Equity
-€115,920
Debts exceed assets in financial year 2025.
CAMMEL
Lifetime
18 annual accounts with figures on one time axis, 30 filings since 1993peak €226,778 (2013)
€39,412▼ 39.1%
lowest -€168,438 (2013)
-€14,759▼ €10,110
peak €366,024 (2010)
-€115,920▼ €14,759
€549,237▲ 13.4%
Board4 names since 2019
1 director
Documentsfilings and deeds
29-10-202690 days late
2025micro format
Gross margin from €64,725 to €39,412Loss of €14,759Equity from -€101,161 to -€115,920Cash from €5,826 to €1,388
Key points
from the 2025 annual accountsLosses
-€19,408 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Debts
€549,237 121% of the balance sheet
Financial debts 38%Suppliers 11%Taxes and wages 1%Other 51%
Of this, €338,224 falls due within a year.
Investments
€60,243 1.8 × depreciation
Green is investment, beige is depreciation. Machinery stands 22.0% higher than in 2024.
Filings
30 annual accounts 90 days
Latest accounts filed late: after the legal deadline.
Position in the sector
-€115,920
Less equity than 94% of companies in real estate. Sector median €86,468 · 19,833 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,241 companies had the same profile as CAMMEL has now. Each dot stands for 4 companies, two years later.
92.7%
were still trading
4.0%
stopped another way
1.9%
went bankrupt
Another 1.4% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 1,241 companies, not a prediction for CAMMEL. 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.
Credit verdict
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Signals
Board and ownership
Managing director
Director, since 10-02-2022
- 52%deed of 24-04-2019
- 24%deed of 24-04-2019
- 24%deed of 24-04-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0449150580
Appointment: (director)
Resignation: (director) · Director discharge: · General meeting of 10-02-2022 · Gazette deed
New managing director
appointed, resigned · Director discharge: · holds 52% of the shares · General meeting of 08-04-2019 · Gazette deed
Incorporation
published on 29-01-1993 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAMMEL Chapelle-lez-Herlaimont | €453,370 | €39,412 | -25.6% | - |
| LTIM CONSULT Jurbise | €511,661 | €44,775 | 31.4% | - |
| TAFYMO Boussu | €499,621 | €47,482 | 53.8% | - |
| D & R BEHEER Pelt | €473,912 | €36,295 | 84.0% | - |
| REIGERSBELANG Antwerp | €479,211 | €43,830 | 23.4% | - |
| INVESTING Kontich | €416,137 | €40,477 | 73.8% | - |
| Peach.ELD Leuven | €479,030 | €45,600 | 60.4% | - |
These companies have the same main activity as CAMMEL: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €416,000 and €512,000, founded between 1989 and 1995.
Official details
Source: KBO- Status
- Active since 24-12-1992Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 2 others
- Establishment unit
- 2.225.367.8627160 Chapelle-lez-Herlaimont, since 24-12-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 15-01-2026
Insights on CAMMEL
CAMMEL files the micro format. That format states no turnover. The gross margin fell from €68,677 in 2007 to €39,412 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CAMMEL
- What is the company number of CAMMEL?
- The company number of CAMMEL is 0449.150.580. The VAT number is the same number with BE in front: BE 0449.150.580.
- Where is CAMMEL based?
- The registered office is at Rue de Verviers 9, 7160 Chapelle-lez-Herlaimont.Company details
- What does CAMMEL do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of CAMMEL?
- CAMMEL is a public limited company (NV).
- When was CAMMEL founded?
- CAMMEL was founded on 24-12-1992.
- Is CAMMEL still active?
- Yes, CAMMEL is an active enterprise in the KBO register.
- What is the turnover of CAMMEL?
- The turnover in financial year 2025 is ≈ €64,000. This figure is estimated from the gross margin of €39,412 and 51 comparable companies (NACE 682). It probably lies between €48,000 and €94,000.Financials
- Is CAMMEL profitable?
- In financial year 2025, CAMMEL made a loss of €14,759.
- Where can I find the annual accounts of CAMMEL?
- CAMMEL filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAMMEL due?
- CAMMEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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