CAMI
ActiveSummary
CAMI has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€183,994) and a net result of -€7,657. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 9619 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability6▲+4
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.01 against 0.01 in 2023; short-term debt: 347.8% and cash: 0.9% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-247.8%
Return on assets
-10.3%
Age of the figures
21 mo
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
raises risk · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€183,994
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
35 d early
2022
31 d late
2021
39 d early
2020
32 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
-€183,994▼ 4.3%
2023 · -€176,337
Total assets
€74,257▼ 4.2%
2023 · €77,510
Net result
-€7,657▲ 26.7%
2023 · -€10,452
Working capital
-€256,540▼ 1.8%
2023 · -€252,110
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€5,742▲ 23.0%-€5,314▲ 7.5%-€8,630▼ 62.4%-€10,228▼ 18.5%-€7,467▲ 27.0%
Net result-€5,873below the sector's middle half▲ 22.5%-€5,436below the sector's middle half▲ 7.4%-€8,764below the sector's middle half▼ 61.2%-€10,452below the sector's middle half▼ 19.3%-€7,657below the sector's middle half▲ 26.7%
Equity-€151,685below the sector's middle half▼ 4.0%-€157,121below the sector's middle half▼ 3.6%-€165,885below the sector's middle half▼ 5.6%-€176,337below the sector's middle half▼ 6.3%-€183,994below the sector's middle half▼ 4.3%
Total assets€36,491below the sector's middle half▼ 1.7%€36,486below the sector's middle half=€81,389below the sector's middle half▲ 123%€77,510below the sector's middle half▼ 4.8%€74,257below the sector's middle half▼ 4.2%
Debt€188,176▲ 2.9%€193,607▲ 2.9%€247,274▲ 27.7%€253,848▲ 2.7%€258,251▲ 1.7%
Working capital-€186,002▼ 2.9%-€190,741▼ 2.5%-€245,582▼ 28.8%-€252,110▼ 2.7%-€256,540▼ 1.8%
Solvency-415.7%below the sector's middle half▼ 23.1pp-430.6%below the sector's middle half▼ 15.0pp-203.8%below the sector's middle half▲ 226.8pp-227.5%below the sector's middle half▼ 23.7pp-247.8%below the sector's middle half▼ 20.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,467 in 2024 against €10,228 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €74,257
Fixed assets
€72,547 ▼ 4.3%
Current assets
€1,711 ▼ 1.5%
Key figures and ratios
EBITDA
-€4,240▲
2023 · -€6,305
Cash flow
-€4,430▲
2023 · -€6,529
Current ratio
0.01▼
2023 · 0.01
Debt to equity
-1.40▲
2023 · -1.44
ROA
-10.3%▲
2023 · -13.5%
Interest coverage
-17.71▲
2023 · -28.15
Debt ≤ 1 year
€258,251▲
2023 · €253,848
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €697 | €697 | €2,323 | €3,923 | €3,227 | ▼ 17.8% |
| Other operating charges640/8 | - | €1,783 | €2,791 | €917 | €420 | ▼ 54.2% |
| Gross operating margin9900 | -€4,421 | -€2,833 | -€3,515 | -€5,388 | -€3,820 | ▲ 29.1% |
| Operating profit (loss)9901 | -€5,742 | -€5,314 | -€8,630 | -€10,228 | -€7,467 | ▲ 27.0% |
| Financial income75/76B | - | - | - | - | €50 | - |
| Recurring financial income75 | - | - | - | - | €50 | - |
| Financial charges65/66B | - | €123 | €134 | €224 | €240 | ▲ 6.9% |
| Recurring financial charges65 | €131 | €123 | €134 | €224 | €240 | ▲ 6.9% |
| Profit (loss) for the period before taxes9903 | -€5,873 | -€5,436 | -€8,764 | -€10,452 | -€7,657 | ▲ 26.7% |
| Profit (loss) for the period9904 | -€5,873 | -€5,436 | -€8,764 | -€10,452 | -€7,657 | ▲ 26.7% |
| Profit (loss) for the period to be appropriated9905 | -€5,873 | -€5,436 | -€8,764 | -€10,452 | -€7,657 | ▲ 26.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36,491 | €36,486 | €81,389 | €77,510 | €74,257 | ▼ 4.2% |
| Fixed assets21/28 | €34,317 | €33,620 | €79,697 | €75,773 | €72,547 | ▼ 4.3% |
| Tangible fixed assets22/27 | €34,317 | €33,620 | €79,697 | €75,773 | €72,547 | ▼ 4.3% |
| Land and buildings22 | - | €33,620 | €79,697 | €75,773 | €72,547 | ▼ 4.3% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | - | - | €0 | €0 | - |
| Other tangible fixed assets26 | - | - | - | €0 | €0 | - |
| Current assets29/58 | €2,174 | €2,866 | €1,693 | €1,737 | €1,711 | ▼ 1.5% |
| Cash at bank and in hand54/58 | €1,289 | €1,916 | €751 | €710 | €697 | ▼ 1.8% |
| Deferred charges and accrued income490/1 | - | €950 | €942 | €1,028 | €1,014 | ▼ 1.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36,491 | €36,486 | €81,389 | €77,510 | €74,257 | ▼ 4.2% |
| Equity10/15 | -€151,685 | -€157,121 | -€165,885 | -€176,337 | -€183,994 | ▼ 4.3% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | - | - | - |
| Distributable reserves133 | - | - | - | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€172,136 | -€177,573 | -€186,336 | -€196,788 | -€204,445 | ▼ 3.9% |
| Amounts payable17/49 | €188,176 | €193,607 | €247,274 | €253,848 | €258,251 | ▲ 1.7% |
| Amounts payable within one year42/48 | €188,176 | €193,607 | €247,274 | €253,848 | €258,251 | ▲ 1.7% |
| Trade debts44 | €425 | €957 | €1,424 | €2,197 | - | - |
| Suppliers440/4 | - | €957 | €1,424 | €2,197 | - | - |
| Other amounts payable47/48 | - | €192,651 | €245,851 | €251,651 | €258,251 | ▲ 2.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,873 | -€5,436 | -€8,764 | -€10,452 | -€7,657 | ▲ 26.7% |
| + Depreciation and write-downs630 | €697 | €697 | €2,323 | €3,923 | €3,227 | ▼ 17.8% |
| Operating cash flow (approximation) | -€5,176 | -€4,740 | -€6,440 | -€6,529 | -€4,430 | ▲ 32.1% |
| Investment in fixed assets (approximation) | - | €0 | -€48,400 | €0 | €0 | - |
| Change in cash | - | €626 | -€1,165 | -€41 | -€13 | ▲ 69.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schoten · 1 establishment unit since 1982
Ground area
753 m²
Building footprint
394 m²
Volume, LiDAR
1,541 m³
Parcel 11040D0396/00E017, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lindenlei 54, 2900 Schoten
since 19822.021.417.048
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0396/00E017 | Flanders | 753 m² | 1 · 394 m² | 5.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-11-1982
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423235348
Also
9925:BE0423235348
Registered
10-06-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.