CAMICO
ActiveCAMICO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-80k) and a net result of €-100k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
7
/ 100
Critical▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency33▲+26
Growth55=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 0.66 in 2024), and equity is negative.
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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-29.7%
Return on assets
-37%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€80k
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 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
5 d early
2023
29 d early
2022
3 d early
2021
11 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.31M▲ 811%
2022 · €144k
2021: €292k
2022: €144k
2021 → 2023
EBIT margin
6.4%▼ 5.3pp
2022 · 11.6%
2021: 15.3%
2022: 11.6%
2021 → 2023
Net result
€-100k▼ 71.2%
2024 · €-58k
2021: €28k
2022: €3k
2023: €43k
2024: €-58k
2021 → 2025
Working capital
€-178k▼ 74.2%
2024 · €-102k
2021: €26k
2022: €-9k
2023: €5k
2024: €-102k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€292k-€144k▼ 50.7%€1.31M▲ 811%
Equity€32k-€35k▲ 9.9%€78k▲ 121%€20k▼ 74.9%€-80k
Operating result€45k-€17k▼ 62.4%€83k▲ 397%€-51k€-88k▼ 73.1%
Net result€28k-€3k▼ 88.8%€43k▲ 1,237%€-58k€-100k▼ 71.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €88k in 2025 against €51k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €270k
Fixed assets
€98k▼ 19.6%
Current assets
€172k▼ 11.6%
Key figures and ratios
EBITDA
€-64k▼
2024 · €-32k
Cash flow
€-76k▼
2024 · €-39k
Solvency
-29.7%▼
2024 · 6.2%
Current ratio
0.49▼
2024 · 0.66
Quick ratio
0.03▼
2024 · 0.06
Debt / equity
-4.36▼
2024 · 15.20
ROE
124.3%▲
2024 · -298.5%
ROA
-37.0%▼
2024 · -18.4%
Interest coverage
-5.60▼
2024 · -4.30
Debt
€350k▲
2024 · €296k
Debt ≤ 1 year
€350k▲
2024 · €296k
Income taxes
€216▲
2024 · €0
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€316k€270k▼
Fixed assets21/28€122k€98k▼
Intangible fixed assets21€80k€62k▼
Tangible fixed assets22/27€41k€36k▼
Land and buildings22€34k€33k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€1k€751▼
Current assets29/58€194k€172k▼
Stocks and contracts in progress3€178k€162k▼
Stocks30/36€178k€162k▼
Amounts receivable within one year40/41€16k€6k▼
Trade receivables40€6k€3k▼
Other amounts receivable41€10k€3k▼
Cash at bank and in hand54/58€0€307▲
Deferred charges and accrued income490/1€0€4k▲
Equity and liabilities
Total equity and liabilities10/49€316k€270k▼
Equity10/15€20k€-80k▼
Contributions10/11€4k€4k=
Reserves13€74k€74k=
Distributable reserves133€74k€74k=
Profit (loss) carried forward14€-58k€-158k▼
Amounts payable17/49€296k€350k▲
Amounts payable within one year42/48€296k€350k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€222k€285k▲
Credit institutions430/8€222k€285k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€67k€62k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€24k▲
Other operating charges640/8€5k€1k▼
Non-recurring operating charges66A€18k€18k=
Gross operating margin9900€-8k€-45k▼
Operating profit (loss)9901€-51k€-88k▼
Financial income75/76B€0€59▲
Recurring financial income75€0€59▲
Financial charges65/66B€7k€11k▲
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€-58k€-99k▼
Income taxes67/77€0€216▲
Profit (loss) for the period9904€-58k€-100k▼
Profit (loss) for the period to be appropriated9905€-58k€-100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-58k€-158k▼
Profit (loss) brought forward from the previous period14P-€-58k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-100k
Net result drops to €-100k, the lowest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €43k ▲1237%
Operating result €83k, net result €43k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2020
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.
Schijnparklaan 282900 SchotenGround area
1,961 m²
Building footprint
250 m²
Volume, LiDAR
1,784 m³
Parcel 11040D0432/00X000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAMICO
since 20202.299.494.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0432/00X000 | Flanders | 1,961 m² | 1 · 250 m² | 10.1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 7,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
CEKOMA
BE 0412.932.760
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Middelpunt Invest
BE 0502.569.866
Hooglede · Eq €20k
A.L.B.
BE 0872.731.764
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OAKWOOD PROPERTIES
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CRE-IMMO
BE 0735.940.780
Waregem · Eq €19k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 2,177 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2020
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
47120Other non-specialised retail sale
47910Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
77399Renting and leasing of other machinery, equipment and tangible goods
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.