KAMLOU
ActiveThe computed 12-month bankruptcy probability of KAMLOU is 5.6% (elevated). The 2025 annual accounts show equity of €13k and a net result of €45k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 40% of 13159 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency44▲+16
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.81 against 0.61 in 2024; short-term debt: 80.9% and cash: 64.1% of total assets), and 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
19.1%
Return on assets
68.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €13k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-09-2026, 44 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
44 d late
2024
36 d late
2023
31 d late
2022
30 d late
2021
27 d late
2020
30 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k▲ 36.4%
2024 · €33k
2020: €14k
2021: €13k
2022: €-97
2023: €-2k
2024: €33k
2020 → 2025
Working capital
€-10k▲ 57.4%
2024 · €-24k
2020: €8k
2021: €-13k
2022: €-9k
2023: €-5k
2024: €-24k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€9k▼ 1.1%€7k▼ 20.0%€2k▼ 68.0%€13k▲ 470%
Operating result€15k-€56▼ 99.6%€-1k€33k€55k▲ 64.0%
Net result€13k-€-97€-2k▼ 1,689%€33k€45k▲ 36.4%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€23k▼ 12.4%
Current assets
€43k▲ 15.5%
Equity and liabilities €66k
Equity
€13k▲ 470%
Debt
€53k▼ 12.8%
The debt ratio falls from 96.5% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▲
2024 · €44k
Cash flow
€56k▲
2024 · €44k
Solvency
19.1%▲
2024 · 3.5%
Current ratio
0.81▲
2024 · 0.61
Quick ratio
0.79▲
2024 · 0.53
Debt / equity
4.22▼
2024 · 27.61
ROE
359.8%
ROA
68.9%▲
2024 · 52.5%
Interest coverage
82.77▼
2024 · 288.13
Debt
€53k▼
2024 · €61k
Debt ≤ 1 year
€53k▼
2024 · €61k
Income taxes
€9k
Staff costs
€885
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€63k€66k▲
Fixed assets21/28€26k€23k▼
Tangible fixed assets22/27€26k€15k▼
Plant, machinery and equipment23€26k€15k▼
Financial fixed assets28-€8k
Current assets29/58€37k€43k▲
Stocks and contracts in progress3€5k€829▼
Stocks30/36€5k€829▼
Amounts receivable within one year40/41€686€108▼
Trade receivables40-€108
Other amounts receivable41€686-
Cash at bank and in hand54/58€32k€42k▲
Equity and liabilities
Total equity and liabilities10/49€63k€66k▲
Equity10/15€2k€13k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€215€11k▲
Amounts payable17/49€61k€53k▼
Amounts payable within one year42/48€61k€53k▼
Trade debts44€20k€972▼
Suppliers440/4€20k€972▼
Taxes, remuneration and social security45€3k€17k▲
Taxes450/3€34€12k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€38k€35k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€885
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€307€2k▲
Gross operating margin9900€44k€68k▲
Operating profit (loss)9901€33k€55k▲
Financial charges65/66B€153€792▲
Recurring financial charges65€153€792▲
Profit (loss) for the period before taxes9903€33k€54k▲
Income taxes67/77-€9k
Profit (loss) for the period9904€33k€45k▲
Profit (loss) for the period to be appropriated9905€33k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€46k▲
Profit (loss) brought forward from the previous period14P€5k€215▼
Profit to be distributed694/7€38k€35k▼
Return on contributions (dividend)694€38k-
Directors or managers695-€35k
The notes to these accounts (6 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
13-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 44 days late
2025
31-12
Financial
Highest result since 2020net €45k ▲36.4%
Operating result €55k, net result €45k, both a record.
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-10-2025
Loumrhari Sayad Ahmed: Resigned as Director
31-03-2025
Badri Mohammed: Resigned as Director
31-03-2025
Kamli Abdellatif: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2020
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.
Grétrystraat 431000 BrusselGround area
421 m²
Building footprint
185 m²
Volume, LiDAR
3,637 m³
Parcel 21802B1460/00X000, Brussels · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Ciao Italia
since 20202.297.946.925
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1460/00X000 | Brussels | 421 m² | 1 · 185 m² | 22.9 m · 7 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 siteBrussel2.297.946.925
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,778. 7,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.