Turnover
The micro format states no turnover.
The micro format states no turnover.
Of this, €26,814 falls due within a year.
In 2025, 1 person joined and nobody left.
Short-term debts rose from €18,287 to €26,814.
Latest accounts filed late: after the legal deadline.
Lower net result than 85% of companies in building services and landscaping. Sector median €9,343 · 5,724 companies.
The dashed line is the sector median: 0.9% across 7,710 companies (NACE 81, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, micro). It does better than 35% of them on solvency, 37% on liquidity, 24% on profitability and 18% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,271 companies had the same profile as CAMI-SERVICES has now. Each dot stands for 4 companies, two years later.
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CAMI-SERVICES itself: 3.7% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,271 companies, not a prediction for CAMI-SERVICES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.29 (2.06 in 2024), below the usual 1.5. Short-term debt is 32.1% and cash 5.5% of total assets. 72.1% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 4 accounts on average 111 days after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| CAMI-SERVICES Halle | €83,507 | €37,501 | 27.9% | - |
| FACILITES ET SERVICES M.G. Zaventem | €91,485 | €44,224 | 3.8% | - |
| TOP CLEANING SERVICES Sint-Genesius-Rode | €71,797 | €37,217 | 89.1% | - |
| UAI SERVICES Ternat | €69,360 | €36,031 | 55.4% | - |
| CT CLEANING Drogenbos | €105,058 | €36,436 | 21.3% | - |
| POWER FACILITIES Grimbergen | €79,219 | €46,905 | 97.9% | - |
| Window Clinic Tongeren-Borgloon | €83,237 | €40,670 | 38.5% | - |
These companies have the same main activity as CAMI-SERVICES: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €69,400 and €105,000, founded between 2021 and 2023.
CAMI-SERVICES files the micro format. That format states no turnover. The gross margin rose from €13,839 in 2022 to €37,501 in 2025.
The balance sheet grew most from 2023 to 2024 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Higher than 36% of 5,728 companies in 2025.
Higher than 42% of 5,589 companies in 2025.
Higher than 15% of 5,615 companies in 2025.
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff costs divided by the average number of full-time equivalents.
In 2025, 1 person joined and nobody left.
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
83,507 | 100,564 | 54,386 | 14,278 | |
21/28 |
48,876 | 62,930 | 9,582 | 3,111 | |
22/27 |
48,876 | 62,930 | 9,582 | 3,111 | |
23 |
4,387 | 1,650 | 2,888 | - | |
24 |
717 | 4,094 | 6,694 | 3,111 | |
25 |
43,772 | 57,186 | - | - | |
29/58 |
34,631 | 37,634 | 44,804 | 11,167 | |
40/41 |
29,999 | 29,392 | 42,241 | 7,366 | |
40 |
18,501 | 19,946 | 33,106 | 3,148 | |
41 |
11,498 | 9,447 | 9,136 | 4,218 | |
54/58 |
4,632 | 8,001 | 2,438 | 3,676 | |
490/1 |
- | 240 | 125 | 125 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
83,507 | 100,564 | 54,386 | 14,278 | |
10/15 |
23,311 | 28,837 | 23,107 | 9,365 | |
10/11 |
2,000 | 2,000 | 2,000 | 2,000 | |
14 |
21,311 | 26,837 | 21,107 | 7,365 | |
17/49 |
60,196 | 71,727 | 31,279 | 4,913 | |
17 |
33,382 | 53,441 | - | - | |
170/4 |
33,382 | 53,441 | - | - | |
42/48 |
26,814 | 18,287 | 31,279 | 4,913 | |
42 |
10,268 | - | - | - | |
44 |
9,741 | 7,478 | 19,317 | 1,535 | |
440/4 |
9,741 | 7,478 | 19,317 | 1,535 | |
45 |
6,805 | 10,809 | 11,962 | 3,377 | |
450/3 |
1,286 | 7,050 | 6,576 | 2,517 | |
454/9 |
5,519 | 3,759 | 5,386 | 860 | |
| Income statement | |||||
70 |
- | 145,633 | 113,403 | 42,073 | |
9900 |
37,501 | 60,975 | 38,414 | 13,839 | |
60/61 |
- | 84,658 | 74,989 | 28,234 | |
62 |
18,713 | 29,082 | 16,916 | 2,425 | |
630 |
16,953 | 17,252 | 1,542 | 389 | |
640/8 |
3,948 | 5,249 | 2,116 | 1,436 | |
66A |
835 | - | - | - | |
9901 |
-2,948 | 9,392 | 17,840 | 9,590 | |
65/66B |
2,578 | 971 | 32 | 8 | |
65 |
2,578 | 971 | 32 | 8 | |
9903 |
-5,526 | 8,421 | 17,808 | 9,582 | |
67/77 |
- | 2,690 | 4,067 | 2,217 | |
9904 |
-5,526 | 5,731 | 13,741 | 7,365 | |
9905 |
-5,526 | 5,731 | 13,741 | 7,365 | |
| Appropriation of the result | |||||
9906 |
21,311 | 26,837 | 21,107 | 7,365 | |
14P |
26,837 | 21,107 | 7,365 | - | |
| Social balance sheet | |||||
9087 |
0.8 | 1.9 | 1.1 | 0.3 | |
Hours worked1013 |
680 | 1,096 | 712 | 72 | |
| Document | |||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.
2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00551611.
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 14,004 | 26,643 | 19,382 | 9,979 | ||
| 11,426 | 22,982 | 15,283 | 7,754 | ||
| 4,133 | 70,600 | 8,013 | 3,500 | ||
| -3,369 | 5,564 | -1,239 | - | ||
| 7,817 | 19,347 | 13,525 | 6,254 | ||
| - | 6.4% | 15.7% | 22.8% | ||
| 27.9% | 28.7% | 42.5% | 65.6% | ||
| 1.29 | 2.06 | 1.43 | 2.27 | ||
| 2.58 | 2.49 | 1.35 | 0.52 | ||
| -23.7% | 19.9% | 59.5% | 78.6% | ||
| -6.6% | 5.7% | 25.3% | 51.6% | ||
| 5.43 | 27.44 | over 100 | over 100 | ||
| - | 50 days | 107 days | 27 days | ||
| - | 32 days | 94 days | 20 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 1 | - | - | - |
| part-time | 1 | - | - | - |
| in full-time equivalents | 0.5 | - | - | - |
| 0.5 | 0.9 | 0.6 | 0.2 | |
| On a permanent contract | 1 | - | - | - |
| Joined | 1 | 8 | 7 | 1 |
| Left | 0 | 8 | 7 | 1 |
Source: social balance sheet in the 2022 to 2025 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €4,133 | €70,600 | €8,013 | €3,500 |
| €16,953 | €17,252 | €1,542 | €389 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €2,948, after a profit of €9,392 in 2024. It is the lowest result since 2022.
Debt's share of the balance-sheet total rises from 71.3% to 72.1%. Equity and debt are lower.
CAMI-SERVICES has no parent and no holdings in its annual accounts. ELALAMI Mohammed is the only director. CAMI-SERVICES shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
CAMI-SERVICES was incorporated on 8 July 2022 as a private limited company by one natural person, with a starting capital of €2,000.12 ELALAMI Mohammed is director of the company, appointed by deed of 12-07-2022.2 Turnover grew from €42,073 in 2022 to €145,633 in 2024 and headcount from 0.3 full-time equivalents in 2022 to 0.8 in 2025.3
| Establishment | Since | Unit number |
|---|---|---|
| Dokter Spitaelslaan 390 registered office 1502 Halle | 08-07-2022 | 2.342.218.121 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23043E0003/00B000 | 639 m² | 1 · 149 m² | 7.5 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0788.397.489
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