CAMBRURE
ActiveSummary
CAMBRURE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €14k. Equity is growing by ~48.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▼-25
Solvency33▲+2
Growth71=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.39 in 2024; short-term debt: 21.9% and cash: 4.3% of total assets), and 92.4% 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.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-09-2025, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2026
not confirmed
2025
30 d late
2024
99 d early
2023
24 d early
2022
37 d early
2021
42 d early
2020
34 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€100k▼ 29.5%
2020 · €142k
2019: €87klowest in 3 years
2020: €142k▲ +64.0% vs 2019highest in 3 years
2021: €100k▼ -29.5% vs 2020
2019 → 2021
EBIT margin
57.6%▼ 12.8pp
2020 · 70.4%
2019: -127.2%lowest in 3 years
2020: 70.4%▲ +155% vs 2019highest in 3 years
2021: 57.6%▼ -18.1% vs 2020
2019 → 2021
Net result
€14k▼ 79.8%
2024 · €72k
2019: €-131klowest in 7 years
2020: €67k▲ +151% vs 2019
2021: €23k▼ -65.0% vs 2020
2022: €40k▲ +71.5% vs 2021
2023: €43k▲ +6.4% vs 2022
2024: €72k▲ +67.1% vs 2023highest in 7 years
2025: €14k▼ -79.8% vs 2024
2019 → 2025
Working capital
€-236k▼ 157%
2024 · €-92k
2019: €-224k
2020: €-178k▲ +20.5% vs 2019
2021: €-58k▲ +67.4% vs 2020
2022: €-13k▲ +77.6% vs 2021highest in 7 years
2023: €-41k▼ -211% vs 2022
2024: €-92k▼ -127% vs 2023
2025: €-236k▼ -157% vs 2024lowest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€100k-
Equity€-65k-€-25k▲ 61.5%€18k€89k▲ 406%€104k▲ 16.2%
2021: €-65klowest in 5 years
2022: €-25k▲ +61.5% vs 2021
2023: €18k▲ +170% vs 2022
2024: €89k▲ +406% vs 2023
2025: €104k▲ +16.2% vs 2024highest in 5 years
Operating result€58k-€75k▲ 29.8%€92k▲ 22.9%€132k▲ 43.7%€64k▼ 51.6%
2021: €58klowest in 5 years
2022: €75k▲ +29.8% vs 2021
2023: €92k▲ +22.9% vs 2022
2024: €132k▲ +43.7% vs 2023highest in 5 years
2025: €64k▼ -51.6% vs 2024
Net result€23k-€40k▲ 71.5%€43k▲ 6.4%€72k▲ 67.1%€14k▼ 79.8%
2021: €23k
2022: €40k▲ +71.5% vs 2021
2023: €43k▲ +6.4% vs 2022
2024: €72k▲ +67.1% vs 2023highest in 5 years
2025: €14k▼ -79.8% 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 falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.36M
Fixed assets
€1.30M ▼ 4.1%
Current assets
€61k ▲ 3.0%
Equity and liabilities €1.36M
Equity
€104k ▲ 16.2%
Debt
€1.25M ▼ 5.1%
Debt's share of the balance-sheet total falls from 93.7% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€100k▼
2024 · €167k
Cash flow
€50k▼
2024 · €106k
Current ratio
0.21▼
2024 · 0.39
Debt to equity
12.10▼
2024 · 14.82
ROE
14.0%▼
2024 · 80.2%
ROA
1.1%▼
2024 · 5.1%
Interest coverage
2.37▼
2024 · 4.83
Debt ≤ 1 year
€297k▲
2024 · €151k
Debt > 1 year
€956k▼
2024 · €1.17M
Income taxes
€7k▼
2024 · €26k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.41M€1.36M▼
Fixed assets21/28€1.35M€1.30M▼
Tangible fixed assets22/27€1.35M€1.30M▼
Land and buildings22€1.23M€1.21M▼
Plant, machinery and equipment23€123k€91k▼
Current assets29/58€59k€61k▲
Amounts receivable within one year40/41€1k€3k▲
Trade receivables40-€3k
Other amounts receivable41€1k-
Cash at bank and in hand54/58€58k€58k=
Equity and liabilities
Total equity and liabilities10/49€1.41M€1.36M▼
Equity10/15€89k€104k▲
Contributions10/11€19k€19k=
Reserves13-€14k
Distributable reserves133-€14k
Profit (loss) carried forward14€71k€71k=
Amounts payable17/49€1.32M€1.25M▼
Amounts payable after more than one year17€1.17M€956k▼
Financial debts170/4€1.15M€956k▼
Other amounts payable178/9€25k-
Amounts payable within one year42/48€151k€297k▲
Current portion of amounts payable after more than one year42€113k€164k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€26k€34k▲
Taxes450/3€26k€34k▲
Other amounts payable47/48-€96k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€11k€13k▲
Gross operating margin9900€178k€112k▼
Operating profit (loss)9901€132k€64k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€35k€42k▲
Recurring financial charges65€35k€42k▲
Profit (loss) for the period before taxes9903€98k€22k▼
Income taxes67/77€26k€7k▼
Profit (loss) for the period9904€72k€14k▼
Profit (loss) for the period to be appropriated9905€72k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€85k▲
Profit (loss) brought forward from the previous period14P€-965€71k▲
Transfer to equity691/2-€14k
To other reserves6921-€14k
The notes to these accounts (7 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €100k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33k | €34k | €34k | €35k | €36k | ▲ 1.9% |
| Other operating charges640/8 | - | €9k | €11k | €11k | €13k | ▲ 15.9% |
| Gross operating margin9900 | €100k | €118k | €137k | €178k | €112k | ▼ 36.9% |
| Operating profit (loss)9901 | €58k | €75k | €92k | €132k | €64k | ▼ 51.6% |
| Financial income75/76B | - | - | - | - | €0 | - |
| Recurring financial income75 | - | - | - | - | €0 | - |
| Financial charges65/66B | - | €35k | €34k | €35k | €42k | ▲ 21.7% |
| Recurring financial charges65 | €34k | €35k | €34k | €35k | €42k | ▲ 21.7% |
| Profit (loss) for the period before taxes9903 | €23k | €40k | €58k | €98k | €22k | ▼ 77.6% |
| Income taxes67/77 | - | - | €15k | €26k | €7k | ▼ 71.5% |
| Profit (loss) for the period9904 | €23k | €40k | €43k | €72k | €14k | ▼ 79.8% |
| Profit (loss) for the period to be appropriated9905 | €23k | €40k | €43k | €72k | €14k | ▼ 79.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.36M | €1.37M | €1.35M | €1.41M | €1.36M | ▼ 3.8% |
| Fixed assets21/28 | €1.32M | €1.29M | €1.26M | €1.35M | €1.30M | ▼ 4.1% |
| Tangible fixed assets22/27 | €1.32M | €1.29M | €1.26M | €1.35M | €1.30M | ▼ 4.1% |
| Land and buildings22 | - | €1.27M | €1.25M | €1.23M | €1.21M | ▼ 1.8% |
| Plant, machinery and equipment23 | - | €17k | €5k | €123k | €91k | ▼ 26.2% |
| Current assets29/58 | €42k | €74k | €97k | €59k | €61k | ▲ 3.0% |
| Amounts receivable within one year40/41 | - | - | €9k | €1k | €3k | ▲ 145% |
| Trade receivables40 | - | - | - | - | €3k | - |
| Other amounts receivable41 | - | - | €9k | €1k | - | - |
| Cash at bank and in hand54/58 | €42k | €74k | €88k | €58k | €58k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.36M | €1.37M | €1.35M | €1.41M | €1.36M | ▼ 3.8% |
| Equity10/15 | €-65k | €-25k | €18k | €89k | €104k | ▲ 16.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | - | - | - | - | €14k | - |
| Distributable reserves133 | - | - | - | - | €14k | - |
| Profit (loss) carried forward14 | €-84k | €-44k | €-965 | €71k | €71k | = |
| Amounts payable17/49 | €1.42M | €1.39M | €1.34M | €1.32M | €1.25M | ▼ 5.1% |
| Amounts payable after more than one year17 | €1.32M | €1.30M | €1.20M | €1.17M | €956k | ▼ 18.3% |
| Financial debts170/4 | - | €1.28M | €1.17M | €1.15M | €956k | ▼ 16.5% |
| Other amounts payable178/9 | - | €25k | €25k | €25k | - | - |
| Amounts payable within one year42/48 | €100k | €87k | €137k | €151k | €297k | ▲ 96.6% |
| Current portion of amounts payable after more than one year42 | - | €87k | €105k | €113k | €164k | ▲ 45.0% |
| Trade debts44 | - | - | €18k | €12k | €3k | ▼ 73.4% |
| Suppliers440/4 | - | - | €18k | €12k | €3k | ▼ 73.4% |
| Taxes, remuneration and social security45 | - | - | €14k | €26k | €34k | ▲ 32.3% |
| Taxes450/3 | - | - | €14k | €26k | €34k | ▲ 32.3% |
| Other amounts payable47/48 | - | - | - | - | €96k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €40k | €43k | €72k | €14k | ▼ 79.8% |
| + Depreciation and write-downs630 | €33k | €34k | €34k | €35k | €36k | ▲ 1.9% |
| Operating cash flow (approximation) | €56k | €75k | €77k | €106k | €50k | ▼ 53.0% |
| Investment in fixed assets (approximation) | - | €-9k | €0 | €-129k | €19k | ▲ 115% |
| Change in cash | - | €32k | €14k | €-30k | €16 | ▲ 100% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
31-01
Financial
Equity above €100kEq €104k ▲16.2%
6 profitable years in a row build equity to €104k.
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
Financial
Highest result since 2019net €72k ▲67.1%
Operating result €132k, net result €72k, both a record.
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-01
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Antwerpen · 1 establishment unit since 1996
Ground area
914 m²
Building footprint
262 m²
Volume, LiDAR
3,616 m³
Parcel 11810K1899/00T000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Arthur Goemaerelei 39, 2018 Antwerpen
since 19962.073.336.396
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1899/00T000 | Flanders | 914 m² | 1 · 262 m² | 17.9 m · 5 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.
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Of 12,020 companies in sector 68203 we hold annual accounts for 5,986. 3,808 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
Founded08-09-1995
Fiscal year end31-01
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.