CAMEE
ActiveSummary
CAMEE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €337k and a net result of €50k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 42% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+5
Solvency63=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 2.47 in 2024; short-term debt: 25.2% and cash: 46.4% of total assets), but 62% of the assets are financed with debt.
Credit advice 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
Sector 43
higher
← 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
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
38%
Return on assets
5.7%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
5 d early
2022
38 d early
2021
17 d early
2020
2 d early
2019
57 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€337k▲ 10.6%
2024 · €305k
2018: €304k
2019: €322k
2020: €315k
2021: €330k
2022: €309k
2023: €319k
2024: €305k
2018 → 2025
Total assets
€886k▲ 11.4%
2024 · €795k
2018: €638k
2019: €738k
2020: €856k
2021: €983k
2022: €935k
2023: €836k
2024: €795k
2018 → 2025
Net result
€50k▲ 244%
2024 · €15k
2018: €15k
2019: €18k
2020: €38k
2021: €53k
2022: €149k
2023: €10k
2024: €15k
2018 → 2025
Working capital
€455k▲ 28.1%
2024 · €355k
2018: €241k
2019: €389k
2020: €516k
2021: €566k
2022: €384k
2023: €362k
2024: €355k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€330k-€309k▼ 6.5%€319k▲ 3.3%€305k▼ 4.5%€337k▲ 10.6%
Operating result€64k-€156k▲ 144%€9k▼ 94.1%€13k▲ 43.5%€62k▲ 365%
Net result€53k-€149k▲ 183%€10k▼ 93.1%€15k▲ 41.8%€50k▲ 244%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 365% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €886k
Fixed assets
€209k ▲ 5.0%
Current assets
€678k ▲ 13.6%
Equity and liabilities €886k
Equity
€337k ▲ 10.6%
Debt
€549k ▲ 11.9%
Debt's share of the balance-sheet total rises from 61.7% to 62.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€146k▲
2024 · €92k
Cash flow
€134k▲
2024 · €93k
Current ratio
3.04▲
2024 · 2.47
Quick ratio
2.56▲
2024 · 1.99
Debt to equity
1.63▲
2024 · 1.61
ROE
14.9%▲
2024 · 4.8%
ROA
5.7%▲
2024 · 1.8%
Interest coverage
33.61▲
2024 · 17.36
Debt ≤ 1 year
€223k▼
2024 · €242k
Debt > 1 year
€67k▲
2024 · €39k
Income taxes
€27k▲
2024 · €15k
Staff costs
€443k▲
2024 · €346k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€795k€886k▲
Fixed assets21/28€199k€209k▲
Tangible fixed assets22/27€197k€207k▲
Plant, machinery and equipment23€2k€0▼
Furniture and vehicles24€155k€169k▲
Other tangible fixed assets26€40k€38k▼
Financial fixed assets28€1k€1k=
Current assets29/58€597k€678k▲
Stocks and contracts in progress3€115k€106k▼
Stocks30/36€115k€106k▼
Amounts receivable within one year40/41€134k€155k▲
Trade receivables40€109k€144k▲
Other amounts receivable41€25k€11k▼
Cash at bank and in hand54/58€343k€411k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€795k€886k▲
Equity10/15€305k€337k▲
Contributions10/11€6k€6k=
Reserves13€262k€294k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€260k€292k▲
Profit (loss) carried forward14€37k€37k=
Amounts payable17/49€491k€549k▲
Amounts payable after more than one year17€39k€67k▲
Financial debts170/4€39k€67k▲
Amounts payable within one year42/48€242k€223k▼
Current portion of amounts payable after more than one year42€49k€50k▲
Trade debts44€123k€114k▼
Suppliers440/4€123k€114k▼
Advances received on contracts in progress46€11k€0▼
Taxes, remuneration and social security45€51k€58k▲
Taxes450/3€22k€42k▲
Remuneration and social security454/9€28k€16k▼
Other amounts payable47/48€8k€1k▼
Accrued charges and deferred income492/3€210k€260k▲
Income statement
Code20242025
Remuneration, social security and pensions62€346k€443k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€84k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€444k€593k▲
Operating profit (loss)9901€13k€62k▲
Financial income75/76B€22k€19k▼
Recurring financial income75€22k€19k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€30k€77k▲
Income taxes67/77€15k€27k▲
Profit (loss) for the period9904€15k€50k▲
Profit (loss) for the period to be appropriated9905€15k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€87k▲
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer from equity791/2€29k€18k▼
Transfer to equity691/2€15k€50k▲
To other reserves6921€15k€50k▲
Profit to be distributed694/7€29k€18k▼
Return on contributions (dividend)694€29k€18k▼
Social balance
Average headcount (FTE)90875.06.0▲
The notes to these accounts (17 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼93.1%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €149k ▲183%
Operating result €156k, net result €149k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
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.
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, Sint-Gillis-Waas · 1 establishment unit since 1989
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Spaanskwartier(DKL) 689170 Sint-Gillis-WaasGround area
6,010 m²
Building footprint
715 m²
Volume, LiDAR
3,741 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAMEE
since 19892.044.593.615
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46005A0646/00C000 | Flanders | 4,197 m² | 1 · 124 m² | 10.4 m · 2 fl. |
| 46005A0643/00W000 | Flanders | 1,813 m² | 1 · 591 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 2 entries · 3,387 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,387 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
4 live approvals · 4 endedBrandertechnicus gas/stookolie duaal (so)
Monteur sanitaire en verwarmingsinstallaties duaal (so)
Technicus installatietechnieken (vwo)
Technicus installatietechnieken duaal (so)
Show 4 ended approvals
Monteur sanitaire en verwarmingsinstallaties duaal (so)
Sanitair installateur (so)
Sanitaire en verwarmingsinstallaties duaal (so)
Vakman installatietechnieken (vwo)
Similar companies · same sector, comparable size
Cconstruct
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DOOREMONT JOHAN & ZN
BE 0817.544.407
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TALLIEU Marino
BE 0844.635.319
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SANITO TECHNICS
BE 0524.680.324
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,625 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
Founded09-06-1989
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43410Roofing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43240Other construction installation
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.