Summary
CAMOR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €3.6m and a net result of €2.0m. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 125 sector peers (fiscal year 2026). The company has been active since 2010 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 28-02-2026 was due by 30-09-2026 and was filed on 21-09-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
9 d early
2025
1 d late
2024
10 d early
2023
22 d early
2022
7 d late
2021
23 d early
2020
13 d early
← 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 10 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 28-02-2027 and is due by 30-09-2027. Nothing is late today. Usually files around 21 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today28-02-2027 close30-09-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
In the rankings
#10 company by equity in Oostkamp, Finance and insurance sector
Equity
€3.6m▲ 101%
2025 · €1.8m
Net result
€2.0m▲ 572%
2025 · €299,249
Total assets
€4.0m▲ 77.2%
2025 · €2.3m
Solvency
90.5%▲ 10.7pp
2025 · 79.8%
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
Line20222023202420252026
Operating result€14,796-€6,337-€8,781▼ 38.6%-€5,911▲ 32.7%€1,324
Net result€96,048within the sector's middle half€109,611within the sector's middle half▲ 14.1%€151,611within the sector's middle half▲ 38.3%€299,249above the sector's middle half▲ 97.4%€2.0m▲ 572%
Equity€1.3mwithin the sector's middle half▲ 8.3%€1.4mwithin the sector's middle half▲ 8.8%€1.5mwithin the sector's middle half▲ 11.1%€1.8mwithin the sector's middle half▲ 19.8%€3.6m▲ 101%
Total assets€2.1mwithin the sector's middle half▲ 5.7%€2.1mwithin the sector's middle half▼ 1.8%€2.1mwithin the sector's middle half=€2.3mwithin the sector's middle half▲ 8.8%€4.0m▲ 77.2%
Debt€874,953▲ 2.2%€727,715▼ 16.8%€575,152▼ 21.0%€458,605▼ 20.3%€382,523▼ 16.6%
Working capital€2,730within the sector's middle half-€121,653within the sector's middle half-€119,467within the sector's middle half▲ 1.8%€120,448within the sector's middle half€1.6m▲ 1,236%
Solvency58.8%within the sector's middle half▲ 1.4pp65.1%within the sector's middle half▲ 6.3pp72.4%within the sector's middle half▲ 7.3pp79.8%above the sector's middle half▲ 7.4pp90.5%▲ 10.7pp
Current ratio1.08within the sector's middle half▲ 0.820.01below the sector's middle half▼ 1.070.00below the sector's middle half▼ 0.012.91within the sector's middle half▲ 2.915.21▲ 2.30
Return on assets (ROA)4.5%within the sector's middle half▲ 17.3pp5.2%within the sector's middle half▲ 0.7pp7.3%within the sector's middle half▲ 2.0pp13.2%above the sector's middle half▲ 5.9pp50.0%▲ 36.8pp
Staff (FTE)0within the sector's middle half
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €1,324 after a loss of €5,911 in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €4.0m
Fixed assets
€2.0m ▼ 2.7%
Current assets
€2.0m ▲ 986%
Equity and liabilities €4.0m
Equity
€3.6m ▲ 101%
Debt
€382,523 ▼ 16.6%
Debt's share of the balance-sheet total falls from 20.2% to 9.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
55.2%▲
2025 · 16.5%
Debt ≤ 1 year
€382,523▲
2025 · €62,984
Income taxes
€201,066▲
2025 · €29,925
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3,214 | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €69 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €467 | €291 | €255 | €201 | €161 | ▼ 20.0% |
| Other operating charges640/8 | €4,180 | €980 | - | €1,094 | €1,126 | ▲ 3.0% |
| Gross operating margin9900 | €19,511 | -€5,066 | -€8,526 | -€4,616 | €2,612 | ▲ 157% |
| Operating profit (loss)9901 | €14,796 | -€6,337 | -€8,781 | -€5,911 | €1,324 | ▲ 122% |
| Financial income75/76B | €150,000 | €150,000 | €199,833 | €350,000 | €2.2m | ▲ 534% |
| Recurring financial income75 | €150,000 | €150,000 | €199,833 | €350,000 | €18,188 | ▼ 94.8% |
| Non-recurring financial income76B | - | - | - | - | €2.2m | - |
| Financial charges65/66B | €68,470 | €23,065 | €24,319 | €14,915 | €10,116 | ▼ 32.2% |
| Recurring financial charges65 | €68,470 | €23,065 | €24,319 | €14,915 | €10,116 | ▼ 32.2% |
| Non-recurring financial charges66B | €0 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €96,326 | €120,598 | €166,733 | €329,174 | €2.2m | ▲ 572% |
| Income taxes67/77 | €277 | €10,987 | €15,122 | €29,925 | €201,066 | ▲ 572% |
| Profit (loss) for the period9904 | €96,048 | €109,611 | €151,611 | €299,249 | €2.0m | ▲ 572% |
| Profit (loss) for the period to be appropriated9905 | €96,048 | €109,611 | €151,611 | €299,249 | €2.0m | ▲ 572% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.1m | €2.1m | €2.1m | €2.3m | €4.0m | ▲ 77.2% |
| Fixed assets21/28 | €2.1m | €2.1m | €2.1m | €2.1m | €2.0m | ▼ 2.7% |
| Tangible fixed assets22/27 | €908 | €617 | €362 | €161 | - | - |
| Furniture and vehicles24 | €908 | €617 | €362 | €161 | - | - |
| Leasing and similar rights25 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €2.1m | €2.1m | €2.1m | €2.1m | €2.0m | ▼ 2.6% |
| Current assets29/58 | €38,561 | €1,225 | €528 | €183,432 | €2.0m | ▲ 986% |
| Amounts receivable within one year40/41 | €24,154 | €13 | €3 | - | €1.7m | - |
| Trade receivables40 | €24,154 | €0 | - | - | €5,445 | - |
| Other amounts receivable41 | €0 | €13 | €3 | - | €1.7m | - |
| Cash at bank and in hand54/58 | €14,407 | €1,212 | €525 | €183,432 | €227,306 | ▲ 23.9% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | €18,683 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.1m | €2.1m | €2.1m | €2.3m | €4.0m | ▲ 77.2% |
| Equity10/15 | €1.3m | €1.4m | €1.5m | €1.8m | €3.6m | ▲ 101% |
| Contributions10/11 | €881,000 | €881,000 | €881,000 | €881,000 | €881,000 | = |
| Reserves13 | €369,685 | €479,296 | €630,907 | €930,156 | €2.8m | ▲ 197% |
| Non-distributable reserves130/1 | €88,100 | €88,100 | - | - | - | - |
| Reserves not available under the articles1311 | €88,100 | €88,100 | - | - | - | - |
| Distributable reserves133 | €281,585 | €391,196 | €630,907 | €930,156 | €2.8m | ▲ 197% |
| Amounts payable17/49 | €874,953 | €727,715 | €575,152 | €458,605 | €382,523 | ▼ 16.6% |
| Amounts payable after more than one year17 | €784,218 | €596,171 | €448,587 | €390,087 | - | - |
| Financial debts170/4 | €550,000 | €360,000 | €270,000 | €270,000 | - | - |
| Other amounts payable178/9 | €234,218 | €236,171 | €178,587 | €120,087 | - | - |
| Amounts payable within one year42/48 | €35,831 | €122,878 | €119,994 | €62,984 | €382,523 | ▲ 507% |
| Current portion of amounts payable after more than one year42 | €0 | €90,000 | €90,000 | - | - | - |
| Trade debts44 | €23,255 | €141 | - | €726 | €127 | ▼ 82.5% |
| Suppliers440/4 | €23,255 | €141 | - | €726 | €127 | ▼ 82.5% |
| Taxes, remuneration and social security45 | €250 | €11,237 | €15,161 | €29,925 | €201,069 | ▲ 572% |
| Taxes450/3 | €250 | €11,237 | €15,161 | €29,925 | €201,069 | ▲ 572% |
| Other amounts payable47/48 | €12,325 | €21,500 | €14,833 | €32,333 | €181,327 | ▲ 461% |
| Accrued charges and deferred income492/3 | €54,904 | €8,666 | €6,570 | €5,534 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96,048 | €109,611 | €151,611 | €299,249 | €2.0m | ▲ 572% |
| + Depreciation and write-downs630 | €467 | €291 | €255 | €201 | €161 | ▼ 20.0% |
| Operating cash flow (approximation) | €96,515 | €109,902 | €151,866 | €299,451 | €2.0m | ▲ 572% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €55,169 | - |
| Change in cash | - | -€13,195 | -€687 | €182,907 | €43,874 | ▼ 76.0% |
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 2027, expected by
2026
21-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
28-02
Financial
Highest result since 2019net €2.0m ▲572%
Net result €2.0m, the highest in the series.
28-02
Financial
Equity above €2mEq €3.6m ▲101%
5 profitable years in a row build equity to €3.6m.
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 1 day late
28-02
Financial
Liquidity times 662current ratio 2.91
Current ratio from 0.00 to 2.91; short-term debt falls from €119,994 to €62,984.
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
08-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
28-02
Financial
Back to profitnet €96,048
Net result €96,048 after 3 loss-making years.
28-02
Financial
Liquidity quadruplescurrent ratio 1.08
Current ratio from 0.26 to 1.08; short-term debt falls from €52,239 to €35,831.
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-02
Financial
Weakest financial yearnet -€256,041
Net result drops to -€256,041, the lowest in the series; recovery starts the following year.
Show earlier events
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Oostkamp · 1 establishment unit since 2010
Ground area
631 m²
Building footprint
170 m²
Volume, LiDAR
690 m³
Parcel 31403H0897/00V003, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Molenakkerstraat 48, 8020 Oostkamp
since 20102.197.001.302
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403H0897/00V003 | Flanders | 631 m² | 1 · 169 m² | 9.9 m · 1 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
2 holdingsOwners 0
The accounts to 28-02-2025 list no shareholders, and no other source names one.
Holdings 2
-
99.67%
-
50%
According to the annual accounts to 28-02-2025 of CAMOR 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. 9,132 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
Founded04-10-2010
Fiscal year end28-02
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0830072154
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.