CAMMY
ActiveCAMMY 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 €501k and a net result of €-54k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 5495 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
51 d early
2022
60 d late
2021
134 d late
2020
499 d late
2019
134 d late
← 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, abbreviated schema
Equity
€501k▼ 9.7%
2024 · €555k
2018: €-3k
2019: €89k
2020: €149k
2021: €291k
2022: €326k
2023: €377k
2024: €555k
2018 → 2025
Net result
€-54k
2024 · €178k
2018: €-9k
2019: €92k
2020: €78k
2021: €130k
2022: €35k
2023: €51k
2024: €178k
2018 → 2025
Total assets
€1.27M▼ 12.8%
2024 · €1.45M
2018: €10k
2019: €213k
2020: €386k
2021: €366k
2022: €444k
2023: €1.45M
2024: €1.45M
2018 → 2025
Solvency
39.5%▲ 1.4pp
2024 · 38.1%
2018: -28.0%
2019: 41.8%
2020: 38.7%
2021: 79.7%
2022: 73.4%
2023: 26.1%
2024: 38.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€326k▲ 11.9%€377k▲ 15.8%€555k▲ 47.1%€501k▼ 9.7%
Operating result€84k-€141k▲ 67.6%€1k▼ 99.3%€22k▲ 2,108%€-2k
Net result€130k-€35k▼ 73.3%€51k▲ 48.5%€178k▲ 246%€-54k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €22k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.18M▼ 13.5%
Current assets
€83k▼ 2.5%
Equity and liabilities €1.27M
Equity
€501k▼ 9.7%
Debt
€767k▼ 14.8%
The debt ratio falls from 61.9% to 60.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
39.5%▲
2024 · 38.1%
ROE
-10.7%▼
2024 · 32.0%
ROA
-4.2%▼
2024 · 12.2%
Debt
€767k▼
2024 · €900k
Debt ≤ 1 year
€150k▲
2024 · €144k
Debt > 1 year
€617k▼
2024 · €755k
Income taxes
€265▼
2024 · €4k
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€1.45M€1.27M▼
Fixed assets21/28€1.37M€1.18M▼
Tangible fixed assets22/27€9k€9k▲
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€1.36M€1.18M▼
Current assets29/58€85k€83k▼
Amounts receivable within one year40/41€55k€74k▲
Other amounts receivable41€55k€74k▲
Cash at bank and in hand54/58€29k€9k▼
Deferred charges and accrued income490/1€1k€855▼
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.27M▼
Equity10/15€555k€501k▼
Contributions10/11€19k€19k=
Reserves13€264k€264k=
Distributable reserves133€264k€264k=
Profit (loss) carried forward14€272k€218k▼
Amounts payable17/49€900k€767k▼
Amounts payable after more than one year17€755k€617k▼
Financial debts170/4€755k€617k▼
Amounts payable within one year42/48€144k€150k▲
Current portion of amounts payable after more than one year42€143k€149k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€72€196▲
Taxes450/3€72€196▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€26k€3k▼
Operating profit (loss)9901€22k€-2k▼
Financial income75/76B€201k€167k▼
Recurring financial income75€201k€167k▼
Financial charges65/66B€42k€219k▲
Recurring financial charges65€42k€34k▼
Non-recurring financial charges66B-€184k
Profit (loss) for the period before taxes9903€182k€-53k▼
Income taxes67/77€4k€265▼
Profit (loss) for the period9904€178k€-54k▼
Profit (loss) for the period to be appropriated9905€178k€-54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€372k€218k▼
Profit (loss) brought forward from the previous period14P€194k€272k▲
Transfer to equity691/2€100k-
To other reserves6921€100k-
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-54k ▼130%
Net result drops to €-54k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €178k ▲246%
Net result €178k, the highest in the series.
31-12
Financial
Equity above €500kEq €555k ▲47.1%
6 profitable years in a row build equity to €555k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 134 days late
12-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 499 days late
2021
31-12
Financial
Equity above €200kEq €291k ▲95%
3 profitable years in a row build equity to €291k.
2020
31-12
Financial
Equity above €100kEq €149k ▲67.6%
2 profitable years in a row build equity to €149k.
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 134 days late
2019
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Enghien · 1 establishment unit since 2018
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.
Koningsweg 77850 EnghienGround area
2,237 m²
Building footprint
284 m²
Parcel 55025D0652/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
CAMMY
since 20182.279.641.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55025D0652/00X002 | Wallonia | 2,237 m² | 1 · 284 m² | - |
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.
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Swisch
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PROPERTY CUBE
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.
Contact details
2 entriesE-mail:cammy.sprl@gmail.com
Phone:0475/41 10 93