GARAGE CAMMAERT

Active

Public limited companyfounded 1986active for 39 yearsNinoofse Steenweg 48, 1755 Pajottegem, BelgiumKBO/BCE: BE 0429.918.846

From the official registers: KBO 40 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

GARAGE CAMMAERT has been active since 1986 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of €55,278. Equity is growing by about 4.3% per year across the filed financial years. Its solvency ranks better than 29% of 6,158 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

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GARAGE CAMMAERTActiveChecked score 82/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 26-11-1986 Normal situation
Legal form: Public limited company
Registered office: Ninoofse Steenweg 48, 1755 Pajottegem
Activity: Agents specialised in the wholesale of other particular products NACE 46180and 7 others
Establishment unit: 2.029.362.932 1755 Pajottegem, since 13-07-1987
Financial year end: 31 December
Peppol: Reachable

Company details

Who decides

Board

Cammaert AlainChair
Cammaert JoëlDirector

Auditor: CONSCIUS BEDRIJFSREVISOREN

Holdings: Shares in 2 companies CAMMAERT TRUCKS ANTWERPEN and CAMMAERT TRUCKS WAASLAND

Board & ownership

How it is doing

82 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Annual accounts 2025

Turnover: €30.3m; ▼ 14.2%
Profit: €55,278; ▼ 51.3%
Equity: €2.3m; ▲ 2.4%
Total assets: €8.8m; ▼ 39.8%
Staff: 29.1 FTE; ▲ 15.0%

2025 accounts 11 days early

Filed on 20-07-2026at the National Bank

Financials

Why 82raises riskLiquidity: current ratio 1.54, cash €287,971Size: turnover €30.3m, 29.1 FTE, total assets €8.8mlowers riskFounded in 1986Legal form: public limited companyShow the evidence

Checked score

Score 2025

82 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 27% of its sector peers (NACE 46, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 52+11

equity 26.5% of total assets

Liquidity 25+15

short-term debt 56.6% · cash 3.3%

Profitability 42+4

return on assets 0.6%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,376 companies, NACE 46, small)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.7%▼ -0.1 percentage points vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.8%▲ +0.1 percentage points vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 1.0%▲ +0.2 percentage points vs 06-2025highest value 08-2025: 0.8%▼ -0.2 percentage points vs 07-2025 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.3%▼ -0.5 percentage points vs 07-2026lowest value 09-2026: 0.3%● unchanged vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value

Credit of up to €190,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.54, compared with 1.23 in 2024, above the usual 1.5; short-term debt: 56.6% and cash: 3.3% of total assets), but 73.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 30% on solvency, 23% on liquidity, 27% on profitability and 29% 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Liquidity: current ratio 1.54, cash €287,971

NBB · annual accounts

Size: turnover €30.3m, 29.1 FTE, total assets €8.8m

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 1986

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Legal form: public limited company

KBO

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

34 days early

2023

33 days early

2022

38 days early

2021

27 days early

2020

12 days early

2019

25 days 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 26 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

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 29 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: 2nd largest employer in Pajottegem, Wholesale and retail trade sectorin the Checked rankings No. 2 View
Caution: Result fell in 2025from €113,603 to €55,278 ▼ 51.3% View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €55,278 8 years View

Documents

Key facts about GARAGE CAMMAERT

What is the company number of GARAGE CAMMAERT?: 0429.918.846. In Belgium the VAT number is the company number with BE in front: BE 0429.918.846.
Where is GARAGE CAMMAERT based?: The registered office is at Ninoofse Steenweg 48, 1755 Pajottegem.Company details
What does GARAGE CAMMAERT do?: According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
What is the legal form of GARAGE CAMMAERT?: Public limited company (NV).
When was GARAGE CAMMAERT founded?: On 26-11-1986.
Is GARAGE CAMMAERT still active?: Yes, GARAGE CAMMAERT is an active enterprise in the KBO register.
How many employees does GARAGE CAMMAERT have?: On average 29.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GARAGE CAMMAERT?: €30.3m in financial year 2025, according to the filed annual accounts.
Is GARAGE CAMMAERT profitable?: In financial year 2025, GARAGE CAMMAERT made a profit of €55,278.
Where can I find the annual accounts of GARAGE CAMMAERT?: GARAGE CAMMAERT filed 40 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 GARAGE CAMMAERT due?: By 31-07-2027, for financial year 2026.Timeline