Kamino
ActiveSummary
Kamino has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.41M and a net result of €1.21M. Equity is growing by ~73.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 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▲+16
Solvency100▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €320k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 4.82 in 2024; short-term debt: 24.4% and cash: 17.7% of total assets), and 24.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
75.6%
Return on assets
26.8%
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 03-03-2026, 150 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
150 d early
2024
84 d early
2023
20 d early
2022
42 d early
2021
27 d early
2020
73 d early
2019
37 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
€3.41M▲ 6.6%
2024 · €3.20M
2018: €137k
2019: €124k
2020: €120k
2021: €562k
2022: €794k
2023: €2.13M
2024: €3.20M
2018 → 2025
Total assets
€4.51M▼ 11.5%
2024 · €5.10M
2018: €160k
2019: €5.91M
2020: €5.90M
2021: €4.73M
2022: €4.52M
2023: €5.05M
2024: €5.10M
2018 → 2025
Net result
€1.21M▼ 4.8%
2024 · €1.27M
2018: €118k
2019: €-12k
2020: €395k
2021: €1.04M
2022: €633k
2023: €1.54M
2024: €1.27M
2018 → 2025
Working capital
€405k▼ 47.4%
2024 · €769k
2018: €101k
2019: €157k
2020: €-243k
2021: €108k
2022: €128k
2023: €745k
2024: €769k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€562k-€794k▲ 41.4%€2.13M▲ 168%€3.20M▲ 50.2%€3.41M▲ 6.6%
Operating result€735k-€118k▼ 84.0%€153k▲ 29.4%€145k▼ 4.7%€141k▼ 3.4%
Net result€1.04M-€633k▼ 39.3%€1.54M▲ 143%€1.27M▼ 17.4%€1.21M▼ 4.8%
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 has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.51M
Fixed assets
€3.01M ▼ 27.1%
Current assets
€1.51M ▲ 55.3%
Equity and liabilities €4.51M
Equity
€3.41M ▲ 6.6%
Debt
€1.10M ▼ 41.9%
Debt's share of the balance-sheet total falls from 37.2% to 24.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€178k▲
2024 · €174k
Cash flow
€1.25M▼
2024 · €1.30M
Current ratio
1.37▼
2024 · 4.82
Debt to equity
0.32▼
2024 · 0.59
ROE
35.5%▼
2024 · 39.7%
ROA
26.8%▲
2024 · 24.9%
Interest coverage
11.95▲
2024 · 4.10
Debt ≤ 1 year
€1.10M▲
2024 · €201k
Income taxes
€152k▼
2024 · €153k
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€5.10M€4.51M▼
Fixed assets21/28€4.13M€3.01M▼
Tangible fixed assets22/27€157k€120k▼
Furniture and vehicles24€157k€120k▼
Financial fixed assets28€3.97M€2.89M▼
Current assets29/58€970k€1.51M▲
Amounts receivable after more than one year29-€630k
Other amounts receivable291-€630k
Amounts receivable within one year40/41€726k€76k▼
Trade receivables40€66k€72k▲
Other amounts receivable41€660k€5k▼
Cash at bank and in hand54/58€239k€800k▲
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€5.10M€4.51M▼
Equity10/15€3.20M€3.41M▲
Contributions10/11€19k€19k=
Reserves13€1.27M€2.48M▲
Distributable reserves133€1.27M€2.48M▲
Profit (loss) carried forward14€1.91M€911k▼
Amounts payable17/49€1.90M€1.10M▼
Amounts payable after more than one year17€1.69M-
Financial debts170/4€1.69M-
Amounts payable within one year42/48€201k€1.10M▲
Trade debts44€843€8k▲
Suppliers440/4€843€8k▲
Taxes, remuneration and social security45-€94k
Taxes450/3-€94k
Other amounts payable47/48€200k€1.00M▲
Income statement
Code20242025
Non-recurring operating income76A€14k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€37k▲
Other operating charges640/8€968€998▲
Gross operating margin9900€175k€179k▲
Operating profit (loss)9901€145k€141k▼
Financial income75/76B€1.32M€1.24M▼
Recurring financial income75€1.32M€1.24M▼
Financial charges65/66B€42k€15k▼
Recurring financial charges65€42k€15k▼
Profit (loss) for the period before taxes9903€1.42M€1.36M▼
Income taxes67/77€153k€152k▼
Profit (loss) for the period9904€1.27M€1.21M▼
Profit (loss) for the period to be appropriated9905€1.27M€1.21M▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.38M€3.12M▼
Profit (loss) brought forward from the previous period14P€2.11M€1.91M▼
Transfer to equity691/2€1.27M€1.21M▼
To other reserves6921€1.27M€1.21M▼
Profit to be distributed694/7€200k€1.00M▲
Return on contributions (dividend)694€200k€1.00M▲
The notes to these accounts (8 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €1.54M ▲143%
Net result €1.54M, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 4.69
Current ratio from 1.32 to 4.69; short-term debt falls from €406k to €202k.
31-12
Financial
Equity above €2MEq €2.13M ▲168%
4 profitable years in a row build equity to €2.13M.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1.18
Current ratio from 0.40 to 1.18.
31-12
Financial
Equity above €500kEq €562k ▲370%
2 profitable years in a row build equity to €562k.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €395k
Net result €395k after one loss-making year.
Show earlier events
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-12k ▼110%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 29.33
Current ratio from 5.36 to 29.33; short-term debt falls from €23k to €6k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tervuren · 1 establishment unit since 2017
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.
Morrenweg 403080 TervurenGround area
939 m²
Building footprint
149 m²
Volume, LiDAR
832 m³
Parcel 24114B0196/00K000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KAMINO
since 20172.269.526.123
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0196/00K000 | Flanders | 939 m² | 1 · 149 m² | 10.1 m · 2 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.
Similar companies · same sector, comparable size
SAVE DEAL
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AMARIS IS&D
BE 0720.524.908
Mechelen · Eq €3,412,590
DenX
BE 0880.565.010
Hove · Eq €3,413,384
DANNEELS
BE 0439.587.667
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Vision over Sight
BE 0743.386.125
Sint-Truiden · Eq €3,414,128
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 14,602 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
Founded07-11-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
63920Other information service activities
73300Public relations and communication consultancy
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.