KAMAZ
ActiveThe computed 12-month bankruptcy probability of KAMAZ is 3.4% (moderate). The 2025 annual accounts show equity of €104k and a net result of €26k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 3668 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-12
Solvency64▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.13 in 2024; short-term debt: 17.9% and cash: 11.3% of total assets), but 61.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
38.9%
Return on assets
9.7%
Age of the figures
9 mo
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 14-08-2026, 14 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 · 4 filingsDeviation from the deadline
2025
14 d late
2024
2 d early
2023
5 d early
2022
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€104k▲ 33.0%
2024 · €78k
2022: €42k
2023: €51k
2024: €78k
2022 → 2025
Total assets
€267k▼ 11.2%
2024 · €301k
2022: €267k
2023: €244k
2024: €301k
2022 → 2025
Net result
€26k▼ 55.6%
2024 · €58k
2022: €22k
2023: €8k
2024: €58k
2022 → 2025
Working capital
€46k▲ 306%
2024 · €11k
2022: €18k
2023: €18k
2024: €11k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€42k-€51k▲ 19.8%€78k▲ 54.5%€104k▲ 33.0%
Operating result€33k-€20k▼ 38.5%€86k▲ 323%€48k▼ 44.6%
Net result€22k-€8k▼ 62.3%€58k▲ 594%€26k▼ 55.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€173k▼ 13.2%
Current assets
€94k▼ 7.2%
Equity and liabilities €267k
Equity
€104k▲ 33.0%
Debt
€163k▼ 26.7%
The debt ratio falls from 74.0% to 61.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▼
2024 · €109k
Cash flow
€55k▼
2024 · €81k
Solvency
38.9%▲
2024 · 26.0%
Current ratio
1.96▲
2024 · 1.13
Quick ratio
1.83▲
2024 · 1.06
Debt / equity
1.57▼
2024 · 2.85
ROE
24.8%▼
2024 · 74.3%
ROA
9.7%▼
2024 · 19.3%
Interest coverage
7.75▼
2024 · 9.01
Debt
€163k▼
2024 · €223k
Debt ≤ 1 year
€48k▼
2024 · €90k
Debt > 1 year
€116k▼
2024 · €133k
Income taxes
€11k▼
2024 · €13k
Staff costs
€196k▲
2024 · €176k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€301k€267k▼
Fixed assets21/28€200k€173k▼
Tangible fixed assets22/27€200k€173k▼
Land and buildings22€135k€124k▼
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€50k€37k▼
Current assets29/58€101k€94k▼
Stocks and contracts in progress3€6k€6k▲
Stocks30/36€6k€6k▲
Amounts receivable within one year40/41€62k€57k▼
Trade receivables40€44k€51k▲
Other amounts receivable41€18k€6k▼
Cash at bank and in hand54/58€32k€30k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€301k€267k▼
Equity10/15€78k€104k▲
Contributions10/11€20k€20k=
Reserves13€58k€84k▲
Distributable reserves133€58k€84k▲
Amounts payable17/49€223k€163k▼
Amounts payable after more than one year17€133k€116k▼
Financial debts170/4€133k€116k▼
Amounts payable within one year42/48€90k€48k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€12k€5k▼
Suppliers440/4€12k€5k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€41k€27k▼
Taxes450/3€12k€3k▼
Remuneration and social security454/9€29k€24k▼
Other amounts payable47/48€26k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€176k€196k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€29k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€287k€275k▼
Operating profit (loss)9901€86k€48k▼
Financial income75/76B€0€30▲
Recurring financial income75€0€30▲
Financial charges65/66B€16k€11k▼
Recurring financial charges65€12k€10k▼
Non-recurring financial charges66B€4k€866▼
Profit (loss) for the period before taxes9903€71k€37k▼
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€58k€26k▼
Profit (loss) for the period to be appropriated9905€58k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€26k▼
Transfer from equity791/2€31k-
Transfer to equity691/2€58k€26k▼
To other reserves6921€58k€26k▼
Profit to be distributed694/7€31k-
Return on contributions (dividend)694€31k-
Social balance
Average headcount (FTE)90873.94.5▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Equity above €100kEq €104k ▲33%
4 profitable years in a row build equity to €104k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €58k ▲594%
Operating result €86k, net result €58k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €8k ▼62.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aartselaar · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kontichsesteenweg 302630 AartselaarGround area
3,550 m²
Building footprint
1,212 m²
Volume, LiDAR
4,529 m³
Parcel 11001B0110/00L000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kontichsesteenweg 30, 2630 Aartselaar
since 20212.325.904.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0110/00L000 | Flanders | 3,549 m² | 1 · 1,212 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAartselaar2.325.904.404
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SIMENO
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Antwerpen · Eq €104k
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,774 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.