Cameram
ActiveSummary
Cameram has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €249k and a net result of €30k. Equity is growing by ~20.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2026
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability73=
Solvency56▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.06 in 2025; short-term debt: 15.3% and cash: 0.7% of total assets), and 69.3% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
30.7%
Return on assets
3.7%
Age of the figures
6 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 29-07-2026, 94 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
94 d early
2025
71 d early
2024
30 d early
2023
20 d late
2022
12 d late
2021
15 d late
2020
12 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€249k▲ 13.7%
2025 · €219k
2019: €75k
2020: €89k
2021: €86k
2022: €125k
2023: €161k
2024: €189k
2025: €219k
2019 → 2026
Total assets
€811k▼ 3.5%
2025 · €840k
2019: €999k
2020: €963k
2021: €927k
2022: €912k
2023: €895k
2024: €873k
2025: €840k
2019 → 2026
Net result
€30k▼ 0.1%
2025 · €30k
2019: €-75k
2020: €14k
2021: €-3k
2022: €39k
2023: €35k
2024: €28k
2025: €30k
2019 → 2026
Working capital
€-119k▼ 2.7%
2025 · €-116k
2019: €-89k
2020: €-76k
2021: €-107k
2022: €-97k
2023: €-93k
2024: €-114k
2025: €-116k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€125k-€161k▲ 28.0%€189k▲ 17.6%€219k▲ 15.9%€249k▲ 13.7%
Operating result€57k-€55k▼ 3.3%€53k▼ 2.8%€54k▲ 1.7%€52k▼ 3.7%
Net result€39k-€35k▼ 11.0%€28k▼ 19.5%€30k▲ 6.5%€30k▼ 0.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 4% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €811k
Fixed assets
€805k ▼ 3.3%
Current assets
€6k ▼ 19.5%
Equity and liabilities €811k
Equity
€249k ▲ 13.7%
Debt
€562k ▼ 9.5%
The debt ratio falls from 74.0% to 69.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▼
2025 · €82k
Cash flow
€58k▼
2025 · €58k
Current ratio
0.04▼
2025 · 0.06
Debt / equity
2.26▼
2025 · 2.84
ROE
12.1%▼
2025 · 13.7%
ROA
3.7%▲
2025 · 3.6%
Interest coverage
6.54▲
2025 · 6.06
Debt ≤ 1 year
€124k▲
2025 · €123k
Debt > 1 year
€438k▼
2025 · €499k
Income taxes
€10k▼
2025 · €11k
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 · 2026 against 2025 · 42 lines
Balance sheet
Code20252026
Assets
Total assets20/58€840k€811k▼
Fixed assets21/28€833k€805k▼
Tangible fixed assets22/27€833k€805k▼
Land and buildings22€833k€805k▼
Current assets29/58€7k€6k▼
Cash at bank and in hand54/58€6k€6k▼
Deferred charges and accrued income490/1€677-
Equity and liabilities
Total equity and liabilities10/49€840k€811k▼
Equity10/15€219k€249k▲
Contributions10/11€150k€150k=
Outside capital11€150k€150k=
Other1109/19€150k€150k=
Reserves13€69k€99k▲
Distributable reserves133€69k€99k▲
Amounts payable17/49€621k€562k▼
Amounts payable after more than one year17€499k€438k▼
Financial debts170/4€499k€438k▼
Amounts payable within one year42/48€123k€124k▲
Current portion of amounts payable after more than one year42€60k€61k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€6k€113▼
Taxes450/3€6k€113▼
Other amounts payable47/48€55k€55k=
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k=
Other operating charges640/8€4k€5k▲
Gross operating margin9900€86k€85k▼
Operating profit (loss)9901€54k€52k▼
Financial income75/76B-€197
Recurring financial income75-€197
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€41k€40k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€30k€30k▼
Profit (loss) for the period to be appropriated9905€30k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€30k▼
Profit (loss) brought forward from the previous period14P€39k-
Transfer to equity691/2€69k€30k▼
To other reserves6921€69k€30k▼
The notes to these accounts (7 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 2027, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €219k ▲15.9%
4 profitable years in a row build equity to €219k.
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
31-03
Financial
Equity above €150kEq €161k ▲28%
2 profitable years in a row build equity to €161k.
2022
12-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
31-03
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-03
Financial
Equity above €100kEq €125k ▲45.9%
Equity rises from €86k to €125k.
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
31-03
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 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.
Mombeekdreef 103500 HasseltGround area
3,853 m²
Building footprint
456 m²
Parcel 71328D1067/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Cameram
since 20182.272.856.587
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D1067/00L000 | Flanders | 3,853 m² | 1 · 456 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2018
Fiscal year end31-03
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bart.vancluysen@grandscafes.be