Financials
- Fiscal year
- 2025
- Total assets
- €504,714
- Loss
- -€57,818
- Solvency
- 92.3%
Total assets▼ 16.3%
Net result
20182025
ENGICAM
ActiveSummary
ENGICAM has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €466,028 and a net result of -€57,818. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€504,714total assets 2025
- Equity
- €466,028
- Loss
- -€57,818
Turnover not published (abridged schema)
Structure
Accounts filed 21 d late0 of 3 deeds read
Why 88- Loss of €57,818, the second in a row (FY 2025)- Liquidity: current ratio 1.31, cash €4,967+ Size: total assets €504,714+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Better than 39% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
100=
equity 92.3% of total assets
Liquidity
51=
short-term debt 6.7% · cash 1.0%
Profitability
5-62
return on assets -11.5%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 0.2%
09-2025: 0.1%▼ -70.6% vs 08-2025
10-2025: 0.1%● 0.0% vs 09-2025
11-2025: 0.1%● 0.0% vs 10-2025
12-2025: 0.1%● 0.0% vs 11-2025
01-2026: 0.1%▼ -3.8% vs 12-2025lowest value
02-2026: 0.1%▲ +2.0% vs 01-2026
03-2026: 0.1%▲ +3.9% vs 02-2026
04-2026: 0.1%▲ +9.4% vs 03-2026
05-2026: 0.1%▼ -1.7% vs 04-2026
06-2026: 0.1%▲ +17.5% vs 05-2026
07-2026: 0.1%▲ +17.9% vs 06-2026
08-2026: 0.2%▲ +152% vs 07-2026highest value
09-2026: 0.2%▼ -4.0% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Loss of €57,818, the second in a row (FY 2025) raises the probability
- Size: total assets €504,714 lowers the probability for this profile
- Liquidity: current ratio 1.31, cash €4,967 raises the probability
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Credit up to €40,000 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 2.56 in 2024; short-term debt: 6.7% and cash: 1% of total assets), and 7.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 38%, profitability 9%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€57,818
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
on the day
2023
84 d early
2022
7 d early
2021
31 d late
2020
31 d late
2019
2 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 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 31 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€57,818
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 21-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 24-03-1989
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.