Summary
CAMICON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €890,991 and a net result of -€66,561. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 8074 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
8 d early
2023
21 d early
2022
31 d early
2021
11 d early
2020
11 d early
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€890,991▼ 7.0%
2024 · €957,552
Net result
-€66,561
2024 · €72,514
Total assets
€3.4m▼ 11.9%
2024 · €3.9m
Solvency
26.1%▲ 1.4pp
2024 · 24.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€86,337▼ 50.5%€138,268▲ 60.1%-€31,954€193,137-€4,100
Net result€51,939within the sector's middle half▼ 55.2%€64,629within the sector's middle half▲ 24.4%-€54,286below the sector's middle half€72,514within the sector's middle half-€66,561below the sector's middle half
Equity€875,528above the sector's middle half▲ 3.4%€940,157above the sector's middle half▲ 7.4%€885,871above the sector's middle half▼ 5.8%€957,552above the sector's middle half▲ 8.1%€890,991above the sector's middle half▼ 7.0%
Total assets€2.5mabove the sector's middle half▼ 1.0%€2.5mabove the sector's middle half▼ 0.4%€3.9mabove the sector's middle half▲ 55.5%€3.9mabove the sector's middle half▼ 0.9%€3.4mabove the sector's middle half▼ 11.9%
Debt€1.6m▼ 3.1%€1.5m▼ 4.6%€2.9m▲ 97.3%€2.8m▼ 3.5%€2.5m▼ 13.7%
Working capital-€61,950▲ 86.4%-€81,105▼ 30.9%-€22,600▲ 72.1%-€1.7m▼ 7,285%-€1.7m▼ 4.3%
Solvency34.7%within the sector's middle half▲ 1.5pp37.4%within the sector's middle half▲ 2.7pp22.7%below the sector's middle half▼ 14.7pp24.7%within the sector's middle half▲ 2.1pp26.1%within the sector's middle half▲ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4,100 after €193,137 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.4m
Fixed assets
€3.3m ▼ 4.9%
Current assets
€105,601 ▼ 73.2%
Equity and liabilities €3.4m
Equity
€890,991 ▼ 7.0%
Provisions
€70,263 ▼ 4.8%
Debt
€2.5m ▼ 13.7%
Debt's share of the balance-sheet total falls from 73.4% to 71.8%. Equity and debt are lower.
Key figures and ratios
ROE
-7.5%▼
2024 · 7.6%
ROA
-2.0%▼
2024 · 1.9%
Debt ≤ 1 year
€1.8m▼
2024 · €2.1m
Debt > 1 year
€552,145▼
2024 · €703,762
Income taxes
€1,251▼
2024 · €32,899
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €58,106 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €117,978 | €100,540 | €294,121 | €92,666 | €89,812 | ▼ 3.1% |
| Other operating charges640/8 | €11,131 | €3,513 | €14,889 | €66,848 | €50,501 | ▼ 24.5% |
| Non-recurring operating charges66A | - | - | €30,150 | €0 | - | - |
| Gross operating margin9900 | €215,446 | €242,322 | €307,206 | €352,650 | €136,213 | ▼ 61.4% |
| Operating profit (loss)9901 | €86,337 | €138,268 | -€31,954 | €193,137 | -€4,100 | ▼ 102% |
| Financial income75/76B | €0 | €234 | €388 | €0 | €946 | ▲ 1,351,543% |
| Recurring financial income75 | €0 | €234 | €388 | €0 | €946 | ▲ 1,351,543% |
| Financial charges65/66B | €28,183 | €21,665 | €16,250 | €91,285 | €65,716 | ▼ 28.0% |
| Recurring financial charges65 | €28,183 | €21,665 | €16,250 | €91,285 | €65,716 | ▼ 28.0% |
| Profit (loss) for the period before taxes9903 | €58,154 | €116,837 | -€47,817 | €101,852 | -€68,870 | ▼ 168% |
| Transfer from deferred taxes780 | €3,784 | €3,560 | €3,560 | €3,560 | €3,560 | = |
| Income taxes67/77 | €10,000 | €55,768 | €10,030 | €32,899 | €1,251 | ▼ 96.2% |
| Profit (loss) for the period9904 | €51,939 | €64,629 | -€54,286 | €72,514 | -€66,561 | ▼ 192% |
| Transfer from tax-exempt reserves789 | €20,427 | €6,914 | €6,914 | €6,914 | €6,914 | = |
| Profit (loss) for the period to be appropriated9905 | €72,365 | €71,544 | -€47,372 | €79,428 | -€59,647 | ▼ 175% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.5m | €2.5m | €3.9m | €3.9m | €3.4m | ▼ 11.9% |
| Fixed assets21/28 | €2.3m | €2.2m | €3.6m | €3.5m | €3.3m | ▼ 4.9% |
| Tangible fixed assets22/27 | €2.3m | €2.2m | €3.6m | €3.5m | €3.3m | ▼ 4.9% |
| Land and buildings22 | €2.3m | €2.2m | €3.5m | €3.4m | €3.2m | ▼ 5.5% |
| Plant, machinery and equipment23 | €56,571 | €36,626 | €48,522 | €42,275 | €45,664 | ▲ 8.0% |
| Furniture and vehicles24 | - | - | €30,540 | €22,905 | €15,270 | ▼ 33.3% |
| Other tangible fixed assets26 | - | - | - | - | €22,000 | - |
| Financial fixed assets28 | €1,575 | €375 | €375 | €375 | €931 | ▲ 148% |
| Current assets29/58 | €196,747 | €284,759 | €339,002 | €394,219 | €105,601 | ▼ 73.2% |
| Amounts receivable within one year40/41 | €191,193 | €271,090 | €317,865 | €104,106 | €86,318 | ▼ 17.1% |
| Trade receivables40 | €63,500 | €75,000 | €225,500 | €65,117 | €4,074 | ▼ 93.7% |
| Other amounts receivable41 | €127,693 | €196,090 | €92,365 | €38,989 | €82,244 | ▲ 111% |
| Cash at bank and in hand54/58 | €5,554 | €13,670 | €21,137 | €140,114 | €19,284 | ▼ 86.2% |
| Deferred charges and accrued income490/1 | - | - | - | €150,000 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.5m | €2.5m | €3.9m | €3.9m | €3.4m | ▼ 11.9% |
| Equity10/15 | €875,528 | €940,157 | €885,871 | €957,552 | €890,991 | ▼ 7.0% |
| Contributions10/11 | €404,500 | €404,500 | €404,500 | €404,500 | €404,500 | = |
| Reserves13 | €470,591 | €535,657 | €481,371 | €553,052 | €486,491 | ▼ 12.0% |
| Non-distributable reserves130/1 | €40,450 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €40,450 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €66,141 | €59,226 | €52,312 | €45,398 | €38,484 | ▼ 15.2% |
| Distributable reserves133 | €364,000 | €476,431 | €429,059 | €507,654 | €448,007 | ▼ 11.7% |
| Profit (loss) carried forward14 | €437 | €0 | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €84,504 | €80,944 | €77,384 | €73,823 | €70,263 | ▼ 4.8% |
| Provisions for liabilities and charges160/5 | €50,447 | €50,447 | €50,447 | €50,447 | €50,447 | = |
| Pensions and similar obligations160 | €50,447 | €50,447 | €50,447 | €50,447 | €50,447 | = |
| Deferred taxes168 | €34,057 | €30,497 | €26,937 | €23,376 | €19,816 | ▼ 15.2% |
| Amounts payable17/49 | €1.6m | €1.5m | €2.9m | €2.8m | €2.5m | ▼ 13.7% |
| Amounts payable after more than one year17 | €1.3m | €1.1m | €2.6m | €703,762 | €552,145 | ▼ 21.5% |
| Financial debts170/4 | €1.3m | €1.1m | €2.6m | €693,762 | €542,145 | ▼ 21.9% |
| Other amounts payable178/9 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Amounts payable within one year42/48 | €258,697 | €365,864 | €361,602 | €2.1m | €1.8m | ▼ 10.5% |
| Current portion of amounts payable after more than one year42 | €113,641 | €158,683 | €154,735 | €1.9m | €1.8m | ▼ 6.5% |
| Trade debts44 | €41,092 | €34,534 | €170,258 | €39,045 | €67,979 | ▲ 74.1% |
| Suppliers440/4 | €41,092 | €34,534 | €170,258 | €39,045 | €67,979 | ▲ 74.1% |
| Taxes, remuneration and social security45 | €22,347 | €37,075 | €36,319 | €22,986 | €2,853 | ▼ 87.6% |
| Taxes450/3 | €22,347 | €37,075 | €36,319 | €22,986 | €2,853 | ▼ 87.6% |
| Other amounts payable47/48 | €81,617 | €135,571 | €290 | €119,458 | €16,822 | ▼ 85.9% |
| Accrued charges and deferred income492/3 | - | - | - | €73,227 | €52,927 | ▼ 27.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €51,939 | €64,629 | -€54,286 | €72,514 | -€66,561 | ▼ 192% |
| + Depreciation and write-downs630 | €117,978 | €100,540 | €294,121 | €92,666 | €89,812 | ▼ 3.1% |
| Operating cash flow (approximation) | €169,916 | €165,170 | €239,835 | €165,180 | €23,251 | ▼ 85.9% |
| Investment in fixed assets (approximation) | - | -€1,434 | -€1.6m | -€1,322 | €80,551 | ▲ 6,193% |
| Change in cash | - | €8,115 | €7,467 | €118,977 | -€120,830 | ▼ 202% |
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
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€66,561
Net result drops to -€66,561, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €72,514
Net result €72,514 after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €116,019 ▲92.4%
Net result €116,019, the highest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Knokke-Heist · 1 establishment unit since 2004
Ground area
2.0 ha
Building footprint
7,654 m²
Volume, LiDAR
88,747 m³
Parcel 31013C0041/00B000, Flanders · tallest building 30.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CAMICON
since 20042.143.935.570
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0041/00B000 | Flanders | 2.0 ha | 1 · 7,654 m² | 30.0 m · 4 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2021 list no shareholders, and no other source names one.
Holdings 1
-
40%
According to the 2021 annual accounts of CAMICON and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 12,949 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-11-2004
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0870014873
Also
9925:BE0870014873
Registered
12-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.