CAMELEON ARCHITECTS
ActiveCAMELEON ARCHITECTS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €14k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 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▼-1
Solvency93▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.15 in 2024; short-term debt: 30.4% and cash: 40.3% of total assets), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
68.2%
Return on assets
5.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
24 d late
2022
3 d early
2021
3 d late
2020
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 9.2%
2024 · €146k
2020: €53k
2021: €126k
2022: €127k
2023: €129k
2024: €146k
2020 → 2025
Total assets
€234k▼ 10.0%
2024 · €260k
2020: €127k
2021: €185k
2022: €183k
2023: €214k
2024: €260k
2020 → 2025
Net result
€14k▼ 18.8%
2024 · €17k
2020: €34k
2021: €73k
2022: €670
2023: €2k
2024: €17k
2020 → 2025
Working capital
€137k▲ 9.4%
2024 · €125k
2020: €32k
2021: €90k
2022: €97k
2023: €107k
2024: €125k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€127k▲ 0.5%€129k▲ 1.9%€146k▲ 13.0%€159k▲ 9.2%
Operating result€93k-€2k▼ 97.8%€17k▲ 755%€26k▲ 50.5%€21k▼ 20.7%
Net result€73k-€670▼ 99.1%€2k▲ 267%€17k▲ 581%€14k▼ 18.8%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €234k
Fixed assets
€25k▼ 1.5%
Current assets
€208k▼ 11.0%
Equity and liabilities €234k
Equity
€159k▲ 9.2%
Debt
€74k▼ 34.7%
The debt ratio falls from 43.8% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €32k
Cash flow
€19k▼
2024 · €23k
Solvency
68.2%▲
2024 · 56.2%
Current ratio
2.93▲
2024 · 2.15
Quick ratio
2.93▲
2024 · 2.15
Debt / equity
0.47▼
2024 · 0.78
ROE
8.5%▼
2024 · 11.5%
ROA
5.8%▼
2024 · 6.4%
Interest coverage
30.19▼
2024 · 66.45
Debt
€74k▼
2024 · €114k
Debt ≤ 1 year
€71k▼
2024 · €109k
Debt > 1 year
€3k▼
2024 · €5k
Income taxes
€6k▼
2024 · €9k
Staff costs
€43k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€260k€234k▼
Fixed assets21/28€26k€25k▼
Intangible fixed assets21€3k€0▼
Tangible fixed assets22/27€12k€14k▲
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€472€381▼
Furniture and vehicles24€9k€12k▲
Financial fixed assets28€11k€11k=
Current assets29/58€234k€208k▼
Amounts receivable within one year40/41€133k€103k▼
Trade receivables40€89k€34k▼
Other amounts receivable41€44k€69k▲
Current investments50/53€31k-
Cash at bank and in hand54/58€62k€94k▲
Deferred charges and accrued income490/1€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€260k€234k▼
Equity10/15€146k€159k▲
Contributions10/11€19k€19k=
Reserves13€125k€141k▲
Distributable reserves133€125k€141k▲
Profit (loss) carried forward14€2k€0▼
Amounts payable17/49€114k€74k▼
Amounts payable after more than one year17€5k€3k▼
Financial debts170/4€5k€3k▼
Amounts payable within one year42/48€109k€71k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€71k€40k▼
Suppliers440/4€71k€40k▼
Taxes, remuneration and social security45€34k€26k▼
Taxes450/3€26k€16k▼
Remuneration and social security454/9€8k€11k▲
Other amounts payable47/48€951€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€24k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€0▼
Other operating charges640/8€499€568▲
Gross operating margin9900€59k€70k▲
Operating profit (loss)9901€26k€21k▼
Financial income75/76B€258€183▼
Recurring financial income75€258€183▼
Financial charges65/66B€488€873▲
Recurring financial charges65€488€873▲
Profit (loss) for the period before taxes9903€26k€20k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€17k€14k▼
Profit (loss) for the period to be appropriated9905€17k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€127k€16k▼
Profit (loss) brought forward from the previous period14P€111k€2k▼
Transfer to equity691/2€125k€16k▼
To other reserves6921€125k€16k▼
The notes to these accounts (14 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €150kEq €159k ▲9.2%
6 profitable years in a row build equity to €159k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €670 ▼99.1%
Net result drops to €670, the lowest in the series; recovery starts the following year.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Highest result since 2020net €73k ▲113%
Operating result €93k, net result €73k, both a record.
31-03
Financial
Equity above €100kEq €126k ▲138%
2 profitable years in a row build equity to €126k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Oostende · 1 establishment unit since 2018
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.
Plakkersstraat 318400 OostendeGround area
172 m²
Building footprint
143 m²
Volume, LiDAR
1,181 m³
Parcel 35384A0061/00P014, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CAMELEON ARCHITECTS
since 20182.280.753.377
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35384A0061/00P014 | Flanders | 172 m² | 1 · 143 m² | 11.0 m · 3 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 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,309 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2018
Fiscal year end31-03
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.