C.A.M.A.
ActiveC.A.M.A. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.96M and a net result of €67k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 95% of 674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-2
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 6.47 against 5.68 in 2024), and 5.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
94.2%
Return on assets
3.2%
Age of the figures
11 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 20-03-2026, 41 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
41 d early
2024
7 d early
2023
42 d early
2022
37 d early
2021
37 d early
2020
57 d early
2019
44 d early
← before the deadline
after the deadline →
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
15-09-2026 today30-09-2026 close30-04-2027 deadline
Name match with a sanctions list
1 entryMelli Agrochemical Company PJSalias M.A.C.
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, abbreviated schema
Equity
€1.96M▼ 1.0%
2024 · €1.98M
2018: €1.82M
2019: €1.91M
2020: €1.92M
2021: €1.88M
2022: €1.84M
2023: €1.91M
2024: €1.98M
2018 → 2025
Total assets
€2.09M▼ 1.5%
2024 · €2.12M
2018: €2.04M
2019: €2.10M
2020: €2.08M
2021: €2.09M
2022: €2.08M
2023: €2.05M
2024: €2.12M
2018 → 2025
Net result
€67k▼ 11.6%
2024 · €75k
2018: €-11k
2019: €86k
2020: €12k
2021: €25k
2022: €58k
2023: €71k
2024: €75k
2018 → 2025
Working capital
€377k▲ 19.0%
2024 · €316k
2018: €41k
2019: €159k
2020: €152k
2021: €155k
2022: €100k
2023: €208k
2024: €316k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.88M-€1.84M▼ 2.5%€1.91M▲ 3.9%€1.98M▲ 4.0%€1.96M▼ 1.0%
Operating result€39k-€74k▲ 88.0%€30k▼ 58.9%€41k▲ 36.6%€93k▲ 124%
Net result€25k-€58k▲ 134%€71k▲ 22.3%€75k▲ 6.1%€67k▼ 11.6%
Turnover and EBIT margin not published: the abbreviated 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 124% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.09M
Fixed assets
€1.64M▼ 5.4%
Current assets
€445k▲ 16.0%
Equity and liabilities €2.09M
Equity
€1.96M▼ 1.0%
Debt
€122k▼ 9.5%
The debt ratio falls from 6.4% to 5.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€190k▲
2024 · €133k
Cash flow
€164k▼
2024 · €167k
Solvency
94.2%▲
2024 · 93.6%
Current ratio
6.47▲
2024 · 5.68
Quick ratio
6.47▲
2024 · 5.68
Debt / equity
0.06▼
2024 · 0.07
ROE
3.4%▼
2024 · 3.8%
ROA
3.2%▼
2024 · 3.6%
Interest coverage
118.19▲
2024 · 73.50
Debt
€122k▼
2024 · €135k
Debt ≤ 1 year
€69k▲
2024 · €68k
Debt > 1 year
€48k▼
2024 · €61k
Income taxes
€31k▲
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.12M€2.09M▼
Fixed assets21/28€1.73M€1.64M▼
Tangible fixed assets22/27€1.55M€1.45M▼
Land and buildings22€1.50M€1.42M▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€40k€27k▼
Other tangible fixed assets26€174€31▼
Financial fixed assets28€187k€187k=
Current assets29/58€384k€445k▲
Amounts receivable within one year40/41€36k€37k▲
Trade receivables40€27k€27k=
Other amounts receivable41€9k€10k▲
Current investments50/53€225k€239k▲
Cash at bank and in hand54/58€118k€167k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.12M€2.09M▼
Equity10/15€1.98M€1.96M▼
Contributions10/11€19k€19k=
Reserves13€200k€181k▼
Distributable reserves133€200k€181k▼
Profit (loss) carried forward14€1.76M€1.76M=
Amounts payable17/49€135k€122k▼
Amounts payable after more than one year17€61k€48k▼
Financial debts170/4€61k€48k▼
Amounts payable within one year42/48€68k€69k▲
Current portion of amounts payable after more than one year42€13k€13k=
Trade debts44€6k€22k▲
Suppliers440/4€6k€22k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€44k€29k▼
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€97k▲
Other operating charges640/8€21k€19k▼
Gross operating margin9900€154k€209k▲
Operating profit (loss)9901€41k€93k▲
Financial income75/76B€54k€7k▼
Recurring financial income75€54k€7k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€94k€98k▲
Income taxes67/77€19k€31k▲
Profit (loss) for the period9904€75k€67k▼
Profit (loss) for the period to be appropriated9905€75k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.84M€1.83M▼
Profit (loss) brought forward from the previous period14P€1.76M€1.76M=
Transfer from equity791/2-€86k
Transfer to equity691/2€75k€67k▼
To other reserves6921€75k€67k▼
Profit to be distributed694/7-€86k
Return on contributions (dividend)694-€86k
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity triplescurrent ratio 4.29
Current ratio from 1.67 to 4.29; short-term debt falls from €148k to €63k.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €86k
Net result €86k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 3.51
Current ratio from 1.51 to 3.51; short-term debt falls from €80k to €63k.
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Tervuren · 1 establishment unit since 1996
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.
Eekhoornlaan 63080 TervurenGround area
551 m²
Building footprint
166 m²
Volume, LiDAR
894 m³
Parcel 24302F0122/00A000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eekhoornlaan 6, 3080 Tervuren
since 19962.076.397.143
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0122/00A000 | Flanders | 551 m² | 1 · 166 m² | 8.5 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
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DRIVELICIOUS
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A.H.
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Of 1,034 companies in sector 85531 we hold annual accounts for 345. 82 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-1996
Fiscal year end30-09
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.