CAMOS
ActiveSummary
CAMOS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-2
Solvency37▲+23
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.71 against 1.0 in 2024; short-term debt: 70.8% and cash: 0.1% of total assets), and 88.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
11.5%
Return on assets
15.6%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
32 d early
2023
40 d early
2022
58 d late
2021
30 d late
2020
63 d early
2019
56 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k
2024 · €-9k
2018: €9k
2019: €19k▲ +104% vs 2018
2020: €33k▲ +74.2% vs 2019highest in 8 years
2021: €11k▼ -67.7% vs 2020
2022: €2k▼ -82.1% vs 2021
2023: €-23k▼ -1333% vs 2022lowest in 8 years
2024: €-9k▲ +59.8% vs 2023
2025: €27k▲ +382% vs 2024
2018 → 2025
Total assets
€230k▲ 180%
2024 · €82k
2018: €25klowest in 8 years
2019: €51k▲ +106% vs 2018
2020: €104k▲ +104% vs 2019
2021: €201k▲ +93.8% vs 2020
2022: €223k▲ +10.8% vs 2021
2023: €157k▼ -29.5% vs 2022
2024: €82k▼ -47.7% vs 2023
2025: €230k▲ +180% vs 2024highest in 8 years
2018 → 2025
Net result
€36k▲ 157%
2024 · €14k
2018: €7k
2019: €10k▲ +40.1% vs 2018
2020: €14k▲ +45.9% vs 2019
2021: €-22k▼ -259% vs 2020
2022: €-9k▲ +60.9% vs 2021
2023: €-25k▼ -191% vs 2022lowest in 8 years
2024: €14k▲ +155% vs 2023
2025: €36k▲ +157% vs 2024highest in 8 years
2018 → 2025
Working capital
€-48k▼ 15,316%
2024 · €-309
2018: €9k
2019: €7k▼ -24.3% vs 2018
2020: €43k▲ +545% vs 2019
2021: €77k▲ +79.0% vs 2020highest in 8 years
2022: €47k▼ -39.6% vs 2021
2023: €5k▼ -90.2% vs 2022
2024: €-309▼ -107% vs 2023
2025: €-48k▼ -15316% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€2k▼ 82.1%€-23k€-9k▲ 59.8%€27k
2021: €11k
2022: €2k▼ -82.1% vs 2021
2023: €-23k▼ -1333% vs 2022lowest in 5 years
2024: €-9k▲ +59.8% vs 2023
2025: €27k▲ +382% vs 2024highest in 5 years
Operating result€-19k-€-2k▲ 91.2%€-23k▼ 1,251%€15k€37k▲ 143%
2021: €-19k
2022: €-2k▲ +91.2% vs 2021
2023: €-23k▼ -1251% vs 2022lowest in 5 years
2024: €15k▲ +168% vs 2023
2025: €37k▲ +143% vs 2024highest in 5 years
Net result€-22k-€-9k▲ 60.9%€-25k▼ 191%€14k€36k▲ 157%
2021: €-22k
2022: €-9k▲ +60.9% vs 2021
2023: €-25k▼ -191% vs 2022lowest in 5 years
2024: €14k▲ +155% vs 2023
2025: €36k▲ +157% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 143% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€115k ▲ 9,320%
Current assets
€115k ▲ 43.5%
Equity and liabilities €230k
Equity
€27k
Debt
€203k
Debt finances 88.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€46k▲
2024 · €17k
Cash flow
€45k▲
2024 · €16k
Current ratio
0.71▼
2024 · 1.00
Quick ratio
0.18▼
2024 · 0.80
Debt to equity
7.68▲
2024 · -9.73
ROE
135.5%
ROA
15.6%▼
2024 · 17.0%
Interest coverage
21.38▲
2024 · 9.25
Debt ≤ 1 year
€163k▲
2024 · €81k
Debt > 1 year
€40k▲
2024 · €10k
Income taxes
€132▼
2024 · €133
Staff costs
€122k▲
2024 · €103k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€230k▲
Formation expenses20€598€254▼
Fixed assets21/28€1k€115k▲
Intangible fixed assets21-€10k
Tangible fixed assets22/27€853€104k▲
Land and buildings22-€3k
Plant, machinery and equipment23-€32k
Furniture and vehicles24€853€69k▲
Financial fixed assets28€363€363=
Current assets29/58€80k€115k▲
Stocks and contracts in progress3€16k€85k▲
Stocks30/36€16k€85k▲
Amounts receivable within one year40/41€45k€24k▼
Trade receivables40€45k€24k▼
Other amounts receivable41€33-
Cash at bank and in hand54/58€10k€120▼
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€82k€230k▲
Equity10/15€-9k€27k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-28k€8k▲
Amounts payable17/49€91k€203k▲
Amounts payable after more than one year17€10k€40k▲
Financial debts170/4€10k€40k▲
Amounts payable within one year42/48€81k€163k▲
Current portion of amounts payable after more than one year42€26k€31k▲
Financial debts43-€42k
Credit institutions430/8-€42k
Trade debts44€10k€60k▲
Suppliers440/4€8k€60k▲
Bills of exchange payable441€2k-
Taxes, remuneration and social security45€38k€26k▼
Taxes450/3€5k€791▼
Remuneration and social security454/9€33k€25k▼
Other amounts payable47/48€7k€3k▼
Accrued charges and deferred income492/3€409€631▲
Income statement
Code20242025
Remuneration, social security and pensions62€103k€122k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€2k€7k▲
Gross operating margin9900€122k€175k▲
Operating profit (loss)9901€15k€37k▲
Financial income75/76B€649€943▲
Recurring financial income75€649€943▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€14k€36k▲
Income taxes67/77€133€132▼
Profit (loss) for the period9904€14k€36k▲
Profit (loss) for the period to be appropriated9905€14k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€8k▲
Profit (loss) brought forward from the previous period14P€-42k€-28k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €71k | €88k | €101k | €103k | €122k | ▲ 18.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €1k | €2k | €9k | ▲ 458% |
| Other operating charges640/8 | €363 | €246 | €2k | €2k | €7k | ▲ 249% |
| Gross operating margin9900 | €57k | €91k | €82k | €122k | €175k | ▲ 43.2% |
| Operating profit (loss)9901 | €-19k | €-2k | €-23k | €15k | €37k | ▲ 143% |
| Financial income75/76B | €3 | €80 | €120 | €649 | €943 | ▲ 45.2% |
| Recurring financial income75 | €3 | €80 | €120 | €649 | €943 | ▲ 45.2% |
| Financial charges65/66B | €3k | €7k | €3k | €2k | €2k | ▲ 18.0% |
| Recurring financial charges65 | €3k | €7k | €3k | €2k | €2k | ▲ 18.0% |
| Profit (loss) for the period before taxes9903 | €-22k | €-9k | €-25k | €14k | €36k | ▲ 155% |
| Income taxes67/77 | €137 | €159 | €166 | €133 | €132 | ▼ 1.1% |
| Profit (loss) for the period9904 | €-22k | €-9k | €-25k | €14k | €36k | ▲ 157% |
| Profit (loss) for the period to be appropriated9905 | €-22k | €-9k | €-25k | €14k | €36k | ▲ 157% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €201k | €223k | €157k | €82k | €230k | ▲ 180% |
| Formation expenses20 | - | - | €942 | €598 | €254 | ▼ 57.6% |
| Fixed assets21/28 | €10k | €7k | €2k | €1k | €115k | ▲ 9,320% |
| Intangible fixed assets21 | - | - | - | - | €10k | - |
| Tangible fixed assets22/27 | €10k | €7k | €2k | €853 | €104k | ▲ 12,110% |
| Land and buildings22 | - | - | - | - | €3k | - |
| Plant, machinery and equipment23 | - | - | - | - | €32k | - |
| Furniture and vehicles24 | €10k | €7k | €2k | €853 | €69k | ▲ 7,997% |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €191k | €216k | €154k | €80k | €115k | ▲ 43.5% |
| Stocks and contracts in progress3 | €150k | €173k | €67k | €16k | €85k | ▲ 449% |
| Stocks30/36 | €150k | €173k | €67k | €16k | €85k | ▲ 449% |
| Amounts receivable within one year40/41 | €25k | €32k | €72k | €45k | €24k | ▼ 46.9% |
| Trade receivables40 | €22k | €27k | €69k | €45k | €24k | ▼ 46.9% |
| Other amounts receivable41 | €2k | €5k | €3k | €33 | - | - |
| Cash at bank and in hand54/58 | €16k | €814 | €3k | €10k | €120 | ▼ 98.8% |
| Deferred charges and accrued income490/1 | €517 | €10k | €12k | €10k | €6k | ▼ 39.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €201k | €223k | €157k | €82k | €230k | ▲ 180% |
| Equity10/15 | €11k | €2k | €-23k | €-9k | €27k | ▲ 382% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Outside capital11 | €19k | €19k | - | - | - | - |
| Other1109/19 | €19k | €19k | - | - | - | - |
| Reserves13 | €241 | €241 | - | - | - | - |
| Non-distributable reserves130/1 | €241 | €241 | - | - | - | - |
| Reserves not available under the articles1311 | €241 | €241 | - | - | - | - |
| Profit (loss) carried forward14 | €-8k | €-17k | €-42k | €-28k | €8k | ▲ 127% |
| Amounts payable17/49 | €191k | €221k | €180k | €91k | €203k | ▲ 122% |
| Amounts payable after more than one year17 | €77k | €51k | €31k | €10k | €40k | ▲ 281% |
| Financial debts170/4 | €77k | €51k | €31k | €10k | €40k | ▲ 281% |
| Amounts payable within one year42/48 | €114k | €169k | €149k | €81k | €163k | ▲ 102% |
| Current portion of amounts payable after more than one year42 | €39k | €52k | €22k | €26k | €31k | ▲ 20.6% |
| Financial debts43 | - | €2k | €7k | - | €42k | - |
| Credit institutions430/8 | - | €2k | €7k | - | €42k | - |
| Trade debts44 | €38k | €52k | €65k | €10k | €60k | ▲ 509% |
| Suppliers440/4 | €36k | €52k | €65k | €8k | €60k | ▲ 636% |
| Bills of exchange payable441 | €2k | - | - | €2k | - | - |
| Taxes, remuneration and social security45 | €23k | €19k | €25k | €38k | €26k | ▼ 30.5% |
| Taxes450/3 | €13k | €9k | €325 | €5k | €791 | ▼ 82.9% |
| Remuneration and social security454/9 | €11k | €10k | €24k | €33k | €25k | ▼ 23.1% |
| Other amounts payable47/48 | €14k | €44k | €30k | €7k | €3k | ▼ 58.6% |
| Accrued charges and deferred income492/3 | €166 | €391 | €217 | €409 | €631 | ▲ 54.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-22k | €-9k | €-25k | €14k | €36k | ▲ 157% |
| + Depreciation and write-downs630 | €4k | €4k | €1k | €2k | €9k | ▲ 458% |
| Operating cash flow (approximation) | €-18k | €-4k | €-24k | €16k | €45k | ▲ 187% |
| Investment in fixed assets (approximation) | - | €-1k | €3k | €-344 | €-122k | ▼ 35,364% |
| Change in cash | - | €-15k | €2k | €7k | €-10k | ▼ 235% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €36k ▲157%
Operating result €37k, net result €36k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
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 2 acts read
About the unread acts
We know of 2 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
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, La Louvière · 1 establishment unit since 2016
Ground area
1.5 ha
Building footprint
106 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
CAMOS
since 20162.252.824.208
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55020B0417/00K006 | Wallonia | 9,737 m² | - | - |
| 55046C0197/00G000 | Wallonia | 5,581 m² | 1 · 106 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLa Louvière2.252.824.208
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Of 69 companies in sector 46332 we hold annual accounts for 28. 14 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
Founded29-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46332Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46450Wholesale of perfume and cosmetics
46851Wholesale of industrial chemicals
47279Other retail sale of food
Scores and ratios are computed by Checked and are not a credit decision.