CAMALIA
ActiveSummary
CAMALIA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12.90M and a net result of €563k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 546 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability24▼-24
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €750k at 30 days only on tighter terms
Liquidity ample (current ratio 30.61 against 28.64 in 2023; short-term debt: 3.3% and cash: 0.3% of total assets), and 3.3% 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
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
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
96.7%
Return on assets
4.2%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-01-2026, 158 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
158 d late
2023
160 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€563k▲ 8.9%
2023 · €517k
2022: €58klowest in 3 years
2023: €517k▲ +797% vs 2022
2024: €563k▲ +8.9% vs 2023highest in 3 years
2022 → 2024
Working capital
€12.87M▲ 4.4%
2023 · €12.32M
2022: €12.30Mlowest in 3 years
2023: €12.32M▲ +0.2% vs 2022
2024: €12.87M▲ +4.4% vs 2023highest in 3 years
2022 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€12.27M-€12.34M▲ 0.5%€12.90M▲ 4.6%
2022: €12.27Mlowest in 3 years
2023: €12.34M▲ +0.5% vs 2022
2024: €12.90M▲ +4.6% vs 2023highest in 3 years
Operating result€-2k-€-188k▼ 10,831%€-145k▲ 22.8%
2022: €-2khighest in 3 years
2023: €-188k▼ -10831% vs 2022lowest in 3 years
2024: €-145k▲ +22.8% vs 2023
Net result€58k-€517k▲ 797%€563k▲ 8.9%
2022: €58klowest in 3 years
2023: €517k▲ +797% vs 2022
2024: €563k▲ +8.9% vs 2023highest in 3 years
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €145k in 2024 against €188k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €13.34M
Fixed assets
€33k ▲ 117%
Current assets
€13.30M ▲ 4.2%
Equity and liabilities €13.34M
Equity
€12.90M ▲ 4.6%
Debt
€435k ▼ 2.5%
Debt's share of the balance-sheet total falls from 3.5% to 3.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-136k
Cash flow
€572k
Current ratio
30.61▲
2023 · 28.64
Debt to equity
0.03▼
2023 · 0.04
ROE
4.4%▲
2023 · 4.2%
ROA
4.2%▲
2023 · 4.0%
Interest coverage
-0.73
Debt ≤ 1 year
€435k▼
2023 · €446k
Income taxes
€305k▲
2023 · €137k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€12.79M€13.34M▲
Formation expenses20-€0
Fixed assets21/28€15k€33k▲
Tangible fixed assets22/27€15k€33k▲
Furniture and vehicles24€15k€33k▲
Current assets29/58€12.77M€13.30M▲
Amounts receivable after more than one year29€1.52M€1.52M=
Other amounts receivable291€1.52M€1.52M=
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€5k€473▼
Other amounts receivable41€860€6k▲
Current investments50/53€10.99M€11.73M▲
Cash at bank and in hand54/58€253k€44k▼
Equity and liabilities
Total equity and liabilities10/49€12.79M€13.34M▲
Equity10/15€12.34M€12.90M▲
Contributions10/11€34k€34k=
Reserves13€12.25M€12.81M▲
Distributable reserves133€12.25M€12.81M▲
Profit (loss) carried forward14€58k€58k=
Amounts payable17/49€446k€435k▼
Amounts payable within one year42/48€446k€435k▼
Trade debts44€38k€14k▼
Suppliers440/4€38k€14k▼
Taxes, remuneration and social security45€90k€344k▲
Taxes450/3€90k€331k▲
Remuneration and social security454/9-€13k
Other amounts payable47/48€318k€77k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€9k
Other operating charges640/8€21k€30k▲
Non-recurring operating charges66A€79k€-1k▼
Gross operating margin9900€-88k€-107k▼
Operating profit (loss)9901€-188k€-145k▲
Financial income75/76B€538k€1.20M▲
Recurring financial income75€538k€1.20M▲
Financial charges65/66B€-304k€186k▲
Recurring financial charges65€-304k€186k▲
Profit (loss) for the period before taxes9903€654k€868k▲
Income taxes67/77€137k€305k▲
Profit (loss) for the period9904€517k€563k▲
Profit (loss) for the period to be appropriated9905€517k€563k▲
Appropriation of the result
Profit (loss) to be appropriated9906€574k€621k▲
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer from equity791/2€266k-
Transfer to equity691/2€517k€563k▲
To other reserves6921€517k€563k▲
Profit to be distributed694/7€266k-
Return on contributions (dividend)694€266k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | - | €9k | - |
| Other operating charges640/8 | - | €21k | €30k | ▲ 42.8% |
| Non-recurring operating charges66A | - | €79k | €-1k | ▼ 102% |
| Gross operating margin9900 | - | €-88k | €-107k | ▼ 22.2% |
| Operating profit (loss)9901 | €-2k | €-188k | €-145k | ▲ 22.8% |
| Financial income75/76B | €83k | €538k | €1.20M | ▲ 123% |
| Recurring financial income75 | €83k | €538k | €1.20M | ▲ 123% |
| Financial charges65/66B | €24k | €-304k | €186k | ▲ 161% |
| Recurring financial charges65 | €24k | €-304k | €186k | ▲ 161% |
| Profit (loss) for the period before taxes9903 | €58k | €654k | €868k | ▲ 32.7% |
| Income taxes67/77 | - | €137k | €305k | ▲ 122% |
| Profit (loss) for the period9904 | €58k | €517k | €563k | ▲ 8.9% |
| Profit (loss) for the period to be appropriated9905 | €58k | €517k | €563k | ▲ 8.9% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €12.30M | €12.79M | €13.34M | ▲ 4.3% |
| Formation expenses20 | - | - | €0 | - |
| Fixed assets21/28 | - | €15k | €33k | ▲ 117% |
| Tangible fixed assets22/27 | - | €15k | €33k | ▲ 117% |
| Furniture and vehicles24 | - | €15k | €33k | ▲ 117% |
| Current assets29/58 | €12.30M | €12.77M | €13.30M | ▲ 4.2% |
| Amounts receivable after more than one year29 | €1.78M | €1.52M | €1.52M | = |
| Other amounts receivable291 | €1.78M | €1.52M | €1.52M | = |
| Amounts receivable within one year40/41 | - | €6k | €7k | ▲ 6.2% |
| Trade receivables40 | - | €5k | €473 | ▼ 91.1% |
| Other amounts receivable41 | - | €860 | €6k | ▲ 604% |
| Current investments50/53 | - | €10.99M | €11.73M | ▲ 6.8% |
| Cash at bank and in hand54/58 | €10.43M | €253k | €44k | ▼ 82.5% |
| Deferred charges and accrued income490/1 | €83k | - | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €12.30M | €12.79M | €13.34M | ▲ 4.3% |
| Equity10/15 | €12.27M | €12.34M | €12.90M | ▲ 4.6% |
| Contributions10/11 | €34k | €34k | €34k | = |
| Reserves13 | €12.18M | €12.25M | €12.81M | ▲ 4.6% |
| Non-distributable reserves130/1 | €12.18M | - | - | - |
| Other1319 | €12.18M | - | - | - |
| Distributable reserves133 | - | €12.25M | €12.81M | ▲ 4.6% |
| Profit (loss) carried forward14 | €58k | €58k | €58k | = |
| Amounts payable17/49 | €26k | €446k | €435k | ▼ 2.5% |
| Amounts payable within one year42/48 | €2k | €446k | €435k | ▼ 2.5% |
| Trade debts44 | €2k | €38k | €14k | ▼ 63.8% |
| Suppliers440/4 | €2k | €38k | €14k | ▼ 63.8% |
| Taxes, remuneration and social security45 | - | €90k | €344k | ▲ 283% |
| Taxes450/3 | - | €90k | €331k | ▲ 269% |
| Remuneration and social security454/9 | - | - | €13k | - |
| Other amounts payable47/48 | - | €318k | €77k | ▼ 75.8% |
| Accrued charges and deferred income492/3 | €24k | - | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €58k | €517k | €563k | ▲ 8.9% |
| + Depreciation and write-downs630 | €2k | - | €9k | - |
| Operating cash flow (approximation) | €59k | €517k | €572k | ▲ 10.7% |
| Investment in fixed assets (approximation) | - | - | €-27k | - |
| Change in cash | - | €-10.18M | €-209k | ▲ 97.9% |
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
2026
05-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 158 days late
2025
07-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 160 days late
2024
31-12
Financial
Highest result since 2022net €563k ▲8.9%
Net result €563k, the highest in the series.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
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, Ukkel
Ground area
1,137 m²
Building footprint
158 m²
Volume, LiDAR
1,135 m³
Parcel 21612D0024/00M003, Brussels · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0024/00M003 | Brussels | 1,137 m² | 1 · 158 m² | 12.3 m · 3 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
8755006DA92L761LCJ44
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Of 2,002 companies in sector 85520 we hold annual accounts for 121. 7 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
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
85520Cultural education
Scores and ratios are computed by Checked and are not a credit decision.