CAMBIER-EVRARD

Active

Public limited companyfounded 1998active for 27 yearsAvenue de Troyes(TOU) 2, 7500 Tournai, Belgium14 active companies are registered at this addressKBO/BCE: BE 0464.713.241

Summary

The computed 12-month bankruptcy probability of CAMBIER-EVRARD is 1.8% (moderate). The 2025 annual accounts show equity of €78,932 and a net result of -€4,982. Equity is growing by about 5% per year across the filed financial years. Its solvency ranks better than 14% of 540 sector peers (NACE 77, financial year 2025). The company has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

CAMBIER-EVRARDActiveChecked score 54/100

Risk analysis Report Compare

Activity

Renting and leasing of other personal and household goods

NACE 77229Agents and brokers in banking services NACE 66191

1 site

Size

€921,352total assets 2025

Staff: 7.8 FTE
Equity: €78,932
Loss: -€4,982

Financial health

54 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.8%

Structure

Largest shareholder: AVIX · 49.87%

AvixManaging director · permanent representative Frédéric CAMBIER
Grégory POMMEDirector
MLN EVRARD CONSULTManaging director · permanent representative Michaël EVRARD

2025 accounts filed 5 days late2 of 13 deeds summarised

Why 54raises riskLiquidity: current ratio 0.41, cash €5,624Size: 7.8 FTE, total assets €921,352Equity €78,932 (8.6% of total assets)lowers riskFounded in 1998Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 33% of its sector peers (NACE 77, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 34+1

equity 8.6% of total assets

Liquidity 28-6

short-term debt 46.2% · cash 0.6%

Profitability 68-3

return on assets -0.5%

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,165 companies, NACE 77, micro)

Last 24 months 11-2024: 2.5% 12-2024: 2.5%● unchanged vs 11-2024 01-2025: 2.5%● unchanged vs 12-2024 02-2025: 2.6%▲ +0.1 percentage points vs 01-2025 03-2025: 2.5%▼ -0.1 percentage points vs 02-2025 04-2025: 2.5%● unchanged vs 03-2025 05-2025: 2.5%● unchanged vs 04-2025 06-2025: 2.4%▼ -0.1 percentage points vs 05-2025 07-2025: 2.7%▲ +0.3 percentage points vs 06-2025 08-2025: 3.6%▲ +0.9 percentage points vs 07-2025highest value 09-2025: 1.9%▼ -1.7 percentage points vs 08-2025 10-2025: 1.9%● unchanged vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.9%● unchanged vs 02-2026 04-2026: 1.9%● unchanged vs 03-2026 05-2026: 1.9%● unchanged vs 04-2026 06-2026: 1.8%▼ -0.1 percentage points vs 05-2026 07-2026: 1.8%● unchanged vs 06-2026 08-2026: 3.0%▲ +1.2 percentage points vs 07-2026 09-2026: 1.8%▼ -1.2 percentage points vs 08-2026lowest value 10-2026: 1.8%● unchanged vs 09-2026lowest value

Credit of up to €4,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.41, compared with 0.39 in 2024, below 1; short-term debt: 46.2% and cash: 0.6% of total assets), and 91.4% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 77, micro): better than 27% on solvency, 25% on liquidity, 47% on profitability and 31% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Liquidity: current ratio 0.41, cash €5,624

NBB · annual accounts

Size: 7.8 FTE, total assets €921,352

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Equity €78,932 (8.6% of total assets)

NBB · annual accounts

Founded in 1998

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 540 sector peers (2025).

NBB · sector comparison

Position among 540 sector peers

Solvency

better than 14%

← weakest strongest →

2025 accounts filed 5 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

5 days late

2024

1 day late

2023

55 days late

2022

32 days late

2021

90 days early

2020

24 days late

2019

90 days late

← 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 17 days after the deadline; the sector median (NACE 77) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 August (4 of the last 5 filed years within 51 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

05-08-2026 Annual accounts filedfinancial year 2025 · full…
26-01-2026 Resignation: OMNIGEST (director and managing director)Appointment: AVIX (director and managing…
01-08-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Caution: Among the weakest 14% on equitysector median €1.3m · 540 companies €78,932 View
Board changedlatest change 10-11-2025 · 3 in office 1 joined · 1 left View
Active since 1998founded 02-12-1998 27 years View

By topic

Financials

Financial year: 2025
Total assets: €921,352
Loss: -€4,982
Solvency: 8.6%

Total assets▼ 13.1%

Net result

20182025

Go to Financials

Board & ownership

Board: 3 members
Largest shareholder: AVIX · 49.87%

AvixManaging director
Grégory POMMEDirector
MLN EVRARD CONSULTManaging director

Go to Board & ownership

Timeline

Events: 33
Since: 2000
Next accounts: by 31-07-2027

31-12-2024Back to profit
24-09-2024Annual accounts filed
25-01-2024Reappointments: OMNIGEST, MLN Evrard Consult and Grégory…

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Renting and leasing of other personal and household…NACE 77229
Founded: 02-12-1998
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 29

Annual meeting: Fourth Monday of June at 15:00
Purpose: “Toutes opérations se rapportant directement ou indirectement au courtage en assurances et…” (deed in French)

Go to Articles of association

Key facts about CAMBIER-EVRARD

What is the company number of CAMBIER-EVRARD?: 0464.713.241. In Belgium the VAT number is the company number with BE in front: BE 0464.713.241.
Where is CAMBIER-EVRARD based?: The registered office is at Avenue de Troyes(TOU) 2, 7500 Tournai.Company details
What does CAMBIER-EVRARD do?: According to the KBO register, the main activity is renting and leasing of other personal and household goods (NACE 77229).
What is the legal form of CAMBIER-EVRARD?: Public limited company (NV).
When was CAMBIER-EVRARD founded?: On 02-12-1998.
Is CAMBIER-EVRARD still active?: Yes, CAMBIER-EVRARD is an active enterprise in the KBO register.
How many employees does CAMBIER-EVRARD have?: On average 7.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CAMBIER-EVRARD?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is CAMBIER-EVRARD profitable?: In financial year 2025, CAMBIER-EVRARD made a loss of €4,982.
Where can I find the annual accounts of CAMBIER-EVRARD?: CAMBIER-EVRARD filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CAMBIER-EVRARD due?: By 31-07-2027, for financial year 2026.Timeline