Summary
Camadera is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €374,636 and a net result of €201,982. Equity is growing by ~9.8% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 18-06-2026, 43 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
43 d early
2024
42 d early
2023
34 d early
2022
46 d early
2021
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 42 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 18 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€374,636▲ 0.5%
2023 · €372,655
Net result
€201,982▲ 142%
2023 · €83,627
Total assets
€907,471▲ 3.4%
2023 · €877,515
Solvency
41.3%▼ 1.2pp
2023 · 42.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€25,336-€35,634▲ 40.6%€6,592▼ 81.5%€7,085▲ 7.5%
Net result€147,052within the sector's middle half-€201,975above the sector's middle half▲ 37.3%€83,627above the sector's middle half▼ 58.6%€201,982within the sector's middle half▲ 142%
Equity€167,052within the sector's middle half-€369,028within the sector's middle half▲ 121%€372,655within the sector's middle half▲ 1.0%€374,636within the sector's middle half▲ 0.5%
Total assets€828,137within the sector's middle half-€970,374within the sector's middle half▲ 17.2%€877,515within the sector's middle half▼ 9.6%€907,471within the sector's middle half▲ 3.4%
Debt€661,085-€601,346▼ 9.0%€504,861▼ 16.0%€532,834▲ 5.5%
Working capital-€252,760below the sector's middle half-€47,867within the sector's middle half-€24,848below the sector's middle half-€102,902within the sector's middle half▼ 314%
Solvency20.2%below the sector's middle half-38.0%within the sector's middle half▲ 17.9pp42.5%within the sector's middle half▲ 4.4pp41.3%within the sector's middle half▼ 1.2pp
Current ratio0.30below the sector's middle half-1.25within the sector's middle half▲ 0.950.86within the sector's middle half▼ 0.390.64within the sector's middle half▼ 0.22
Return on assets (ROA)17.8%above the sector's middle half-20.8%above the sector's middle half▲ 3.1pp9.5%within the sector's middle half▼ 11.3pp22.3%above the sector's middle half▲ 12.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +142% on 2023. The accounts now follow the abbreviated schema, last year the micro schema.
- 2023 Net result -59% on 2022. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €907,471
Fixed assets
€723,980 ▼ 0.3%
Current assets
€183,490 ▲ 21.1%
Equity and liabilities €907,471
Equity
€374,636 ▲ 0.5%
Debt
€532,834 ▲ 5.5%
Debt's share of the balance-sheet total rises from 57.5% to 58.7%. Equity and debt are higher.
Key figures and ratios
ROE
53.9%▲
2023 · 22.4%
Debt ≤ 1 year
€286,392▲
2023 · €176,380
Debt > 1 year
€246,442▼
2023 · €328,481
Income taxes
€1,644▼
2023 · €2,015
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,419 | €1,966 | €2,003 | ▲ 1.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | -€540 | - | - |
| Other operating charges640/8 | - | €42 | €210 | €331 | ▲ 57.8% |
| Gross operating margin9900 | €25,336 | €37,095 | €8,228 | €9,420 | ▲ 14.5% |
| Operating profit (loss)9901 | €25,336 | €35,634 | €6,592 | €7,085 | ▲ 7.5% |
| Financial income75/76B | €143,496 | €200,000 | €86,702 | €203,219 | ▲ 134% |
| Recurring financial income75 | €143,496 | €200,000 | €86,702 | €203,219 | ▲ 134% |
| Financial charges65/66B | €2,347 | €7,022 | €7,652 | €6,678 | ▼ 12.7% |
| Recurring financial charges65 | €2,347 | €7,022 | €7,652 | €6,678 | ▼ 12.7% |
| Profit (loss) for the period before taxes9903 | €166,485 | €228,613 | €85,642 | €203,626 | ▲ 138% |
| Income taxes67/77 | €19,433 | €26,638 | €2,015 | €1,644 | ▼ 18.4% |
| Profit (loss) for the period9904 | €147,052 | €201,975 | €83,627 | €201,982 | ▲ 142% |
| Profit (loss) for the period to be appropriated9905 | €147,052 | €201,975 | €83,627 | €201,982 | ▲ 142% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €828,137 | €970,374 | €877,515 | €907,471 | ▲ 3.4% |
| Fixed assets21/28 | €721,579 | €730,340 | €725,983 | €723,980 | ▼ 0.3% |
| Tangible fixed assets22/27 | - | €8,760 | €4,404 | €2,401 | ▼ 45.5% |
| Plant, machinery and equipment23 | - | €586 | €1,102 | €92 | ▼ 91.6% |
| Furniture and vehicles24 | - | €8,174 | €3,301 | €2,309 | ▼ 30.1% |
| Financial fixed assets28 | €721,579 | €721,579 | €721,579 | €721,579 | = |
| Current assets29/58 | €106,558 | €240,034 | €151,532 | €183,490 | ▲ 21.1% |
| Amounts receivable within one year40/41 | €100,499 | €239,688 | €148,720 | €182,619 | ▲ 22.8% |
| Trade receivables40 | €16,186 | €31,197 | €15,428 | €33,931 | ▲ 120% |
| Other amounts receivable41 | €84,313 | €208,491 | €133,292 | €148,688 | ▲ 11.6% |
| Cash at bank and in hand54/58 | €6,059 | €58 | €923 | - | - |
| Deferred charges and accrued income490/1 | - | €288 | €1,889 | €871 | ▼ 53.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €828,137 | €970,374 | €877,515 | €907,471 | ▲ 3.4% |
| Equity10/15 | €167,052 | €369,028 | €372,655 | €374,636 | ▲ 0.5% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €147,052 | €349,028 | €352,655 | €354,636 | ▲ 0.6% |
| Distributable reserves133 | €147,052 | €349,028 | €352,655 | €354,636 | ▲ 0.6% |
| Amounts payable17/49 | €661,085 | €601,346 | €504,861 | €532,834 | ▲ 5.5% |
| Amounts payable after more than one year17 | €301,767 | €409,179 | €328,481 | €246,442 | ▼ 25.0% |
| Financial debts170/4 | €301,767 | €409,179 | €328,481 | €246,442 | ▼ 25.0% |
| Amounts payable within one year42/48 | €359,318 | €192,167 | €176,380 | €286,392 | ▲ 62.4% |
| Current portion of amounts payable after more than one year42 | €51,830 | €79,381 | €82,963 | €82,586 | ▼ 0.5% |
| Trade debts44 | €1,182 | €20,975 | €3,942 | €9,384 | ▲ 138% |
| Suppliers440/4 | €1,182 | €20,975 | €3,942 | €9,384 | ▲ 138% |
| Taxes, remuneration and social security45 | €26,491 | €31,919 | €34,409 | €28,432 | ▼ 17.4% |
| Taxes450/3 | €26,491 | €28,747 | €31,082 | €28,432 | ▼ 8.5% |
| Remuneration and social security454/9 | - | €3,171 | €3,327 | - | - |
| Other amounts payable47/48 | €279,815 | €59,892 | €55,065 | €165,990 | ▲ 201% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €147,052 | €201,975 | €83,627 | €201,982 | ▲ 142% |
| + Depreciation and write-downs630 | - | €1,419 | €1,966 | €2,003 | ▲ 1.9% |
| Operating cash flow (approximation) | €147,052 | €203,395 | €85,593 | €203,985 | ▲ 138% |
| Investment in fixed assets (approximation) | - | -€10,180 | €2,390 | €0 | ▼ 100% |
| Change in cash | - | -€6,001 | €866 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €201,982 ▲142%
Net result €201,982, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €83,627 ▼58.6%
Net result drops to €83,627, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 1.25
Current ratio from 0.30 to 1.25; short-term debt falls from €359,318 to €192,167.
31-12
Financial
Equity above €200,000Eq €369,028 ▲121%
2 profitable years in a row build equity to €369,028.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Oudenaarde · 1 establishment unit since 2021
Ground area
9,360 m²
Parcel 45502A0458/02F000, Flanders. Linked by address, not a title deed.
1 establishment unit
Camadera
since 20212.316.949.126
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45502A0458/02F000 | Flanders | 9,360 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2024 annual accounts of Camadera and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,774 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0767962658
Also
9925:BE0767962658
Registered
18-03-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.