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Firma Campaert

Active
Public limited companyfounded 1967active for 59 yearsKerkelei 43, 2550 Kontich, BelgiumKBO/BCE: BE 0403.640.061

From the official registers: KBO 47 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Firma Campaert is 5.0% (elevated). The 2025 annual accounts show negative equity (-€2.8m) and a net result of -€445,901. Equity has been shrinking by about 53% per year since 2018. Its solvency ranks better than 5% of 6,167 sector peers (NACE 46, financial year 2025). The company has been active since 1967 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 01-04-1967 Normal situation
Activity
Wholesale trade NACE 46473and 5 others
Establishment unit
2.003.124.432 2550 Kontich, since 01-04-1967
Financial year end
31 December
Peppol
Reachable since 24-11-2025

Board and ownership

Board
  • Campaert Jan JosephaDirector · since 30-06-2021
  • Van Den Vonder Christiana FranciscaDirector · since 30-06-2021
Auditor
BV CFD Bedrijfsrevisoren

Financial position

34 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
5.0%
Annual accounts 2025
Gross margin
€2.7m
▲ 35.8%
Turnover
≈ €12.0m
estimated
Loss
€445,901
▼ 58.0%
Equity
-€2.8m
▼ 19.2%
Total assets
€3.5m
▼ 8.6%
Staff
48 FTE
▼ 2.6%
Net result +58%: other schema
Filed on 20-07-2026, 11 days before the deadlineat the National Bank
Score breakdownraises riskNegative equity -€2.8mLoss of €445,901, the second in a row (financial year 2025)Liquidity: current ratio 0.64, cash €28,049Founded in 1967Show the evidence

Checked score

Score 2025
34 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 5% of small companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency 0=
equity -78.5% of total assets
Liquidity 1=
short-term debt 134.6% · cash 0.8%
Profitability 3+3
return on assets -12.6%
Bankruptcy probability within 12 months
5.0% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,376 companies, NACE 46, small)
Last 24 months 11-2024: 4.8%lowest value 12-2024: 4.8%● unchanged vs 11-2024lowest value 01-2025: 4.8%● unchanged vs 12-2024lowest value 02-2025: 4.8%● unchanged vs 01-2025lowest value 03-2025: 4.9%▲ +0.1 percentage points vs 02-2025 04-2025: 4.9%● unchanged vs 03-2025 05-2025: 4.9%● unchanged vs 04-2025 06-2025: 5.0%▲ +0.1 percentage points vs 05-2025 07-2025: 5.0%● unchanged vs 06-2025 08-2025: 5.4%▲ +0.4 percentage points vs 07-2025 09-2025: 5.4%● unchanged vs 08-2025 10-2025: 5.4%● unchanged vs 09-2025 11-2025: 5.4%● unchanged vs 10-2025 12-2025: 5.4%● unchanged vs 11-2025 01-2026: 5.4%● unchanged vs 12-2025 02-2026: 5.4%● unchanged vs 01-2026 03-2026: 5.5%▲ +0.1 percentage points vs 02-2026 04-2026: 5.5%● unchanged vs 03-2026 05-2026: 5.5%● unchanged vs 04-2026 06-2026: 5.6%▲ +0.1 percentage points vs 05-2026 07-2026: 5.7%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 5.0%▼ -0.7 percentage points vs 07-2026 09-2026: 5.0%● unchanged vs 08-2026 10-2026: 5.0%● unchanged vs 09-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.64 (0.7 in 2024), below 1. Short-term debt is 134.6% and cash 0.8% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small). It does better than 1% of them on solvency, 2% on liquidity, 4% on profitability and 11% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
raises riskneutral
raises risk · Negative equity -€2.8m
NBB · annual accounts
raises risk · Loss of €445,901, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.64, cash €28,049
NBB · annual accounts
raises risk · Founded in 1967
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€2.8m
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
11 days early
2024
on the day
2023
1 day early
2022
3 days early
2021
19 days late
2020
3 days early
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€2.8m View
  • Risk: 7 loss-making years in a rowloss in financial year 2025 -€445,901 View
  • Caution: Lower solvency than 95% of companies in wholesale tradesector median 45.2% · 6,167 companies -78.5% View
  • Positive: Result rose in 2025different schema filed ▲ 58.0% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Comparable companies

These companies have the same main activity as Firma Campaert: wholesale trade (NACE 46473). They are comparable in size and age: total assets between €422,000 and €21m, founded between 1993 and 2006.

CompanyTotal assetsGross margin
Firma Campaert Kontich€3.5m€2.7m
EMPIRE-CARPETS INTERNATIONAL Harelbeke€5.4m€2.9m
Ntgrate Kortrijk€3.7m€2.1m
KON - CARPETS Antwerpen€6.8m-
CLASSIS Mechelen€21.0m-
TER BREDE Gent€0.4m€0.3m
HUYGHE EN STADSBADER Brugge€5.3m€1.4m
Full comparison

Documents

Annual accounts at the NBB

All 47 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Firma Campaert

What is the company number of Firma Campaert?
The company number of Firma Campaert is 0403.640.061. The VAT number is the same number with BE in front: BE 0403.640.061.
Where is Firma Campaert based?
The registered office is at Kerkelei 43, 2550 Kontich.Company details
What does Firma Campaert do?
According to the KBO register, the main activity is wholesale trade (NACE 46473).
What is the legal form of Firma Campaert?
The legal form of Firma Campaert is Public limited company (NV).
When was Firma Campaert founded?
Firma Campaert was founded on 01-04-1967.
Is Firma Campaert still active?
Yes, Firma Campaert is an active enterprise in the KBO register.
How many employees does Firma Campaert have?
Firma Campaert had an average of 48 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Firma Campaert?
The turnover in financial year 2025 is ≈ €12.0m. This figure is estimated from the gross margin of €2.7m and 100 comparable companies (NACE 46). It probably lies between €7.0m and €20.0m. In financial year 2023 turnover was €9.2m.
Is Firma Campaert profitable?
In financial year 2025, Firma Campaert made a loss of €445,901.
Where can I find the annual accounts of Firma Campaert?
Firma Campaert filed 47 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Firma Campaert due?
Firma Campaert must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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