CAMARAD TEAM

Active

Private limited companyfounded 20224 yrs activeMutsaardplein 2, 1853 Grimbergen, BelgiumKBO/BCE: BE 0779.921.075

The computed 12-month bankruptcy probability of CAMARAD TEAM is 2.1% (moderate). The 2025 annual accounts show equity of €16k and a net result of €193. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 7431 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability69▼-31

Solvency68▼-25

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 1.7 against 3.02 in 2024; short-term debt: 57.1% and cash: 59.5% of total assets), but 57.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

56 d early

2023

49 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€16k▼ 16.8%

2024 · €20k

2023: €7k 2024: €20k

2023 → 2025

Total assets

€38k▲ 31.8%

2024 · €29k

2023: €20k 2024: €29k

2023 → 2025

Net result

€193▼ 98.4%

2024 · €12k

2023: €2k 2024: €12k

2023 → 2025

Working capital

€15k▼ 17.9%

2024 · €19k

2023: €5k 2024: €19k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€7k-€20k▲ 166%€16k▼ 16.8%

Operating result€4k-€14k▲ 210%€3k▼ 80.7%

Net result€2k-€12k▲ 414%€193▼ 98.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 81% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €38k

97.2%

Fixed assets €1k▲ 2.3%

Current assets €37k▲ 32.9%

Equity and liabilities €38k

42.9%

57.1%

Equity €16k▼ 16.8%

Debt €22k▲ 135%

The debt ratio rises from 32.0% to 57.1%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▼

2024 · €15k

Cash flow

€2k▼

2024 · €13k

Solvency

42.9%▼

2024 · 68.0%

Current ratio

1.70▼

2024 · 3.02

Quick ratio

1.70▼

2024 · 3.02

Debt / equity

1.33▲

2024 · 0.47

ROE

1.2%▼

2024 · 62.4%

ROA

0.5%▼

2024 · 42.5%

Interest coverage

13.31▲

2024 · 11.55

Debt

€22k▲

2024 · €9k

Debt ≤ 1 year

€22k▲

2024 · €9k

Income taxes

€2k

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€29k€38k▲

Fixed assets21/28€1k€1k▲

Tangible fixed assets22/27€1k€1k▲

Plant, machinery and equipment23€1k€1k▲

Current assets29/58€28k€37k▲

Amounts receivable within one year40/41€14k€14k▼

Trade receivables40€9k€2k▼

Other amounts receivable41€5k€12k▲

Cash at bank and in hand54/58€13k€23k▲

Deferred charges and accrued income490/1€470€267▼

Equity and liabilities

Total equity and liabilities10/49€29k€38k▲

Equity10/15€20k€16k▼

Contributions10/11€5k€5k=

Outside capital11€5k€5k=

Other1109/19€5k€5k=

Profit (loss) carried forward14€15k€11k▼

Amounts payable17/49€9k€22k▲

Amounts payable within one year42/48€9k€22k▲

Trade debts44€2k€12k▲

Suppliers440/4€2k€12k▲

Taxes, remuneration and social security45€155€2k▲

Taxes450/3€155€2k▲

Remuneration and social security454/9€0€0=

Other amounts payable47/48€7k€8k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲

Other operating charges640/8€2k€1k▼

Gross operating margin9900€17k€5k▼

Operating profit (loss)9901€14k€3k▼

Financial income75/76B€2-

Recurring financial income75€2-

Financial charges65/66B€1k€322▼

Recurring financial charges65€1k€322▼

Profit (loss) for the period before taxes9903€12k€2k▼

Income taxes67/77-€2k

Profit (loss) for the period9904€12k€193▼

Profit (loss) for the period to be appropriated9905€12k€193▼

Appropriation of the result

Profit (loss) to be appropriated9906€15k€11k▼

Profit (loss) brought forward from the previous period14P€2k€11k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €193 ▼98.4%

Net result drops to €193, the lowest in the series.

05-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Highest result since 2023net €12k ▲414%

Operating result €14k, net result €12k, both a record.

30-09

Financial Liquidity doublescurrent ratio 3.02

Current ratio from 1.40 to 3.02; short-term debt falls from €13k to €9k.

18-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 49 days late

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, Grimbergen · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Mutsaardplein 21853 Grimbergen

Ground area

1,519 m²

Building footprint

656 m²

Volume, LiDAR

8,880 m³

2 parcels, Brussels, Flanders · tallest building 22.0 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

CAMARAD TEAM

Gillebertusstraat 42, 1090 JetteManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20222.326.938.047

2 parcels

Flanders 1 (50%) Brussels 1 (50%)