Summary
CAMEDCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19k and a net result of €138k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 8023 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 11%
← 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 11-02-2026, 170 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
170 d early
2024
150 d early
2023
124 d early
2022
69 d early
2021
131 d early
2020
65 d early
2019
11 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 93.0%
2024 · €264k
2018: €290k
2019: €61k
2020: €123k
2021: €115k
2022: €253k
2023: €130k
2024: €264k
2018 → 2025
Net result
€138k▲ 2.9%
2024 · €134k
2018: €118k
2019: €70k
2020: €102k
2021: €52k
2022: €137k
2023: €137k
2024: €134k
2018 → 2025
Total assets
€474k▼ 26.2%
2024 · €642k
2018: €560k
2019: €404k
2020: €403k
2021: €574k
2022: €738k
2023: €685k
2024: €642k
2018 → 2025
Solvency
3.9%▼ 37.2pp
2024 · 41.2%
2018: 51.8%
2019: 15.1%
2020: 30.6%
2021: 20.1%
2022: 34.3%
2023: 19.0%
2024: 41.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€253k▲ 119%€130k▼ 48.6%€264k▲ 103%€19k▼ 93.0%
Operating result€72k-€187k▲ 160%€184k▼ 2.0%€180k▼ 1.7%€186k▲ 3.3%
Net result€52k-€137k▲ 164%€137k▼ 0.3%€134k▼ 2.0%€138k▲ 2.9%
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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€344k ▼ 12.0%
Current assets
€130k ▼ 48.3%
Equity and liabilities €474k
Equity
€19k ▼ 93.0%
Debt
€455k ▲ 20.6%
Debt's share of the balance-sheet total rises from 58.8% to 96.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
741.8%▲
2024 · 50.8%
ROA
29.1%▲
2024 · 20.9%
Debt ≤ 1 year
€198k▲
2024 · €81k
Debt > 1 year
€256k▼
2024 · €296k
Income taxes
€47k▲
2024 · €45k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€642k€474k▼
Fixed assets21/28€392k€344k▼
Tangible fixed assets22/27€392k€344k▼
Land and buildings22€352k€320k▼
Furniture and vehicles24€37k€21k▼
Other tangible fixed assets26€3k€3k▲
Current assets29/58€251k€130k▼
Amounts receivable within one year40/41€27k€27k▲
Trade receivables40€25k€27k▲
Other amounts receivable41€2k€668▼
Current investments50/53€175k€0▼
Cash at bank and in hand54/58€48k€101k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€642k€474k▼
Equity10/15€264k€19k▼
Contributions10/11€19k€19k=
Reserves13€246k€78▼
Distributable reserves133€246k€78▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€378k€455k▲
Amounts payable after more than one year17€296k€256k▼
Financial debts170/4€296k€256k▼
Amounts payable within one year42/48€81k€198k▲
Current portion of amounts payable after more than one year42€47k€40k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Advances received on contracts in progress46-€680
Taxes, remuneration and social security45€18k€13k▼
Taxes450/3€18k€13k▼
Other amounts payable47/48€14k€141k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€50k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€235k€242k▲
Operating profit (loss)9901€180k€186k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€180k€185k▲
Income taxes67/77€45k€47k▲
Profit (loss) for the period9904€134k€138k▲
Profit (loss) for the period to be appropriated9905€134k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€134k€138k▲
Transfer from equity791/2€0€246k▲
Transfer to equity691/2€134k€76▼
To other reserves6921€134k€76▼
Profit to be distributed694/7€0€384k▲
Return on contributions (dividend)694€0€384k▲
The notes to these accounts (10 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €138k ▲2.9%
Net result €138k, the highest in the series.
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.10
Current ratio from 1.16 to 3.10; short-term debt falls from €210k to €81k.
31-12
Financial
Equity above €200kEq €264k ▲103%
7 profitable years in a row build equity to €264k.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €253k ▲119%
5 profitable years in a row build equity to €253k.
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €52k ▼49.3%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €123k ▲103%
3 profitable years in a row build equity to €123k.
Show earlier events
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
13-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Zulte · 1 establishment unit since 2015
Ground area
758 m²
Building footprint
164 m²
Volume, LiDAR
978 m³
Parcel 44081B0611/00D007, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAMEDCO
since 20152.284.632.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081B0611/00D007 | Flanders | 758 m² | 1 · 164 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,174 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
Founded03-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0000000000