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GARAGE CAMMAERT

Active
Public limited companyfounded 1986active for 39 yearsNinoofse Steenweg 48, 1755 Pajottegem, BelgiumKBO/BCE: BE 0429.918.846
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 has been growing by about 4.3% per year since 2018. Its solvency ranks better than 29% of 6,172 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 26-11-1986 Normal situation
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

Financial position

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%
Employees on 31-12-2025
31
▼ 6.1%
  • €16,122 of overdue social security (RSZ) debts on 31-12-2025
Score breakdownraises 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 stronger than 27% of small companies in wholesale trade (NACE 46)
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 within 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% (4,372 companies, NACE 46, small)
Last 24 months 12-2024: 0.8% 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 11-2026: 0.3%● unchanged vs 10-2026lowest value
Credit of up to €190,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.54 (1.23 in 2024), above the usual 1.5. Short-term debt is 56.6% and cash 3.3% of total assets. However, 73.5% of the assets are financed with debt and provisions.
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 30% of them on solvency, 23% on liquidity, 27% on profitability and 29% on growth.

The bankruptcy probability was computed on 02-11-2026 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

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.54, cash €287,971
NBB · annual accounts
raises risk · 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 the company's profile.
NBB · annual accounts
lowers risk · Founded in 1986
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Legal form: public limited company
KBO
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
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

The company filed its last 7 accounts on average 26 days before the deadline. 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 29 June (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
03-11-2026 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

  • 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

Recent changes

  1. · Gazette deed 1 director appointed, 2 directors resigning, 2 reappointedChange of role: Cammaert Alain, from director to chair · Resignation: Cammaert Joël (director) · Reappointments: Cammaert Alain (director) and Cammaert Joël (director)
  2. · Gazette deed Reappointment: BV Conscius Bedrijfsrevisoren (revisor)
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as GARAGE CAMMAERT: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €8.2m and €13m, founded between 1973 and 2003.

CompanyTotal assetsTurnover
GARAGE CAMMAERT Pajottegem€8.8m€30.3m
I.T.M. Sales and Services Peer€8.2m€12.2m
SOGEM Fleurus€12.4m€15.5m
FASHION CLUB 70 Antwerpen€10.4m€18.7m
LEICA GEOSYSTEMS Machelen (Brab.)€11.3m€15.6m
VDL Bus Belgium Roeselare€13.1m€52.7m
COCHLEAR BENELUX Mechelen€9.7m€14.3m
Full comparison

Key facts about GARAGE CAMMAERT

What is the company number of GARAGE CAMMAERT?
The company number of GARAGE CAMMAERT is 0429.918.846. The VAT number is the same 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?
The legal form of GARAGE CAMMAERT is Public limited company (NV).
When was GARAGE CAMMAERT founded?
GARAGE CAMMAERT was 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?
GARAGE CAMMAERT had an average of 29.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GARAGE CAMMAERT?
The turnover of GARAGE CAMMAERT was €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.
When are the next annual accounts of GARAGE CAMMAERT due?
GARAGE CAMMAERT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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