CaMaRoCo
ActiveSummary
The computed 12-month bankruptcy probability of CaMaRoCo is 2.3% (moderate). The 2025 annual accounts show equity of €36k and a net result of €2k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 13305 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+5
Solvency71▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.81 in 2024; short-term debt: 38.8% and cash: 16.7% of total assets), and 54.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
20 d late
2023
56 d late
2022
42 d early
2021
16 d late
2020
22 d late
2019
102 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 5.3%
2024 · €34k
2019: €26k
2020: €50k
2021: €16k
2022: €33k
2023: €35k
2024: €34k
2019 → 2025
Total assets
€78k▼ 17.1%
2024 · €94k
2019: €62k
2020: €165k
2021: €109k
2022: €116k
2023: €97k
2024: €94k
2019 → 2025
Net result
€2k
2024 · €-1k
2019: €-6k
2020: €24k
2021: €-34k
2022: €16k
2023: €3k
2024: €-1k
2019 → 2025
Working capital
€-7k▲ 1.4%
2024 · €-7k
2019: €19k
2020: €8k
2021: €-32k
2022: €-4k
2023: €-12k
2024: €-7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€33k▲ 101%€35k▲ 8.2%€34k▼ 3.9%€36k▲ 5.3%
Operating result€-32k-€20k€7k▼ 64.3%€852▼ 88.2%€4k▲ 371%
Net result€-34k-€16k€3k▼ 83.7%€-1k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 371% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€55k ▼ 16.1%
Current assets
€23k ▼ 19.5%
Equity and liabilities €78k
Equity
€36k ▲ 5.3%
Debt
€42k ▼ 29.8%
Debt's share of the balance-sheet total falls from 64.0% to 54.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €14k
Cash flow
€14k▲
2024 · €12k
Current ratio
0.77▼
2024 · 0.81
Quick ratio
0.58▼
2024 · 0.62
Debt to equity
1.19▼
2024 · 1.78
ROE
5.0%▲
2024 · -4.1%
ROA
2.3%▲
2024 · -1.5%
Interest coverage
14.44▲
2024 · 7.74
Debt ≤ 1 year
€30k▼
2024 · €36k
Debt > 1 year
€7k▼
2024 · €15k
Income taxes
€1k▲
2024 · €410
Staff costs
€51k▼
2024 · €51k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€78k▼
Fixed assets21/28€65k€55k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€64k€54k▼
Land and buildings22€36k€33k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€11k€9k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€800€800=
Current assets29/58€29k€23k▼
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€418-
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€9k€13k▲
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€94k€78k▼
Equity10/15€34k€36k▲
Contributions10/11€13k€13k=
Reserves13€21k€23k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€19k€21k▲
Amounts payable17/49€60k€42k▼
Amounts payable after more than one year17€15k€7k▼
Financial debts170/4€15k€7k▼
Amounts payable within one year42/48€36k€30k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€9k€4k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€13k€8k▼
Accrued charges and deferred income492/3€9k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€51k€51k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€5k€8k▲
Gross operating margin9900€70k€75k▲
Operating profit (loss)9901€852€4k▲
Financial income75/76B€1€5▲
Recurring financial income75€1€5▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-977€3k▲
Income taxes67/77€410€1k▲
Profit (loss) for the period9904€-1k€2k▲
Profit (loss) for the period to be appropriated9905€-1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€2k▲
Transfer from equity791/2€1k-
Transfer to equity691/2-€2k
To other reserves6921-€2k
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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-06
Financial
Weakest financial yearnet €-34k ▼241%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 22 days late
2020
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 162 days late
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 26 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, Begijnendijk · 2 establishment units since 2016
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.
Baalsesteenweg 73130 BegijnendijkGround area
1.7 ha
Building footprint
3,470 m²
Volume, LiDAR
19,704 m³
2 parcels, Flanders · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Turf Café
since 20162.254.922.475
De Tumkens
since 20162.254.922.574
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010B0211/00K000 | Flanders | 1.7 ha | 1 · 3,288 m² | 11.2 m · 1 fl. |
| 24007A0241/00H000 | Flanders | 271 m² | 1 · 182 m² | 8.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBegijnendijk2.254.922.475
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 4,106 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 (pre-2019)
Founded30-06-2016
Fiscal year end30-06
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.