CAMAT
ActiveSummary
CAMAT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,844 and a net result of €799,332. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency27▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.44 in 2024; short-term debt: 97.6% and cash: 27.8% of total assets), and 97.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
2.4%
Return on assets
76.9%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8737 sector peers (2025).
NBB · sector comparisonPosition among 8737 sector peers
Solvency
better than 10%
← weakest
strongest →
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 28-04-2026, 94 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
94 d early
2024
38 d early
2023
44 d early
2022
42 d early
2021
38 d early
2020
36 d early
2019
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€24,844=
2024 · €24,844
Total assets
€1.0m▲ 13.4%
2024 · €916,111
Net result
€799,332▲ 51.2%
2024 · €528,523
Working capital
-€621,949▼ 24.2%
2024 · -€500,701
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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
Line20212022202320242025
Operating result€458,045▲ 5.6%€475,529▲ 3.8%€745,694▲ 56.8%€654,091▼ 12.3%€1.1m▲ 62.4%
Net result€346,622above the sector's middle half▲ 5.4%€365,144above the sector's middle half▲ 5.3%€563,961above the sector's middle half▲ 54.4%€528,523above the sector's middle half▼ 6.3%€799,332above the sector's middle half▲ 51.2%
Equity€371,467above the sector's middle half▼ 42.4%€436,611above the sector's middle half▲ 17.5%€650,571above the sector's middle half▲ 49.0%€24,844below the sector's middle half▼ 96.2%€24,844below the sector's middle half=
Total assets€403,695within the sector's middle half▼ 39.8%€483,571within the sector's middle half▲ 19.8%€741,908above the sector's middle half▲ 53.4%€916,111within the sector's middle half▲ 23.5%€1.0mwithin the sector's middle half▲ 13.4%
Debt€32,228▲ 25.9%€46,961▲ 45.7%€91,337▲ 94.5%€891,267▲ 876%€1.0m▲ 13.8%
Working capital€328,566▼ 43.6%€401,053▲ 22.1%€375,978▼ 6.3%-€500,701-€621,949▼ 24.2%
Solvency92.0%above the sector's middle half▼ 4.2pp90.3%above the sector's middle half▼ 1.7pp87.7%above the sector's middle half▼ 2.6pp2.7%below the sector's middle half▼ 85.0pp2.4%below the sector's middle half▼ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, 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.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€646,793 ▲ 23.1%
Current assets
€392,174 ▲ 0.4%
Equity and liabilities €1.0m
Equity
€24,844 =
Debt
€1.0m ▲ 13.8%
Debt's share of the balance-sheet total rises from 97.3% to 97.6%. Debt is higher.
Key figures and ratios
EBITDA
€1.1m▲
2024 · €666,437
Cash flow
€820,185▲
2024 · €540,869
Current ratio
0.39▼
2024 · 0.44
Debt to equity
40.82▲
2024 · 35.87
ROA
76.9%▲
2024 · 57.7%
Interest coverage
2780.98▼
2024 · 11691.88
Debt ≤ 1 year
€1.0m▲
2024 · €891,267
Income taxes
€262,340▲
2024 · €161,348
A ratio outside any meaningful range has been withheld (balance sheet total €1.0m, equity €24,844).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 875 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.1%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 875 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,971 | €21,273 | €41,710 | €12,345 | €20,852 | ▲ 68.9% |
| Other operating charges640/8 | €452 | €405 | €448 | €451 | €584 | ▲ 29.5% |
| Gross operating margin9900 | €479,469 | €497,207 | €787,853 | €666,888 | €1.1m | ▲ 62.5% |
| Operating profit (loss)9901 | €458,045 | €475,529 | €745,694 | €654,091 | €1.1m | ▲ 62.4% |
| Financial income75/76B | - | €5,362 | €1,722 | €35,837 | - | - |
| Recurring financial income75 | - | €5,362 | €1,722 | €35,837 | - | - |
| Financial charges65/66B | €46 | €54 | €56 | €57 | €389 | ▲ 583% |
| Recurring financial charges65 | €46 | €54 | €56 | €57 | €389 | ▲ 583% |
| Profit (loss) for the period before taxes9903 | €457,999 | €480,837 | €747,360 | €689,871 | €1.1m | ▲ 53.9% |
| Income taxes67/77 | €111,377 | €115,694 | €183,400 | €161,348 | €262,340 | ▲ 62.6% |
| Profit (loss) for the period9904 | €346,622 | €365,144 | €563,961 | €528,523 | €799,332 | ▲ 51.2% |
| Profit (loss) for the period to be appropriated9905 | €346,622 | €365,144 | €563,961 | €528,523 | €799,332 | ▲ 51.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €403,695 | €483,571 | €741,908 | €916,111 | €1.0m | ▲ 13.4% |
| Fixed assets21/28 | €42,900 | €35,558 | €274,593 | €525,545 | €646,793 | ▲ 23.1% |
| Tangible fixed assets22/27 | €42,900 | €35,558 | €274,593 | €525,545 | €646,793 | ▲ 23.1% |
| Land and buildings22 | - | - | €248,086 | €493,731 | €601,272 | ▲ 21.8% |
| Plant, machinery and equipment23 | €1,535 | €14,875 | €26,508 | €31,814 | €32,989 | ▲ 3.7% |
| Furniture and vehicles24 | €41,365 | €20,683 | - | - | €12,532 | - |
| Current assets29/58 | €360,794 | €448,014 | €467,315 | €390,566 | €392,174 | ▲ 0.4% |
| Amounts receivable within one year40/41 | €42,645 | €46,151 | €71,071 | €80,303 | €96,705 | ▲ 20.4% |
| Trade receivables40 | €42,645 | €46,151 | €71,071 | €80,303 | €94,601 | ▲ 17.8% |
| Other amounts receivable41 | - | - | - | - | €2,103 | - |
| Current investments50/53 | €162,112 | €203,753 | €204,958 | - | - | - |
| Cash at bank and in hand54/58 | €152,271 | €188,916 | €185,176 | €303,984 | €289,131 | ▼ 4.9% |
| Deferred charges and accrued income490/1 | €3,767 | €9,194 | €6,110 | €6,279 | €6,338 | ▲ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €403,695 | €483,571 | €741,908 | €916,111 | €1.0m | ▲ 13.4% |
| Equity10/15 | €371,467 | €436,611 | €650,571 | €24,844 | €24,844 | = |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €352,867 | €418,011 | €631,971 | €6,244 | €6,244 | = |
| Tax-exempt reserves132 | €6,244 | €6,244 | €6,244 | €6,244 | €6,244 | = |
| Distributable reserves133 | €346,622 | €411,766 | €625,727 | - | - | - |
| Amounts payable17/49 | €32,228 | €46,961 | €91,337 | €891,267 | €1.0m | ▲ 13.8% |
| Amounts payable within one year42/48 | €32,228 | €46,961 | €91,337 | €891,267 | €1.0m | ▲ 13.8% |
| Trade debts44 | €1,045 | €10,477 | €9,905 | €6,740 | €3,047 | ▼ 54.8% |
| Suppliers440/4 | €1,045 | €10,477 | €9,905 | €6,740 | €3,047 | ▼ 54.8% |
| Taxes, remuneration and social security45 | €23,684 | €30,368 | €73,708 | €38,007 | €45,564 | ▲ 19.9% |
| Taxes450/3 | €23,684 | €30,368 | €73,708 | €38,007 | €45,564 | ▲ 19.9% |
| Other amounts payable47/48 | €7,499 | €6,116 | €7,723 | €846,520 | €965,512 | ▲ 14.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €346,622 | €365,144 | €563,961 | €528,523 | €799,332 | ▲ 51.2% |
| + Depreciation and write-downs630 | €20,971 | €21,273 | €41,710 | €12,345 | €20,852 | ▲ 68.9% |
| Operating cash flow (approximation) | €367,594 | €386,417 | €605,671 | €540,869 | €820,185 | ▲ 51.6% |
| Investment in fixed assets (approximation) | - | -€13,930 | -€280,746 | -€263,298 | -€142,100 | ▲ 46.0% |
| Change in cash | - | €36,645 | -€3,740 | €118,809 | -€14,853 | ▼ 113% |
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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
09-03
State Gazette act
General meeting · Director resignation
Board composition · Permanent representative
25-02
State Gazette act
General meeting · Director appointment
Permanent representative · Board meeting
25-02
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
2025
31-12
Financial
Highest result since 2018net €799,332 ▲51.2%
Operating result €1.1m, net result €799,332, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €650,571 ▲49%
6 profitable years in a row build equity to €650,571.
13-11
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
20-07
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Show earlier events
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 23.76
Current ratio from 11.34 to 23.76.
31-12
Financial
Equity above €500,000Eq €644,757 ▲108%
3 profitable years in a row build equity to €644,757.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 11.34
Current ratio from 2.71 to 11.34; short-term debt falls from €69,548 to €22,084.
31-12
Financial
Equity above €200,000Eq €309,655 ▲158%
2 profitable years in a row build equity to €309,655.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-10
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Overijse · 1 establishment unit since 2018
Ground area
1,950 m²
Building footprint
274 m²
Volume, LiDAR
1,460 m³
Parcel 23543O0005/00M011, Flanders · tallest building 24.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CAMAT
since 20182.277.418.755
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543O0005/00M011 | Flanders | 1,949 m² | 1 · 274 m² | 24.6 m · 1 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.
Structure & network
Connections & network
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 32,856 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
Founded21-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0698690604
Also
9925:BE0698690604
Registered
30-01-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.