CAMI
ActiveCAMI has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.17M and a net result of €142k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency88=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 2.3 in 2024; short-term debt: 10.2% and cash: 1.5% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
63.3%
Return on assets
7.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
38 d early
2023
34 d early
2022
46 d early
2021
38 d early
2020
50 d early
2019
49 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.17M▼ 6.7%
2024 · €1.25M
2018: €586k
2019: €775k
2020: €821k
2021: €778k
2022: €986k
2023: €1.16M
2024: €1.25M
2018 → 2025
Total assets
€1.85M▼ 6.7%
2024 · €1.98M
2018: €1.94M
2019: €1.91M
2020: €1.84M
2021: €1.81M
2022: €1.94M
2023: €2.02M
2024: €1.98M
2018 → 2025
Net result
€142k▼ 15.5%
2024 · €168k
2018: €33k
2019: €192k
2020: €46k
2021: €112k
2022: €210k
2023: €177k
2024: €168k
2018 → 2025
Working capital
€129k▼ 41.3%
2024 · €220k
2018: €-262k
2019: €-90k
2020: €-92k
2021: €-137k
2022: €60k
2023: €220k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€778k-€986k▲ 26.7%€1.16M▲ 17.7%€1.25M▲ 8.1%€1.17M▼ 6.7%
Operating result€173k-€318k▲ 84.0%€288k▼ 9.5%€278k▼ 3.3%€243k▼ 12.7%
Net result€112k-€210k▲ 88.0%€177k▼ 15.7%€168k▼ 5.1%€142k▼ 15.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€1.53M▼ 3.8%
Current assets
€317k▼ 18.8%
Equity and liabilities €1.85M
Equity
€1.17M▼ 6.7%
Provisions
€66k▼ 0.8%
Debt
€612k▼ 7.4%
The debt ratio falls from 33.3% to 33.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€317k▼
2024 · €352k
Cash flow
€216k▼
2024 · €242k
Solvency
63.3%=
2024 · 63.3%
Current ratio
1.69▼
2024 · 2.30
Quick ratio
1.69▼
2024 · 2.30
Debt / equity
0.52▼
2024 · 0.53
ROE
12.1%▼
2024 · 13.4%
ROA
7.7%▼
2024 · 8.5%
Interest coverage
10.88▲
2024 · 10.09
Debt
€612k▼
2024 · €661k
Debt ≤ 1 year
€188k▲
2024 · €170k
Debt > 1 year
€402k▼
2024 · €469k
Income taxes
€72k▼
2024 · €75k
Staff costs
€57k▲
2024 · €54k
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€1.98M€1.85M▼
Fixed assets21/28€1.59M€1.53M▼
Tangible fixed assets22/27€1.04M€978k▼
Land and buildings22€967k€915k▼
Plant, machinery and equipment23€36k€28k▼
Furniture and vehicles24€36k€35k▼
Financial fixed assets28€553k€553k=
Current assets29/58€390k€317k▼
Amounts receivable after more than one year29€327k€263k▼
Other amounts receivable291€327k€263k▼
Amounts receivable within one year40/41€11k€21k▲
Trade receivables40€11k€6k▼
Other amounts receivable41-€15k
Cash at bank and in hand54/58€19k€27k▲
Deferred charges and accrued income490/1€33k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.98M€1.85M▼
Equity10/15€1.25M€1.17M▼
Contributions10/11€62k€62k=
Outside capital11€62k€62k=
Other1109/19€62k€62k=
Reserves13€1.19M€1.11M▼
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€5k€4k▼
Distributable reserves133€1.18M€1.10M▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€66k€66k▼
Provisions for liabilities and charges160/5€64k€64k=
Pensions and similar obligations160€64k€64k=
Deferred taxes168€2k€1k▼
Amounts payable17/49€661k€612k▼
Amounts payable after more than one year17€469k€402k▼
Financial debts170/4€232k€150k▼
Other amounts payable178/9€237k€252k▲
Amounts payable within one year42/48€170k€188k▲
Current portion of amounts payable after more than one year42€97k€107k▲
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€47k€60k▲
Taxes450/3€40k€53k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€15k€12k▼
Accrued charges and deferred income492/3€22k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€54k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€74k▲
Other operating charges640/8€17k€21k▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€425k€395k▼
Operating profit (loss)9901€278k€243k▼
Financial income75/76B€18€34▲
Recurring financial income75€18€34▲
Financial charges65/66B€35k€29k▼
Recurring financial charges65€35k€29k▼
Profit (loss) for the period before taxes9903€243k€214k▼
Income taxes67/77€75k€72k▼
Profit (loss) for the period9904€168k€142k▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€169k€143k▼
Appropriation of the result
Profit (loss) to be appropriated9906€169k€143k▼
Transfer from equity791/2€73k€223k▲
Transfer to equity691/2€168k€140k▼
To other reserves6921€168k€140k▼
Profit to be distributed694/7€75k€226k▲
Return on contributions (dividend)694€75k€225k▲
Employees696€0€1k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (28 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.16M ▲17.7%
6 profitable years in a row build equity to €1.16M.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €210k ▲88%
Operating result €318k, net result €210k, both a record.
31-12
Financial
Liquidity times 10current ratio 1.37
Current ratio from 0.14 to 1.37.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
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
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, Oostende · 1 establishment unit since 1982
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.
Edward Vlietinckstraat 88400 OostendeGround area
7,356 m²
Building footprint
3,773 m²
Volume, LiDAR
16,286 m³
Parcel 35020B0072/00A002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Edward Vlietinckstraat 8, 8400 Oostende
since 19822.020.298.578
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0072/00A002 | Flanders | 7,356 m² | 1 · 3,773 m² | 9.6 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 1,171 companies in sector 46499 we hold annual accounts for 743. 481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-03-1982
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
51478
16281Manufacture of other wood products
20510
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.