CAMTEL
ActiveSummary
CAMTEL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,502 and a net result of €23,750. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+9
Solvency95▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 5.57 against 5.38 in 2024; short-term debt: 12% and cash: 3.5% of total assets), and 29.7% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
70.3%
Return on assets
11.5%
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 21-08-2026, 21 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 · 6 filingsDeviation from the deadline
2025
21 d late
2024
13 d late
2023
2 d early
2022
19 d late
2021
9 d early
2020
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 12 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 13 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€145,502▲ 19.5%
2024 · €121,752
Total assets
€206,855▲ 2.2%
2024 · €202,329
Net result
€23,750▲ 162%
2024 · €9,070
Working capital
€113,047▼ 28.1%
2024 · €157,119
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€36,345▼ 66.1%€64,994▲ 78.8%-€27,430€13,185€27,767▲ 111%
Net result€24,342above the sector's middle half▼ 66.2%€44,598above the sector's middle half▲ 83.2%-€30,757below the sector's middle half€9,070within the sector's middle half€23,750above the sector's middle half▲ 162%
Equity€98,840within the sector's middle half▲ 32.7%€143,438above the sector's middle half▲ 45.1%€112,682within the sector's middle half▼ 21.4%€121,752above the sector's middle half▲ 8.0%€145,502above the sector's middle half▲ 19.5%
Total assets€240,639within the sector's middle half▲ 0.5%€256,262within the sector's middle half▲ 6.5%€223,315within the sector's middle half▼ 12.9%€202,329within the sector's middle half▼ 9.4%€206,855within the sector's middle half▲ 2.2%
Debt€141,799▼ 14.1%€112,824▼ 20.4%€110,633▼ 1.9%€80,577▼ 27.2%€61,353▼ 23.9%
Working capital€105,642above the sector's middle half▲ 12.7%€145,576above the sector's middle half▲ 37.8%€161,839above the sector's middle half▲ 11.2%€157,119above the sector's middle half▼ 2.9%€113,047above the sector's middle half▼ 28.1%
Solvency41.1%within the sector's middle half▲ 10.0pp56.0%within the sector's middle half▲ 14.9pp50.5%within the sector's middle half▼ 5.5pp60.2%within the sector's middle half▲ 9.7pp70.3%above the sector's middle half▲ 10.2pp
Current ratio2.52within the sector's middle half▲ 0.183.22above the sector's middle half▲ 0.705.51above the sector's middle half▲ 2.295.38above the sector's middle half▼ 0.135.57above the sector's middle half▲ 0.19
Return on assets (ROA)10.1%within the sector's middle half▼ 19.9pp17.4%above the sector's middle half▲ 7.3pp-13.8%below the sector's middle half▼ 31.2pp4.5%within the sector's middle half▲ 18.3pp11.5%within the sector's middle half▲ 7.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 111% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206,855
Fixed assets
€69,055 ▲ 641%
Current assets
€137,800 ▼ 28.6%
Equity and liabilities €206,855
Equity
€145,502 ▲ 19.5%
Debt
€61,353 ▼ 23.9%
Debt's share of the balance-sheet total falls from 39.8% to 29.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32,820▲
2024 · €23,037
Cash flow
€28,802▲
2024 · €18,922
Quick ratio
5.46▲
2024 · 5.31
Debt to equity
0.42▼
2024 · 0.66
ROE
16.3%▲
2024 · 7.4%
Interest coverage
7.25▲
2024 · 6.07
Debt ≤ 1 year
€24,753▼
2024 · €35,891
Debt > 1 year
€36,600▼
2024 · €44,685
Income taxes
-€511▼
2024 · €323
Staff costs
€2,434▼
2024 · €3,238
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,094 | €2,565 | €490 | €3,238 | €2,434 | ▼ 24.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,798 | €20,354 | €19,523 | €9,852 | €5,053 | ▼ 48.7% |
| Other operating charges640/8 | €4,331 | €2,315 | €55,291 | €14,156 | €3,228 | ▼ 77.2% |
| Gross operating margin9900 | €61,568 | €90,228 | €47,874 | €40,431 | €38,482 | ▼ 4.8% |
| Operating profit (loss)9901 | €36,345 | €64,994 | -€27,430 | €13,185 | €27,767 | ▲ 111% |
| Financial income75/76B | €13 | €146 | - | - | - | - |
| Recurring financial income75 | €13 | €146 | - | - | - | - |
| Financial charges65/66B | €2,984 | €2,283 | €2,102 | €3,793 | €4,528 | ▲ 19.4% |
| Recurring financial charges65 | €2,984 | €2,283 | €2,102 | €3,793 | €4,528 | ▲ 19.4% |
| Profit (loss) for the period before taxes9903 | €33,374 | €62,857 | -€29,532 | €9,393 | €23,239 | ▲ 147% |
| Income taxes67/77 | €9,032 | €18,259 | €1,224 | €323 | -€511 | ▼ 258% |
| Profit (loss) for the period9904 | €24,342 | €44,598 | -€30,757 | €9,070 | €23,750 | ▲ 162% |
| Profit (loss) for the period to be appropriated9905 | €24,342 | €44,598 | -€30,757 | €9,070 | €23,750 | ▲ 162% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €240,639 | €256,262 | €223,315 | €202,329 | €206,855 | ▲ 2.2% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €65,411 | €45,117 | €25,594 | €9,319 | €69,055 | ▲ 641% |
| Tangible fixed assets22/27 | €65,411 | €45,057 | €25,534 | €9,259 | €68,995 | ▲ 645% |
| Plant, machinery and equipment23 | €10,072 | €6,874 | €3,676 | €478 | €68 | ▼ 85.7% |
| Furniture and vehicles24 | €55,339 | €38,183 | €21,858 | €8,781 | €68,927 | ▲ 685% |
| Financial fixed assets28 | - | €60 | €60 | €60 | €60 | = |
| Current assets29/58 | €175,228 | €211,145 | €197,721 | €193,010 | €137,800 | ▼ 28.6% |
| Amounts receivable after more than one year29 | - | - | - | €168,364 | €83,028 | ▼ 50.7% |
| Other amounts receivable291 | - | - | - | €168,364 | €83,028 | ▼ 50.7% |
| Stocks and contracts in progress3 | €10,000 | €5,175 | €3,350 | €2,500 | €2,625 | ▲ 5.0% |
| Stocks30/36 | €10,000 | €5,175 | €3,350 | €2,500 | €2,625 | ▲ 5.0% |
| Amounts receivable within one year40/41 | €3,464 | €17,351 | €3,993 | €10,959 | €26,096 | ▲ 138% |
| Trade receivables40 | €3,369 | €17,319 | €3,836 | €10,959 | €13,997 | ▲ 27.7% |
| Other amounts receivable41 | €95 | €32 | €158 | - | €12,099 | - |
| Current investments50/53 | €152,000 | €174,458 | - | - | - | - |
| Cash at bank and in hand54/58 | €9,764 | €14,161 | €190,378 | €8,904 | €7,290 | ▼ 18.1% |
| Deferred charges and accrued income490/1 | - | - | - | €2,283 | €18,761 | ▲ 722% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €240,639 | €256,262 | €223,315 | €202,329 | €206,855 | ▲ 2.2% |
| Equity10/15 | €98,840 | €143,438 | €112,682 | €121,752 | €145,502 | ▲ 19.5% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €96,340 | €140,938 | €140,939 | €140,939 | €163,939 | ▲ 16.3% |
| Distributable reserves133 | €96,340 | €140,938 | €140,939 | €140,939 | €163,939 | ▲ 16.3% |
| Profit (loss) carried forward14 | - | - | -€30,757 | -€21,687 | -€20,937 | ▲ 3.5% |
| Amounts payable17/49 | €141,799 | €112,824 | €110,633 | €80,577 | €61,353 | ▼ 23.9% |
| Amounts payable after more than one year17 | €72,213 | €47,255 | €74,752 | €44,685 | €36,600 | ▼ 18.1% |
| Financial debts170/4 | €72,213 | €47,255 | €74,752 | €44,685 | €36,600 | ▼ 18.1% |
| Amounts payable within one year42/48 | €69,586 | €65,569 | €35,881 | €35,891 | €24,753 | ▼ 31.0% |
| Current portion of amounts payable after more than one year42 | €21,100 | €19,503 | €12,110 | €19,171 | €13,400 | ▼ 30.1% |
| Trade debts44 | €38,743 | €29,774 | €16,668 | €13,668 | €8,817 | ▼ 35.5% |
| Suppliers440/4 | €38,743 | €29,774 | €16,668 | €13,668 | €8,817 | ▼ 35.5% |
| Taxes, remuneration and social security45 | €7,392 | €15,888 | €5,160 | €3,032 | €2,300 | ▼ 24.1% |
| Taxes450/3 | €7,392 | €15,888 | €5,160 | €3,032 | €2,300 | ▼ 24.1% |
| Other amounts payable47/48 | €2,351 | €404 | €1,943 | €21 | €237 | ▲ 1,029% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,342 | €44,598 | -€30,757 | €9,070 | €23,750 | ▲ 162% |
| + Depreciation and write-downs630 | €19,798 | €20,354 | €19,523 | €9,852 | €5,053 | ▼ 48.7% |
| Operating cash flow (approximation) | €44,140 | €64,952 | -€11,233 | €18,922 | €28,802 | ▲ 52.2% |
| Investment in fixed assets (approximation) | - | -€60 | -€1 | €6,424 | -€64,789 | ▼ 1,109% |
| Change in cash | - | €4,397 | €176,217 | -€181,473 | -€1,614 | ▲ 99.1% |
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Back to profitnet €9,070
Net result €9,070 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€30,757
Net result drops to -€30,757, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Equity above €100,000Eq €143,438 ▲45.1%
3 profitable years in a row build equity to €143,438.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
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, Maldegem · 1 establishment unit since 2019
Ground area
1,658 m²
Building footprint
144 m²
Volume, LiDAR
869 m³
Parcel 43322P0678/00B000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAMTEL
since 20192.298.540.902
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43322P0678/00B000 | Flanders | 1,658 m² | 1 · 144 m² | 9.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 581 EUR awarded · 581 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 420 EUR | 420 EUR |
| 2024 | 1 | 161 EUR | 161 EUR |
Similar companies · same sector, comparable size
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ELECTRO VAN HEES
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Balen · Eq €144,385
Of 1,513 companies in sector 47540 we hold annual accounts for 806. 660 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
Founded03-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47540Retail sale of electrical household appliances
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
47400Retail sale of information and communication equipment
47527Retail trade
47529Retail trade
Contact
E-mail
Kristof.bonny@camtel.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0729714568
Also
9925:BE0729714568
Registered
19-03-2025
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.