Campforts Filip
ActiveThe computed 12-month bankruptcy probability of Campforts Filip is 2.1% (moderate). The 2025 annual accounts show equity of €52k and a net result of €724. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.52 against 2.61 in 2024; short-term debt: 12.2% and cash: 56.8% of total assets), and 12.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
87.8%
Return on assets
1.2%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
5 d early
2022
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 1.4%
2024 · €51k
2022: €15k
2023: €33k
2024: €51k
2022 → 2025
Total assets
€59k▼ 11.9%
2024 · €67k
2022: €35k
2023: €54k
2024: €67k
2022 → 2025
Net result
€724▼ 96.1%
2024 · €19k
2022: €10k
2023: €17k
2024: €19k
2022 → 2025
Working capital
€33k▲ 39.2%
2024 · €23k
2022: €4k
2023: €3k
2024: €23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€33k▲ 115%€51k▲ 56.8%€52k▲ 1.4%
Operating result€13k-€23k▲ 85.2%€25k▲ 5.9%€1k▼ 95.5%
Net result€10k-€17k▲ 71.8%€19k▲ 6.2%€724▼ 96.1%
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 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€19k▼ 33.8%
Current assets
€40k▲ 4.8%
Equity and liabilities €59k
Equity
€52k▲ 1.4%
Debt
€7k▼ 54.6%
The debt ratio falls from 23.7% to 12.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €35k
Cash flow
€10k▼
2024 · €29k
Solvency
87.8%▲
2024 · 76.3%
Current ratio
5.52▲
2024 · 2.61
Quick ratio
5.38▲
2024 · 2.55
Debt / equity
0.14▼
2024 · 0.31
ROE
1.4%▼
2024 · 36.2%
ROA
1.2%▼
2024 · 27.6%
Interest coverage
55.19▼
2024 · 130.54
Debt
€7k▼
2024 · €16k
Debt ≤ 1 year
€7k▼
2024 · €15k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€229▼
2024 · €6k
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€67k€59k▼
Fixed assets21/28€29k€19k▼
Tangible fixed assets22/27€29k€19k▼
Plant, machinery and equipment23€14k€10k▼
Furniture and vehicles24€14k€9k▼
Current assets29/58€38k€40k▲
Stocks and contracts in progress3€894€1k▲
Stocks30/36€894€1k▲
Amounts receivable within one year40/41€0€5k▲
Trade receivables40-€5k
Other amounts receivable41€0€21▲
Cash at bank and in hand54/58€36k€34k▼
Deferred charges and accrued income490/1€907€467▼
Equity and liabilities
Total equity and liabilities10/49€67k€59k▼
Equity10/15€51k€52k▲
Contributions10/11€5k€5k=
Reserves13€46k€47k▲
Distributable reserves133€46k€47k▲
Amounts payable17/49€16k€7k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€15k€7k▼
Current portion of amounts payable after more than one year42€3k€1k▼
Trade debts44€1k€173▼
Suppliers440/4€1k€173▼
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€514€520▲
Gross operating margin9900€35k€11k▼
Operating profit (loss)9901€25k€1k▼
Financial income75/76B€169€42▼
Recurring financial income75€169€42▼
Financial charges65/66B€266€197▼
Recurring financial charges65€266€197▼
Profit (loss) for the period before taxes9903€25k€953▼
Income taxes67/77€6k€229▼
Profit (loss) for the period9904€19k€724▼
Profit (loss) for the period to be appropriated9905€19k€724▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€724▼
Transfer to equity691/2€19k€724▼
To other reserves6921€19k€724▼
The notes to these accounts (6 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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €724 ▼96.1%
Net result drops to €724, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.52
Current ratio from 2.61 to 5.52; short-term debt falls from €15k to €7k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2022net €19k ▲6.2%
Operating result €25k, net result €19k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.16 to 2.61; short-term debt falls from €18k to €15k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Zoersel · 1 establishment unit since 2021
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.
Kastanjeweg 392980 ZoerselGround area
1,136 m²
Building footprint
124 m²
Volume, LiDAR
673 m³
Parcel 11453I0108/00X000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kastanjeweg 39, 2980 Zoersel
since 20212.327.296.452
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11453I0108/00X000 | Flanders | 1,136 m² | 1 · 124 m² | 8.8 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 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,429 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
25110Manufacture of metal structures and parts of structures
26520Manufacture of computer, electronic and optical products
31004Manufacture of dining room, living room, bedroom and bathroom furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.