CAMPANELLA
ActiveSummary
CAMPANELLA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €78k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 4.03 in 2024; short-term debt: 39.2% and cash: 24.3% of total assets), and 39.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
60.8%
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
6 d early
2023
2 d early
2022
35 d early
2021
2 d early
2020
28 d late
2019
28 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€304k▼ 20.1%
2024 · €381k
2018: €157k
2019: €202k
2020: €250k
2021: €248k
2022: €262k
2023: €301k
2024: €381k
2018 → 2025
Total assets
€501k▲ 8.4%
2024 · €462k
2018: €336k
2019: €265k
2020: €298k
2021: €317k
2022: €336k
2023: €379k
2024: €462k
2018 → 2025
Net result
€78k▼ 37.7%
2024 · €126k
2018: €54k
2019: €45k
2020: €48k
2021: €38k
2022: €69k
2023: €93k
2024: €126k
2018 → 2025
Working capital
€196k▼ 20.3%
2024 · €245k
2018: €116k
2019: €166k
2020: €221k
2021: €230k
2022: €256k
2023: €244k
2024: €245k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€262k▲ 5.5%€301k▲ 14.9%€381k▲ 26.8%€304k▼ 20.1%
Operating result€50k-€94k▲ 88.3%€130k▲ 38.8%€177k▲ 36.1%€107k▼ 39.6%
Net result€38k-€69k▲ 81.6%€93k▲ 34.2%€126k▲ 35.7%€78k▼ 37.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€109k ▼ 19.9%
Current assets
€392k ▲ 20.2%
Equity and liabilities €501k
Equity
€304k ▼ 20.1%
Debt
€197k ▲ 143%
Debt's share of the balance-sheet total rises from 17.5% to 39.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€138k▼
2024 · €200k
Cash flow
€109k▼
2024 · €148k
Current ratio
1.99▼
2024 · 4.03
Debt to equity
0.65▲
2024 · 0.21
ROE
25.7%▼
2024 · 32.9%
ROA
15.6%▼
2024 · 27.2%
Interest coverage
730.46▼
2024 · 761.04
Debt ≤ 1 year
€197k▲
2024 · €81k
Income taxes
€35k▼
2024 · €55k
Staff costs
€60k▲
2024 · €42k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€462k€501k▲
Fixed assets21/28€136k€109k▼
Tangible fixed assets22/27€135k€108k▼
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24€132k€102k▼
Financial fixed assets28€900€900=
Current assets29/58€326k€392k▲
Amounts receivable within one year40/41€123k€220k▲
Trade receivables40€53k€64k▲
Other amounts receivable41€70k€156k▲
Current investments50/53-€50k
Cash at bank and in hand54/58€203k€121k▼
Deferred charges and accrued income490/1€0€338▲
Equity and liabilities
Total equity and liabilities10/49€462k€501k▲
Equity10/15€381k€304k▼
Contributions10/11€6k€6k=
Reserves13€375k€298k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€373k€296k▼
Amounts payable17/49€81k€197k▲
Amounts payable within one year42/48€81k€197k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€37k€50k▲
Taxes450/3€31k€42k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€43k€146k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€137k€160k▲
Remuneration, social security and pensions62€42k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€31k▲
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€249k€201k▼
Operating profit (loss)9901€177k€107k▼
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€262€189▼
Recurring financial charges65€262€189▼
Profit (loss) for the period before taxes9903€181k€113k▼
Income taxes67/77€55k€35k▼
Profit (loss) for the period9904€126k€78k▼
Profit (loss) for the period to be appropriated9905€126k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€78k▼
Transfer from equity791/2€45k€155k▲
Transfer to equity691/2€126k€78k▼
To other reserves6921€126k€78k▼
Profit to be distributed694/7€45k€155k▲
Return on contributions (dividend)694€45k€155k▲
The notes to these accounts (10 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €126k ▲35.7%
Operating result €177k, net result €126k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €38k ▼21.1%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 5.60
Current ratio from 1.85 to 5.60; short-term debt falls from €136k to €36k.
31-12
Financial
Equity above €200kEq €202k ▲28.7%
2 profitable years in a row build equity to €202k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Seraing · 1 establishment unit since 2000
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.
Rue des Bas-Sarts 1114100 SeraingGround area
383 m²
Building footprint
119 m²
Volume, LiDAR
610 m³
Parcel 62353D0264/00Z008, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Bas-Sarts 111, 4100 Seraing
since 20002.136.546.645
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0264/00Z008 | Wallonia | 383 m² | 1 · 119 m² | 7.6 m · 2 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.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,055 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2000
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.