CAML
ActiveCAML has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €96k. Its solvency ranks better than 88% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 10.1 against 5.3 in 2024), and 9.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
90.1%
Return on assets
51%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
24 d early
2024
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€169k▲ 130%
2024 · €73k
2024: €73k
2024 → 2025
Total assets
€187k▲ 108%
2024 · €90k
2024: €90k
2024 → 2025
Net result
€96k▲ 40.0%
2024 · €68k
2024: €68k
2024 → 2025
Working capital
€168k▲ 133%
2024 · €72k
2024: €72k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€73k-€169k▲ 130%
Operating result€86k-€121k▲ 41.5%
Net result€68k-€96k▲ 40.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€562▼ 51.1%
Current assets
€187k▲ 110%
Equity and liabilities €187k
Equity
€169k▲ 130%
Debt
€19k▲ 10.3%
The debt ratio falls from 18.6% to 9.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€122k▲
2024 · €88k
Cash flow
€96k▲
2024 · €70k
Solvency
90.1%▲
2024 · 81.4%
Current ratio
10.10▲
2024 · 5.30
Quick ratio
10.10▲
2024 · 5.30
Debt / equity
0.11▼
2024 · 0.23
ROE
56.6%▼
2024 · 93.2%
ROA
51.0%▼
2024 · 75.8%
Interest coverage
2800.66▼
2024 · 4489.75
Debt
€19k▲
2024 · €17k
Debt ≤ 1 year
€19k▲
2024 · €17k
Income taxes
€26k▲
2024 · €17k
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€90k€187k▲
Fixed assets21/28€1k€562▼
Tangible fixed assets22/27€1k€562▼
Furniture and vehicles24€1k€562▼
Current assets29/58€89k€187k▲
Amounts receivable within one year40/41€14k€21k▲
Trade receivables40€14k€17k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€75k€166k▲
Equity and liabilities
Total equity and liabilities10/49€90k€187k▲
Equity10/15€73k€169k▲
Contributions10/11€5k€5k=
Reserves13€68k€164k▲
Distributable reserves133€68k€164k▲
Amounts payable17/49€17k€19k▲
Amounts payable within one year42/48€17k€19k▲
Trade debts44€2k€500▼
Suppliers440/4€2k€500▼
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€3k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€588▼
Other operating charges640/8€609€66▼
Gross operating margin9900€88k€122k▲
Operating profit (loss)9901€86k€121k▲
Financial charges65/66B€20€44▲
Recurring financial charges65€20€44▲
Profit (loss) for the period before taxes9903€86k€121k▲
Income taxes67/77€17k€26k▲
Profit (loss) for the period9904€68k€96k▲
Profit (loss) for the period to be appropriated9905€68k€96k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€96k▲
Transfer to equity691/2€68k€96k▲
To other reserves6921€68k€96k▲
The notes to these accounts (4 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €169k ▲130%
2 profitable years in a row build equity to €169k.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Gent · 1 establishment unit since 2023
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.
Brusselsesteenweg 3369050 GentGround area
285 m²
Building footprint
165 m²
Volume, LiDAR
2,060 m³
Parcel 44032A0181/00H012, Flanders · tallest building 20.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CAML
since 20232.346.368.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0181/00H012 | Flanders | 285 m² | 1 · 165 m² | 20.5 m · 5 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.
Similar companies · same sector, comparable size
CDS
BE 0795.251.332
Grimbergen · Eq €169k
PAUL JANSSENS CONSULTING SERVICES
BE 1002.362.267
Kaprijke · Eq €169k
BlueIT Solutions
BE 0817.964.376
Grobbendonk · Eq €169k
HATCH SOFTWARE
BE 0629.916.911
Bierbeek · Eq €169k
ALTERNATIVE SOLUTIONS
BE 0467.508.623
Tervuren · Eq €169k
Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,152 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2023
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.