KAMY Group
Judicial reorganisationSummary
The file of KAMY Group contains 1 judicial reorganisation, as published in the Belgian State Gazette. During the judicial reorganisation Checked does not compute a bankruptcy probability from the figures: of the Belgian companies that opened one in 2023 and 2024, about one in four went bankrupt within twelve months. The 2025 annual accounts show negative equity (€-74k) and a net result of €142k. Equity is shrinking by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 8% of 7058 sector peers (fiscal year 2025).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth78▲+20
Track record60
Credit verdict
No credit on open account during an ongoing judicial reorganisation
Liquidity short (current ratio 0.7 against 0.26 in 2024; short-term debt: 137.7% and cash: 0.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 7058 sector peers (2025).
NBB · sector comparisonPosition among 7058 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
41 d early
2021
31 d late
2020
59 d late
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-74k▲ 65.8%
2024 · €-216k
2018: €-85k
2019: €-55k▲ +35.2% vs 2018highest in 8 years
2020: €-149k▼ -169% vs 2019
2021: €-110k▲ +25.8% vs 2020
2022: €-159k▼ -44.1% vs 2021
2023: €-193k▼ -21.6% vs 2022
2024: €-216k▼ -11.8% vs 2023lowest in 8 years
2025: €-74k▲ +65.8% vs 2024
2018 → 2025
Total assets
€163k▲ 88.0%
2024 · €87k
2018: €112k
2019: €233k▲ +108% vs 2018
2020: €147k▼ -37.1% vs 2019
2021: €169k▲ +15.1% vs 2020
2022: €251k▲ +48.9% vs 2021highest in 8 years
2023: €120k▼ -52.1% vs 2022
2024: €87k▼ -27.7% vs 2023lowest in 8 years
2025: €163k▲ +88.0% vs 2024
2018 → 2025
Net result
€142k
2024 · €-23k
2018: €-105klowest in 8 years
2019: €8k▲ +108% vs 2018
2020: €-93k▼ -1205% vs 2019
2021: €38k▲ +141% vs 2020
2022: €-49k▼ -227% vs 2021
2023: €-34k▲ +29.5% vs 2022
2024: €-23k▲ +33.8% vs 2023
2025: €142k▲ +725% vs 2024highest in 8 years
2018 → 2025
Working capital
€-67k▲ 70.1%
2024 · €-223k
2018: €-91k
2019: €-84k▲ +7.7% vs 2018
2020: €-174k▼ -107% vs 2019
2021: €-130k▲ +25.2% vs 2020
2022: €-170k▼ -30.1% vs 2021
2023: €-202k▼ -19.2% vs 2022
2024: €-223k▼ -10.2% vs 2023lowest in 8 years
2025: €-67k▲ +70.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-110k-€-159k▼ 44.1%€-193k▼ 21.6%€-216k▼ 11.8%€-74k▲ 65.8%
2021: €-110k
2022: €-159k▼ -44.1% vs 2021
2023: €-193k▼ -21.6% vs 2022
2024: €-216k▼ -11.8% vs 2023lowest in 5 years
2025: €-74k▲ +65.8% vs 2024highest in 5 years
Operating result€44k-€-43k€-39k▲ 9.6%€-27k▲ 30.2%€141k
2021: €44k
2022: €-43k▼ -198% vs 2021lowest in 5 years
2023: €-39k▲ +9.6% vs 2022
2024: €-27k▲ +30.2% vs 2023
2025: €141k▲ +620% vs 2024highest in 5 years
Net result€38k-€-49k€-34k▲ 29.5%€-23k▲ 33.8%€142k
2021: €38k
2022: €-49k▼ -227% vs 2021lowest in 5 years
2023: €-34k▲ +29.5% vs 2022
2024: €-23k▲ +33.8% vs 2023
2025: €142k▲ +725% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €141k after a loss of €27k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€5k ▼ 25.8%
Current assets
€158k ▲ 97.7%
Key figures and ratios
EBITDA
€143k▲
2024 · €-25k
Cash flow
€144k▲
2024 · €-21k
Solvency
-45.3%▲
2024 · -248.8%
Current ratio
0.70▲
2024 · 0.26
Debt to equity
-3.21▼
2024 · -1.40
ROA
87.1%▲
2024 · -26.2%
Interest coverage
53.98▲
2024 · -15.26
Debt
€237k▼
2024 · €303k
Debt ≤ 1 year
€225k▼
2024 · €303k
Staff costs
€0▲
2024 · €-357
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€87k€163k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€6k€5k▼
Land and buildings22€6k€5k▼
Furniture and vehicles24€0-
Financial fixed assets28€450€450=
Current assets29/58€80k€158k▲
Amounts receivable after more than one year29€70k€97k▲
Other amounts receivable291€70k€97k▲
Amounts receivable within one year40/41€6k€61k▲
Trade receivables40€0€61k▲
Other amounts receivable41€6k€0▼
Cash at bank and in hand54/58€3k€201▼
Deferred charges and accrued income490/1€2k€410▼
Equity and liabilities
Total equity and liabilities10/49€87k€163k▲
Equity10/15€-216k€-74k▲
Contributions10/11€40k€40k=
Reserves13€50€50=
Non-distributable reserves130/1€50€50=
Reserves not available under the articles1311€50€50=
Profit (loss) carried forward14€-256k€-114k▲
Amounts payable17/49€303k€237k▼
Amounts payable within one year42/48€303k€225k▼
Trade debts44€10k€61k▲
Suppliers440/4€10k€61k▲
Taxes, remuneration and social security45€73k€79k▲
Taxes450/3€61k€68k▲
Remuneration and social security454/9€11k€11k=
Other amounts payable47/48€220k€85k▼
Accrued charges and deferred income492/3-€12k
Income statement
Code20242025
Remuneration, social security and pensions62€-357€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€189€2k▲
Gross operating margin9900€-25k€145k▲
Operating profit (loss)9901€-27k€141k▲
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-23k€142k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-23k€142k▲
Profit (loss) for the period to be appropriated9905€-23k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-256k€-114k▲
Profit (loss) brought forward from the previous period14P€-233k€-256k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2k | €0 | - | - | - | - |
| Remuneration, social security and pensions62 | €110k | €52k | €16k | €-357 | €0 | ▲ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €10k | €3k | €2k | €2k | ▼ 16.6% |
| Other operating charges640/8 | €4k | €92 | €2k | €189 | €2k | ▲ 1,153% |
| Gross operating margin9900 | €167k | €19k | €-17k | €-25k | €145k | ▲ 676% |
| Operating profit (loss)9901 | €44k | €-43k | €-39k | €-27k | €141k | ▲ 620% |
| Financial income75/76B | - | €3k | €6k | €6k | €4k | ▼ 34.8% |
| Recurring financial income75 | - | €3k | €6k | €6k | €4k | ▼ 34.8% |
| Financial charges65/66B | €6k | €9k | €1k | €2k | €3k | ▲ 61.3% |
| Recurring financial charges65 | €6k | €9k | €1k | €2k | €3k | ▲ 61.3% |
| Profit (loss) for the period before taxes9903 | €38k | €-49k | €-34k | €-23k | €142k | ▲ 725% |
| Income taxes67/77 | €0 | - | €285 | €0 | - | - |
| Profit (loss) for the period9904 | €38k | €-49k | €-34k | €-23k | €142k | ▲ 725% |
| Profit (loss) for the period to be appropriated9905 | €38k | €-49k | €-34k | €-23k | €142k | ▲ 725% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €169k | €251k | €120k | €87k | €163k | ▲ 88.0% |
| Fixed assets21/28 | €22k | €12k | €9k | €7k | €5k | ▼ 25.8% |
| Intangible fixed assets21 | €6k | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €16k | €12k | €8k | €6k | €5k | ▼ 27.6% |
| Land and buildings22 | €12k | €10k | €8k | €6k | €5k | ▼ 27.6% |
| Furniture and vehicles24 | €4k | €2k | €350 | €0 | - | - |
| Financial fixed assets28 | €450 | €450 | €450 | €450 | €450 | = |
| Current assets29/58 | €147k | €239k | €111k | €80k | €158k | ▲ 97.7% |
| Amounts receivable after more than one year29 | €98k | €98k | €98k | €70k | €97k | ▲ 39.1% |
| Other amounts receivable291 | €98k | €98k | €98k | €70k | €97k | ▲ 39.1% |
| Amounts receivable within one year40/41 | €43k | €134k | €10k | €6k | €61k | ▲ 967% |
| Trade receivables40 | €11k | €91k | €10k | €0 | €61k | - |
| Other amounts receivable41 | €32k | €44k | €0 | €6k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €756 | €2k | €580 | €3k | €201 | ▼ 93.6% |
| Deferred charges and accrued income490/1 | €5k | €5k | €3k | €2k | €410 | ▼ 75.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €169k | €251k | €120k | €87k | €163k | ▲ 88.0% |
| Equity10/15 | €-110k | €-159k | €-193k | €-216k | €-74k | ▲ 65.8% |
| Contributions10/11 | €40k | €40k | €40k | €40k | €40k | = |
| Reserves13 | €50 | €50 | €50 | €50 | €50 | = |
| Non-distributable reserves130/1 | €50 | €50 | €50 | €50 | €50 | = |
| Reserves not available under the articles1311 | €50 | €50 | €50 | €50 | €50 | = |
| Profit (loss) carried forward14 | €-150k | €-199k | €-233k | €-256k | €-114k | ▲ 55.5% |
| Amounts payable17/49 | €279k | €410k | €313k | €303k | €237k | ▼ 21.7% |
| Amounts payable after more than one year17 | €2k | €0 | - | - | - | - |
| Financial debts170/4 | €2k | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €277k | €408k | €313k | €303k | €225k | ▼ 25.8% |
| Current portion of amounts payable after more than one year42 | €4k | €2k | €0 | - | - | - |
| Financial debts43 | €3k | €0 | - | - | - | - |
| Credit institutions430/8 | €3k | €0 | - | - | - | - |
| Trade debts44 | €124 | €28k | €5k | €10k | €61k | ▲ 479% |
| Suppliers440/4 | €124 | €28k | €5k | €10k | €61k | ▲ 479% |
| Bills of exchange payable441 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €252k | €180k | €125k | €73k | €79k | ▲ 8.5% |
| Taxes450/3 | €228k | €161k | €114k | €61k | €68k | ▲ 10.1% |
| Remuneration and social security454/9 | €24k | €19k | €11k | €11k | €11k | = |
| Other amounts payable47/48 | €18k | €198k | €183k | €220k | €85k | ▼ 61.2% |
| Accrued charges and deferred income492/3 | - | €2k | €0 | - | €12k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €-49k | €-34k | €-23k | €142k | ▲ 725% |
| + Depreciation and write-downs630 | €10k | €10k | €3k | €2k | €2k | ▼ 16.6% |
| Operating cash flow (approximation) | €48k | €-39k | €-31k | €-21k | €144k | ▲ 798% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €929 | €-1k | €3k | €-3k | ▼ 215% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €142k
Net result €142k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
03-02
Judicial reorganisation
Opening
Tribunal de l’entreprise de Liège · collective agreement · event 29-01-2021
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Fernelmont · 1 establishment unit since 2017
Ground area
442 m²
Building footprint
448 m²
Parcel 92084C0337/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
KAMY Consulting Group
since 20172.269.161.877
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92084C0337/00L000 | Wallonia | 441 m² | 1 · 448 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,898. 3,151 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-10-2017
Fiscal year end31-12
Abbreviation FR
KAMY
Activities, NACEBEL 2025
73300Public relations and communication consultancy
62200Computer consultancy and computer facilities management
82300Organisation of conventions and trade shows
85599Other education
86995Nutrition and dietetics services
Scores and ratios are computed by Checked and are not a credit decision.