CAMY & COMPAGNIE
ActiveSummary
CAMY & COMPAGNIE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €1k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-44
Solvency52▲+1
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.46 in 2024; short-term debt: 53.9% of total assets), but 73.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
26.7%
Return on assets
0.2%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
45 d early
2023
33 d early
2022
64 d late
2021
31 d late
2020
19 d late
2019
28 d late
← 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
€163k▲ 0.7%
2024 · €162k
2018: €180k
2019: €177k
2020: €78k
2021: €101k
2022: €112k
2023: €129k
2024: €162k
2018 → 2025
Total assets
€611k▼ 0.4%
2024 · €614k
2018: €738k
2019: €638k
2020: €565k
2021: €639k
2022: €622k
2023: €647k
2024: €614k
2018 → 2025
Net result
€1k▼ 98.3%
2024 · €68k
2018: €26k
2019: €-3k
2020: €-99k
2021: €23k
2022: €11k
2023: €17k
2024: €68k
2018 → 2025
Working capital
€261k▲ 38.6%
2024 · €188k
2018: €-86k
2019: €125k
2020: €179k
2021: €179k
2022: €165k
2023: €155k
2024: €188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€112k▲ 11.2%€129k▲ 14.8%€162k▲ 26.0%€163k▲ 0.7%
Operating result€44k-€30k▼ 30.3%€37k▲ 20.1%€121k▲ 232%€15k▼ 87.9%
Net result€23k-€11k▼ 51.0%€17k▲ 47.2%€68k▲ 312%€1k▼ 98.3%
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 falls in 2025; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€21k ▲ 2.1%
Current assets
€590k ▼ 0.5%
Equity and liabilities €611k
Equity
€163k ▲ 0.7%
Debt
€448k ▼ 0.8%
Debt's share of the balance-sheet total falls from 73.6% to 73.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €129k
Cash flow
€9k▼
2024 · €76k
Current ratio
1.79▲
2024 · 1.46
Quick ratio
1.35▲
2024 · 1.13
Debt to equity
2.74▼
2024 · 2.79
ROE
0.7%▼
2024 · 42.2%
ROA
0.2%▼
2024 · 11.1%
Interest coverage
1.79▼
2024 · 5.40
Debt ≤ 1 year
€329k▼
2024 · €405k
Debt > 1 year
€79k▲
2024 · €25k
Income taxes
€3k▼
2024 · €34k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€614k€611k▼
Fixed assets21/28€21k€21k▲
Tangible fixed assets22/27€21k€21k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€16k€17k▲
Other tangible fixed assets26€1k€782▼
Financial fixed assets28€75€75=
Current assets29/58€593k€590k▼
Stocks and contracts in progress3€136k€146k▲
Stocks30/36€136k€136k=
Contracts in progress37-€10k
Amounts receivable within one year40/41€372k€396k▲
Trade receivables40€289k€324k▲
Other amounts receivable41€83k€72k▼
Cash at bank and in hand54/58€57k-
Deferred charges and accrued income490/1€28k€49k▲
Equity and liabilities
Total equity and liabilities10/49€614k€611k▼
Equity10/15€162k€163k▲
Contributions10/11€7k€7k=
Reserves13€155k€156k▲
Distributable reserves133€155k€156k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€452k€448k▼
Amounts payable after more than one year17€25k€79k▲
Financial debts170/4€25k€79k▲
Amounts payable within one year42/48€405k€329k▼
Current portion of amounts payable after more than one year42€21k€40k▲
Financial debts43€100k€69k▼
Credit institutions430/8€100k€69k▼
Trade debts44€184k€183k▼
Suppliers440/4€184k€183k▼
Taxes, remuneration and social security45€45k€8k▼
Taxes450/3€41k€3k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€56k€30k▼
Accrued charges and deferred income492/3€22k€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€8k€5k▼
Gross operating margin9900€137k€27k▼
Operating profit (loss)9901€121k€15k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€24k€13k▼
Recurring financial charges65€24k€13k▼
Profit (loss) for the period before taxes9903€103k€5k▼
Income taxes67/77€34k€3k▼
Profit (loss) for the period9904€68k€1k▼
Profit (loss) for the period to be appropriated9905€68k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€1k▼
Profit (loss) brought forward from the previous period14P€-48k-
Transfer from equity791/2€35k-
Transfer to equity691/2€20k€1k▼
To other reserves6921€20k€1k▼
Profit to be distributed694/7€35k-
Return on contributions (dividend)694€35k-
The notes to these accounts (10 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €68k ▲312%
Net result €68k, the highest in the series.
31-12
Financial
Equity above €150kEq €162k ▲26%
4 profitable years in a row build equity to €162k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €101k ▲29.6%
Equity rises from €78k to €101k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-99k
Net result drops to €-99k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Anderlecht · 1 establishment unit since 2008
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.
Bergense Steenweg 7891070 AnderlechtGround area
176 m²
Building footprint
161 m²
Volume, LiDAR
1,006 m³
Parcel 21308H0528/00R004, Brussels · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CAMY & COMPANY BVBA
since 20082.169.342.642
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0528/00R004 | Brussels | 176 m² | 1 · 161 m² | 13.2 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesCAMY & COMPAGNIE SRL43634
Similar companies · same sector, comparable size
Valcke Elektrotechniek
BE 0535.725.852
Wingene · Eq €163,236
ECON ENERGY
BE 0889.343.114
Stekene · Eq €163,247
ELEK VDS
BE 0733.794.409
Sint-Lievens-Houtem · Eq €163,268
JURGEN VISART
BE 0712.888.335
Aalst · Eq €163,284
Werken Celus
BE 0780.921.858
Heusden-Zolder · Eq €163,363
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,527 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
Founded21-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
47511Retail trade
47513Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.