CAMBRELIN
ActiveSummary
CAMBRELIN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €-46k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-99
Solvency77▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.39 in 2024; short-term debt: 46.8% and cash: 1.3% of total assets), and 47.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.1%
Return on assets
-26.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
35 d early
2022
46 d early
2021
29 d late
2020
52 d early
2019
30 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▼ 33.5%
2024 · €137k
2018: €61klowest in 8 years
2019: €76k▲ +24.5% vs 2018
2020: €83k▲ +8.6% vs 2019
2021: €87k▲ +5.1% vs 2020
2022: €99k▲ +13.6% vs 2021
2023: €83k▼ -15.9% vs 2022
2024: €137k▲ +64.5% vs 2023highest in 8 years
2025: €91k▼ -33.5% vs 2024
2018 → 2025
Total assets
€175k▼ 20.2%
2024 · €219k
2018: €200k
2019: €183k▼ -8.6% vs 2018
2020: €191k▲ +4.6% vs 2019
2021: €187k▼ -2.3% vs 2020
2022: €216k▲ +15.3% vs 2021
2023: €192k▼ -11.1% vs 2022
2024: €219k▲ +14.2% vs 2023highest in 8 years
2025: €175k▼ -20.2% vs 2024lowest in 8 years
2018 → 2025
Net result
€-46k
2024 · €54k
2018: €15k
2019: €15k▲ +3.0% vs 2018
2020: €7k▼ -56.5% vs 2019
2021: €4k▼ -35.6% vs 2020
2022: €12k▲ +182% vs 2021
2023: €-16k▼ -233% vs 2022
2024: €54k▲ +440% vs 2023highest in 8 years
2025: €-46k▼ -186% vs 2024lowest in 8 years
2018 → 2025
Working capital
€66k▼ 41.7%
2024 · €113k
2018: €41klowest in 8 years
2019: €69k▲ +68.4% vs 2018
2020: €72k▲ +4.8% vs 2019
2021: €71k▼ -1.9% vs 2020
2022: €87k▲ +23.3% vs 2021
2023: €76k▼ -12.9% vs 2022
2024: €113k▲ +48.4% vs 2023highest in 8 years
2025: €66k▼ -41.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€99k▲ 13.6%€83k▼ 15.9%€137k▲ 64.5%€91k▼ 33.5%
2021: €87k
2022: €99k▲ +13.6% vs 2021
2023: €83k▼ -15.9% vs 2022lowest in 5 years
2024: €137k▲ +64.5% vs 2023highest in 5 years
2025: €91k▼ -33.5% vs 2024
Operating result€11k-€20k▲ 82.5%€-13k€77k€-45k
2021: €11k
2022: €20k▲ +82.5% vs 2021
2023: €-13k▼ -164% vs 2022
2024: €77k▲ +697% vs 2023highest in 5 years
2025: €-45k▼ -158% vs 2024lowest in 5 years
Net result€4k-€12k▲ 182%€-16k€54k€-46k
2021: €4k
2022: €12k▲ +182% vs 2021
2023: €-16k▼ -233% vs 2022
2024: €54k▲ +440% vs 2023highest in 5 years
2025: €-46k▼ -186% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €45k after €77k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€27k ▲ 7.2%
Current assets
€147k ▼ 23.8%
Equity and liabilities €175k
Equity
€91k ▼ 33.5%
Debt
€84k ▲ 2.0%
Debt's share of the balance-sheet total rises from 37.4% to 47.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-37k▼
2024 · €83k
Cash flow
€-39k▼
2024 · €59k
Current ratio
1.80▼
2024 · 2.39
Quick ratio
1.11▼
2024 · 1.86
Debt to equity
0.92▲
2024 · 0.60
ROE
-50.5%▼
2024 · 39.2%
ROA
-26.3%▼
2024 · 24.5%
Interest coverage
-12.45▼
2024 · 17.44
Debt ≤ 1 year
€82k▲
2024 · €81k
Debt > 1 year
€2k
Income taxes
€485▼
2024 · €20k
Staff costs
€81k▼
2024 · €226k
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€219k€175k▼
Fixed assets21/28€25k€27k▲
Tangible fixed assets22/27€25k€27k▲
Plant, machinery and equipment23€19k€13k▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€7k€10k▲
Current assets29/58€194k€147k▼
Stocks and contracts in progress3€43k€56k▲
Stocks30/36€43k€45k▲
Contracts in progress37-€12k
Amounts receivable within one year40/41€114k€83k▼
Trade receivables40€62k€37k▼
Other amounts receivable41€52k€46k▼
Cash at bank and in hand54/58€31k€2k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€219k€175k▼
Equity10/15€137k€91k▼
Contributions10/11€6k€6k=
Reserves13€100k€100k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€100k€100k=
Profit (loss) carried forward14€31k€-15k▼
Amounts payable17/49€82k€84k▲
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€81k€82k▲
Current portion of amounts payable after more than one year42€8k€3k▼
Financial debts43€0€32k▲
Credit institutions430/8€0€32k▲
Trade debts44€50k€35k▼
Suppliers440/4€50k€35k▼
Taxes, remuneration and social security45€23k€11k▼
Taxes450/3€14k€11k▼
Remuneration and social security454/9€8k€104▼
Accrued charges and deferred income492/3€989€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€226k€81k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€315k€49k▼
Operating profit (loss)9901€77k€-45k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€74k€-45k▼
Income taxes67/77€20k€485▼
Profit (loss) for the period9904€54k€-46k▼
Profit (loss) for the period to be appropriated9905€54k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€-15k▼
Profit (loss) brought forward from the previous period14P€31k€31k=
Transfer to equity691/2€54k€0▼
To other reserves6921€54k€0▼
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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €147k | €154k | €280k | €226k | €81k | ▼ 64.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €5k | €5k | €6k | €7k | ▲ 30.5% |
| Other operating charges640/8 | €1k | €906 | €1k | €6k | €5k | ▼ 2.5% |
| Gross operating margin9900 | €173k | €180k | €273k | €315k | €49k | ▼ 84.3% |
| Operating profit (loss)9901 | €11k | €20k | €-13k | €77k | €-45k | ▼ 158% |
| Financial income75/76B | €494 | €115 | €1k | €1k | €2k | ▲ 104% |
| Recurring financial income75 | €494 | €115 | €1k | €1k | €2k | ▲ 104% |
| Financial charges65/66B | €5k | €3k | €3k | €5k | €3k | ▼ 37.1% |
| Recurring financial charges65 | €5k | €3k | €3k | €5k | €3k | ▼ 37.1% |
| Profit (loss) for the period before taxes9903 | €7k | €17k | €-15k | €74k | €-45k | ▼ 162% |
| Income taxes67/77 | €3k | €5k | €461 | €20k | €485 | ▼ 97.6% |
| Profit (loss) for the period9904 | €4k | €12k | €-16k | €54k | €-46k | ▼ 186% |
| Profit (loss) for the period to be appropriated9905 | €4k | €12k | €-16k | €54k | €-46k | ▼ 186% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €187k | €216k | €192k | €219k | €175k | ▼ 20.2% |
| Fixed assets21/28 | €17k | €12k | €7k | €25k | €27k | ▲ 7.2% |
| Tangible fixed assets22/27 | €17k | €12k | €7k | €25k | €27k | ▲ 7.2% |
| Plant, machinery and equipment23 | €17k | €12k | €7k | €19k | €13k | ▼ 31.8% |
| Furniture and vehicles24 | - | - | - | - | €4k | - |
| Other tangible fixed assets26 | - | - | - | €7k | €10k | ▲ 47.6% |
| Current assets29/58 | €170k | €204k | €184k | €194k | €147k | ▼ 23.8% |
| Stocks and contracts in progress3 | €41k | €51k | €37k | €43k | €56k | ▲ 30.3% |
| Stocks30/36 | €41k | €51k | €37k | €43k | €45k | ▲ 3.2% |
| Contracts in progress37 | - | - | - | - | €12k | - |
| Amounts receivable within one year40/41 | €125k | €150k | €147k | €114k | €83k | ▼ 27.0% |
| Trade receivables40 | €63k | €90k | €91k | €62k | €37k | ▼ 40.1% |
| Other amounts receivable41 | €62k | €59k | €56k | €52k | €46k | ▼ 11.5% |
| Current investments50/53 | €4k | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €3k | €0 | €31k | €2k | ▼ 92.7% |
| Deferred charges and accrued income490/1 | €597 | €186 | €341 | €6k | €5k | ▼ 1.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €187k | €216k | €192k | €219k | €175k | ▼ 20.2% |
| Equity10/15 | €87k | €99k | €83k | €137k | €91k | ▼ 33.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €35k | €46k | €46k | €100k | €100k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Distributable reserves133 | €34k | €45k | €45k | €100k | €100k | = |
| Profit (loss) carried forward14 | €46k | €46k | €31k | €31k | €-15k | ▼ 150% |
| Amounts payable17/49 | €100k | €117k | €108k | €82k | €84k | ▲ 2.0% |
| Amounts payable after more than one year17 | - | - | - | - | €2k | - |
| Financial debts170/4 | - | - | - | - | €2k | - |
| Amounts payable within one year42/48 | €100k | €117k | €108k | €81k | €82k | ▲ 1.1% |
| Current portion of amounts payable after more than one year42 | €9k | €2k | €2k | €8k | €3k | ▼ 61.9% |
| Financial debts43 | - | €26k | €19k | €0 | €32k | - |
| Credit institutions430/8 | - | - | €19k | €0 | €32k | - |
| Other loans439 | - | €26k | €0 | - | - | - |
| Trade debts44 | €46k | €62k | €52k | €50k | €35k | ▼ 30.3% |
| Suppliers440/4 | €46k | €62k | €52k | €50k | €35k | ▼ 30.3% |
| Taxes, remuneration and social security45 | €23k | €27k | €35k | €23k | €11k | ▼ 49.2% |
| Taxes450/3 | €400 | €2k | €0 | €14k | €11k | ▼ 21.1% |
| Remuneration and social security454/9 | €23k | €25k | €35k | €8k | €104 | ▼ 98.7% |
| Other amounts payable47/48 | €22k | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €989 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €12k | €-16k | €54k | €-46k | ▼ 186% |
| + Depreciation and write-downs630 | €14k | €5k | €5k | €6k | €7k | ▲ 30.5% |
| Operating cash flow (approximation) | €18k | €16k | €-11k | €59k | €-39k | ▼ 165% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-24k | €-9k | ▲ 61.0% |
| Change in cash | - | - | €-3k | €31k | €-28k | ▼ 193% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Equity above €100kEq €137k ▲64.5%
Equity rises from €83k to €137k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Brugge · 1 establishment unit since 2014
Ground area
583 m²
Building footprint
199 m²
Volume, LiDAR
1,106 m³
Parcel 31002A0317/00B004, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T' Zonnetje
since 20142.228.072.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31002A0317/00B004 | Flanders | 583 m² | 1 · 199 m² | 11.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 10 entries · 760,276 EUR awarded · 760,276 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | -12,966 EUR |
| 2024 | 2 | 281,779 EUR | 294,745 EUR |
| 2023 | 3 | 262,831 EUR | 262,831 EUR |
| 2022 | 3 | 215,666 EUR | 215,666 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Care and welfare
2 services · 0 live't Zonnetje kinderdagverblijf
't Zonnetje kinderdagverblijf
Dual-learning approval
2 endedMedewerker hout duaal (so)
Plaatser binnenschrijnwerk (so)
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Of 20,018 companies in sector 43320 we hold annual accounts for 9,132. 7,688 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
Founded03-02-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
88911Day nurseries and crèches
Contact
Phone
0479/474757Brugge
Scores and ratios are computed by Checked and are not a credit decision.