%
Operating result €152k, net result €98k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €4k ▼91.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 1.54
Current ratio from 0.72 to 1.54.
30-09
Financial
Equity above €200kEq €381k ▲203%
4 profitable years in a row build equity to €381k.
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-09
Financial
Equity above €100kEq €126k ▲70.2%
3 profitable years in a row build equity to €126k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB 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, Malle · 1 establishment unit since 2019
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.
Antwerpsesteenweg 3522390 MalleGround area
2,019 m²
Building footprint
1,225 m²
Volume, LiDAR
6,134 m³
2 parcels, Flanders · tallest building 18.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Camper - verhuur
since 20192.294.849.556
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049C0023/00E003 | Flanders | 1,236 m² | 1 · 987 m² | 18.6 m · 1 fl. |
| 13009C0724/00M000 | Flanders | 783 m² | 1 · 238 m² | 8.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 990 EUR awarded · 990 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 990 EUR | 990 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,443 companies in sector 77110 we hold annual accounts for 727. 453 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
Founded15-10-2019
Fiscal year end30-09
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
46713Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.