Camélo

Active

Private limited companyfounded 20233 yrs activeAvenue Jean-Libert Hennebel 8, 1348 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0798.877.449

The computed 12-month bankruptcy probability of Camélo is 4.4% (elevated). The 2025 annual accounts show equity of €5.34M and a net result of €-803k. Its solvency ranks better than 95% of 4107 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

63 / 100

Healthy▲ +58 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency100▲+77

Growth78

Stability94

Bankruptcy probability, 12 months

4.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €340k at 30 days acceptable

Liquidity ample (current ratio 12.05 against 0.69 in 2024), and 4.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

95.7%

Return on assets

-14.4%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 2 filings

Deviation from the deadline

2025

24 d late

2024

21 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-803k▲ 5.9%

2024 · €-853k

2024: €-853k

2024 → 2025

Working capital

€2.65M

2024 · €-1.27M

2024: €-1.27M

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€1.15M-€5.34M▲ 366%

Operating result€-862k-€-805k▲ 6.6%

Net result€-853k-€-803k▲ 5.9%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €805k in 2025 against €862k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €4.92M

41.3%

58.7%

Fixed assets €2.03M▲ 32.4%

Current assets €2.89M▲ 2.1%

Equity and liabilities €5.58M

95.7%

Equity €5.34M▲ 366%

Debt €240k▼ 94.2%

The debt ratio falls from 78.1% to 4.3%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-353k▲

2024 · €-627k

Cash flow

€-351k▲

2024 · €-619k

Solvency

95.7%▲

2024 · 21.9%

Current ratio

12.05▲

2024 · 0.69

Quick ratio

6.83▲

2024 · 0.44

Debt / equity

0.04▼

2024 · 3.58

ROE

-15.0%▲

2024 · -74.4%

ROA

-14.4%▲

2024 · -16.3%

Interest coverage

-72.26▲

2024 · -81.22

Debt

€240k▼

2024 · €4.10M

Debt ≤ 1 year

€240k▼

2024 · €4.10M

Income taxes

€175

Staff costs

€354k▼

2024 · €596k

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€5.25M€5.58M▲

Formation expenses20€884k€663k▼

Fixed assets21/28€1.53M€2.03M▲

Intangible fixed assets21-€0

Tangible fixed assets22/27€1.51M€1.87M▲

Plant, machinery and equipment23€1.39M€1.78M▲

Furniture and vehicles24€121k€90k▼

Financial fixed assets28€28k€168k▲

Current assets29/58€2.83M€2.89M▲

Amounts receivable after more than one year29€0-

Trade receivables290€0-

Stocks and contracts in progress3€1.03M€1.25M▲

Stocks30/36€1.03M€1.25M▲

Amounts receivable within one year40/41€53k€96k▲

Trade receivables40€35k€66k▲

Other amounts receivable41€19k€29k▲

Cash at bank and in hand54/58€1.75M€1.54M▼

Deferred charges and accrued income490/1-€4k

Equity and liabilities

Total equity and liabilities10/49€5.25M€5.58M▲

Equity10/15€1.15M€5.34M▲

Contributions10/11€2.00M€7.00M▲

Capital10€2.00M€7.00M▲

Issued capital100€2.00M€7.00M▲

Profit (loss) carried forward14€-853k€-1.66M▼

Amounts payable17/49€4.10M€240k▼

Amounts payable within one year42/48€4.10M€240k▼

Trade debts44€14k€19k▲

Suppliers440/4€14k€19k▲

Taxes, remuneration and social security45€87k€136k▲

Taxes450/3€87k€35k▼

Remuneration and social security454/9-€102k

Other amounts payable47/48€4.00M€84k▼

Income statement Code20242025

Non-recurring operating income76A€86k-

Goods, raw materials, services and sundry goods60/61€2.23M-

Remuneration, social security and pensions62€596k€354k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€234k€452k▲

Other operating charges640/8€3k€3k▲

Gross operating margin9900€-29k€4k▲

Operating profit (loss)9901€-862k€-805k▲

Financial income75/76B€16k€7k▼

Recurring financial income75€16k€7k▼

Financial charges65/66B€8k€5k▼

Recurring financial charges65€8k€5k▼

Profit (loss) for the period before taxes9903€-853k€-803k▲

Income taxes67/77-€175

Profit (loss) for the period9904€-853k€-803k▲

Profit (loss) for the period to be appropriated9905€-853k€-803k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-853k€-1.66M▼

Profit (loss) brought forward from the previous period14P-€-853k

Social balance

Average headcount (FTE)90875.36.4▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 24 days late

2025

31-12

Financial Liquidity times 17current ratio 12.05

Current ratio from 0.69 to 12.05; short-term debt falls from €4.10M to €240k.

31-12

Financial Equity above €5MEq €5.34M ▲366%

Equity rises from €1.15M to €5.34M.

21-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 21 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Ottignies-Louvain-la-Neuve · 5 establishment units since 2023

establishment approximate 4 of 5 establishment units on the map

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.

Avenue Jean-Libert Hennebel 81348 Ottignies-Louvain-la-Neuve

Ground area

1.9 ha

Building footprint

5,869 m²

Volume, LiDAR

35,133 m³

5 parcels, Wallonia · tallest building 14.3 m, ±2 floors. Linked by address, not a title deed.

5 establishment units

L'Attrape-Rêves Nandrin.

Route du Condroz 310, 4550 NandrinRetail trade

since 20232.342.686.095

L’Attrape-Rêves Waterloo

Chaussée de Bruxelles 88B, 1410 WaterlooRetail sale of household textiles and bedding

since 20232.343.886.818

L'Attrape - Rêves Andenne

Avenue de Belle-Mine 5, 5300 AndenneRetail sale of household textiles and bedding

since 20232.351.292.866

L'Attrape-Rêves Gosselies

Rue Pont-à-Migneloux 24, 6041 CharleroiRetail sale of household textiles and bedding

since 20242.359.722.859

L'Attrape - Rêves Messancy

Route d'Arlon 214, 6780 MessancyRetail sale of household textiles and bedding

since 20252.374.139.237

5 parcels

Wallonia 5 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52028A0484/00E003	Wallonia	1.0 ha	1 · 1,867 m²	6.8 m · 2 fl.
25762H0345/00G000	Wallonia	5,955 m²	1 · 2,768 m²	14.3 m · 2 fl.
92003H0028/00M003indicative	Wallonia	2,265 m²	1 · 608 m²	-
61043B0007/00N002	Wallonia	849 m²	1 · 530 m²	8.4 m · 1 fl.
25385B0042/00V000	Wallonia	357 m²	1 · 96 m²	6.6 m · 2 fl.