Kamber

Active

Private limited companyfounded 20224 yrs activeLuitenant Liedelstraat 77, 1070 Anderlecht, BelgiumKBO/BCE: BE 0784.478.392

The computed 12-month bankruptcy probability of Kamber is 4.4% (elevated). The 2024 annual accounts show equity of €161k and a net result of €62k. Equity is growing by ~62.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 36377 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

93 / 100

Excellent▼ -7 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+11

Growth78=

Stability94

Bankruptcy probability, 12 months

4.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €15k at 30 days acceptable

Liquidity ample (current ratio 3.5 against 1.7 in 2023), and 34.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-07-2025, 4 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

4 d early

2023

17 d late

2022

45 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€161k▲ 60.2%

2023 · €101k

2022: €36k 2023: €101k

2022 → 2024

Total assets

€245k▲ 24.9%

2023 · €196k

2022: €120k 2023: €196k

2022 → 2024

Net result

€62k▼ 4.4%

2023 · €65k

2022: €26k 2023: €65k

2022 → 2024

Working capital

€112k▲ 119%

2023 · €51k

2022: €-13k 2023: €51k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€36k-€101k▲ 177%€161k▲ 60.2%

Operating result€40k-€99k▲ 148%€89k▼ 10.4%

Net result€26k-€65k▲ 147%€62k▼ 4.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 10% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €245k

35.7%

64.3%

Fixed assets €87k▲ 22.0%

Current assets €157k▲ 26.6%

Equity and liabilities €245k

65.9%

34.1%

Equity €161k▲ 60.2%

Debt €83k▼ 12.5%

The debt ratio falls from 48.6% to 34.1%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€125k▼

2023 · €127k

Cash flow

€99k▲

2023 · €94k

Solvency

65.9%▲

2023 · 51.4%

Current ratio

3.50▲

2023 · 1.70

Quick ratio

3.50▲

2023 · 1.70

Debt / equity

0.52▼

2023 · 0.95

ROE

38.6%▼

2023 · 64.7%

ROA

25.5%▼

2023 · 33.3%

Interest coverage

60.82▼

2023 · 123.10

Debt

€83k▼

2023 · €95k

Debt ≤ 1 year

€45k▼

2023 · €73k

Debt > 1 year

€36k▲

2023 · €22k

Income taxes

€25k▼

2023 · €33k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€196k€245k▲

Fixed assets21/28€71k€87k▲

Tangible fixed assets22/27€69k€85k▲

Plant, machinery and equipment23€8k€11k▲

Furniture and vehicles24€62k€75k▲

Financial fixed assets28€2k€2k▼

Current assets29/58€124k€157k▲

Amounts receivable within one year40/41€23k€22k▼

Trade receivables40€18k-

Other amounts receivable41€5k€22k▲

Cash at bank and in hand54/58€97k€127k▲

Deferred charges and accrued income490/1€5k€9k▲

Equity and liabilities

Total equity and liabilities10/49€196k€245k▲

Equity10/15€101k€161k▲

Contributions10/11€10k€10k=

Reserves13€88k€88k=

Distributable reserves133€88k€88k=

Profit (loss) carried forward14€3k€63k▲

Amounts payable17/49€95k€83k▼

Amounts payable after more than one year17€22k€36k▲

Financial debts170/4€22k€36k▲

Amounts payable within one year42/48€73k€45k▼

Current portion of amounts payable after more than one year42€20k€22k▲

Trade debts44€9k€15k▲

Suppliers440/4€9k€15k▲

Taxes, remuneration and social security45€37k-

Taxes450/3€33k-

Remuneration and social security454/9€5k-

Other amounts payable47/48€7k€8k▲

Accrued charges and deferred income492/3-€2k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€37k▲

Other operating charges640/8€2k€6k▲

Non-recurring operating charges66A€5k-

Gross operating margin9900€134k€131k▼

Operating profit (loss)9901€99k€89k▼

Financial income75/76B€1€253▲

Recurring financial income75€1€253▲

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€98k€87k▼

Income taxes67/77€33k€25k▼

Profit (loss) for the period9904€65k€62k▼

Profit (loss) for the period to be appropriated9905€65k€62k▼

Appropriation of the result

Profit (loss) to be appropriated9906€66k€65k▼

Profit (loss) brought forward from the previous period14P€1k€3k▲

Transfer to equity691/2€63k-

To other reserves6921€63k-

Profit to be distributed694/7€842€2k▲

Return on contributions (dividend)694€842€2k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 5Filings 3

2025

27-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 3.50

Current ratio from 1.70 to 3.50; short-term debt falls from €73k to €45k.

31-12

Financial Equity above €150kEq €161k ▲60.2%

3 profitable years in a row build equity to €161k.

17-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 17 days late

2023

31-12

Financial Highest result since 2022net €65k ▲147%

Operating result €99k, net result €65k, both a record.

31-12

Financial Liquidity doublescurrent ratio 1.70

Current ratio from 0.80 to 1.70.

31-12

Financial Equity above €100kEq €101k ▲177%

2 profitable years in a row build equity to €101k.

16-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 directors, no change since 2024

Kaminski Jaroslaw

Director · since 22-10-2024

Current

22-10-2024 Kaminski Jaroslaw: Appointed as Director

23-09-2024 Kaminski Daniel: Resigned as Director

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2022

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.

Luitenant Liedelstraat 771070 Anderlecht

Ground area

177 m²

Building footprint

92 m²

Volume, LiDAR

875 m³

Parcel 21308H0490/00M002, Brussels · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Kamber

Luitenant Liedelstraat 77, 1070 AnderlechtSpecialised construction activities

since 20222.330.632.757

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21308H0490/00M002	Brussels	177 m²	1 · 92 m²	14.6 m · 4 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.

Similar companies · same sector, comparable size

Steenokkerzeel · Eq €161k

Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,859 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-04-2022

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.