CAMI DELICES
ActiveThe computed 12-month bankruptcy probability of CAMI DELICES is 2.3% (moderate). The 2025 annual accounts show equity of €36k and a net result of €4k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 13159 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-16
Solvency69▼-15
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.99 in 2024; short-term debt: 55.8% and cash: 46.9% of total assets), but 55.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
44.2%
Return on assets
4.7%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
15 d early
2023
on the day
2022
3 d early
2021
3 d early
2020
1 d early
2019
on the day
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 11.8%
2024 · €32k
2018: €-10k
2019: €-6k
2020: €16k
2021: €37k
2022: €31k
2023: €22k
2024: €32k
2018 → 2025
Total assets
€82k▲ 48.4%
2024 · €55k
2018: €34k
2019: €54k
2020: €54k
2021: €65k
2022: €50k
2023: €62k
2024: €55k
2018 → 2025
Net result
€4k▼ 61.4%
2024 · €10k
2018: €29k
2019: €4k
2020: €22k
2021: €21k
2022: €-6k
2023: €-9k
2024: €10k
2018 → 2025
Working capital
€27k▲ 18.4%
2024 · €22k
2018: €-19k
2019: €-13k
2020: €12k
2021: €33k
2022: €28k
2023: €20k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€31k▼ 17.0%€22k▼ 27.8%€32k▲ 44.0%€36k▲ 11.8%
Operating result€22k-€-3k€-8k▼ 189%€8k€7k▼ 20.8%
Net result€21k-€-6k€-9k▼ 35.4%€10k€4k▼ 61.4%
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 €82k
Fixed assets
€9k▼ 3.3%
Current assets
€72k▲ 59.6%
Equity and liabilities €82k
Equity
€36k▲ 11.8%
Debt
€46k▲ 100%
The debt ratio rises from 41.4% to 55.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €11k
Cash flow
€7k▼
2024 · €12k
Solvency
44.2%▼
2024 · 58.6%
Current ratio
1.58▼
2024 · 1.99
Quick ratio
1.46▼
2024 · 1.84
Debt / equity
1.26▲
2024 · 0.71
ROE
10.5%▼
2024 · 30.5%
ROA
4.7%▼
2024 · 17.9%
Interest coverage
46.53▲
2024 · 30.43
Debt
€46k▲
2024 · €23k
Debt ≤ 1 year
€46k▲
2024 · €23k
Income taxes
€4k▲
2024 · €-853
Staff costs
€89k▲
2024 · €77k
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€55k€82k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€277€114▼
Financial fixed assets28€1k€1k=
Current assets29/58€45k€72k▲
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€18k€28k▲
Trade receivables40€67€10k▲
Other amounts receivable41€18k€18k▼
Cash at bank and in hand54/58€23k€38k▲
Deferred charges and accrued income490/1-€437
Equity and liabilities
Total equity and liabilities10/49€55k€82k▲
Equity10/15€32k€36k▲
Contributions10/11€20k€20k=
Reserves13€5k€9k▲
Distributable reserves133€5k€9k▲
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€23k€46k▲
Amounts payable within one year42/48€23k€46k▲
Trade debts44€10k€22k▲
Suppliers440/4€10k€22k▲
Advances received on contracts in progress46€14-
Taxes, remuneration and social security45€13k€24k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€10k€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€77k€89k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€946€148▼
Gross operating margin9900€89k€99k▲
Operating profit (loss)9901€8k€7k▼
Financial income75/76B€847€982▲
Recurring financial income75€847€982▲
Financial charges65/66B€348€203▼
Recurring financial charges65€348€203▼
Profit (loss) for the period before taxes9903€9k€8k▼
Income taxes67/77€-853€4k▲
Profit (loss) for the period9904€10k€4k▼
Profit (loss) for the period to be appropriated9905€10k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€11k▼
Profit (loss) brought forward from the previous period14P€2k€7k▲
Transfer to equity691/2€5k€4k▼
To other reserves6921€5k€4k▼
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Brussel · 1 establishment unit since 2008
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.
Slachthuislaan 231000 BrusselGround area
118 m²
Building footprint
118 m²
Volume, LiDAR
1,413 m³
Parcel 21810L2561/00T004, Brussels · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20082.169.382.333
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21810L2561/00T004 | Brussels | 118 m² | 1 · 118 m² | 17.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.169.382.333
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2008
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.