LA CAMBRE FINANCE

Active

Private limited companyfounded 199729 yrs activeGen.Dossin de St.Georgeslaan 13-15, 1050 Elsene, BelgiumKBO/BCE: BE 0460.528.185

LA CAMBRE FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €74k and a net result of €47k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 1457 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Signals

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

○neutral

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filings

Deviation from the deadline

2025

6 d late

2024

14 d early

2023

on the day

2022

8 d late

2021

9 d late

2020

19 d late

2019

102 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 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 2025, abbreviated schema

Equity

€74k▲ 177%

2024 · €26k

2018: €2k 2019: €13k 2020: €17k 2021: €143k 2022: €168k 2023: €183k 2024: €26k

2018 → 2025

Net result

€47k▼ 35.9%

2024 · €73k

2018: €11k 2019: €11k 2020: €4k 2021: €126k 2022: €125k 2023: €55k 2024: €73k

2018 → 2025

Total assets

€344k▼ 12.2%

2024 · €392k

2018: €86k 2019: €264k 2020: €256k 2021: €331k 2022: €399k 2023: €333k 2024: €392k

2018 → 2025

Solvency

21.4%▲ 14.6pp

2024 · 6.8%

2018: 2.1% 2019: 4.9% 2020: 6.5% 2021: 43.1% 2022: 42.1% 2023: 55.1% 2024: 6.8%

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€143k-€168k▲ 17.7%€183k▲ 9.1%€26k▼ 85.5%€74k▲ 177%

Operating result€177k-€193k▲ 9.4%€86k▼ 55.2%€106k▲ 22.5%€72k▼ 32.3%

Net result€126k-€125k▼ 0.6%€55k▼ 55.9%€73k▲ 32.8%€47k▼ 35.9%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 32% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €217k

40.6%

59.4%

Fixed assets €88k▼ 25.4%

Current assets €129k▼ 53.0%

Equity and liabilities €344k

21.4%

78.6%

Equity €74k▲ 177%

Debt €270k▼ 25.9%

The debt ratio falls from 93.2% to 78.6%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

21.4%▲

2024 · 6.8%

ROE

64.0%▼

2024 · 276.9%

ROA

13.7%▼

2024 · 18.7%

Debt

€270k▼

2024 · €365k

Debt ≤ 1 year

€214k▼

2024 · €361k

Debt > 1 year

€57k▲

2024 · €4k

Income taxes

€21k▼

2024 · €28k

Staff costs

€330k▲

2024 · €256k

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€392k€344k▼

Formation expenses20-€127k

Fixed assets21/28€118k€88k▼

Intangible fixed assets21€99k€71k▼

Tangible fixed assets22/27€19k€16k▼

Plant, machinery and equipment23€10k€6k▼

Furniture and vehicles24€9k€10k▲

Financial fixed assets28€481€481=

Current assets29/58€274k€129k▼

Amounts receivable within one year40/41€156k€98k▼

Trade receivables40€23k€74k▲

Other amounts receivable41€133k€24k▼

Current investments50/53€80k-

Cash at bank and in hand54/58€32k€28k▼

Deferred charges and accrued income490/1€5k€3k▼

Equity and liabilities

Total equity and liabilities10/49€392k€344k▼

Equity10/15€26k€74k▲

Contributions10/11€19k€19k=

Reserves13€364€55k▲

Non-distributable reserves130/1€364€0▼

Reserves not available under the articles1311€364€0▼

Distributable reserves133-€55k

Profit (loss) carried forward14€8k€0▼

Amounts payable17/49€365k€270k▼

Amounts payable after more than one year17€4k€57k▲

Financial debts170/4€4k€57k▲

Amounts payable within one year42/48€361k€214k▼

Current portion of amounts payable after more than one year42-€43k

Financial debts43€37k-

Credit institutions430/8€37k-

Trade debts44€30k€106k▲

Suppliers440/4€30k€106k▲

Taxes, remuneration and social security45€23k€65k▲

Taxes450/3-€26k

Remuneration and social security454/9€23k€39k▲

Other amounts payable47/48€271k€0▼

Accrued charges and deferred income492/3-€451

Income statement Code20242025

Non-recurring operating income76A-€1k

Remuneration, social security and pensions62€256k€330k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€38k▲

Other operating charges640/8€6k€14k▲

Operating charges capitalised as restructuring costs649-€-134k

Gross operating margin9900€399k€319k▼

Operating profit (loss)9901€106k€72k▼

Financial income75/76B€91€1k▲

Recurring financial income75€91€1k▲

Financial charges65/66B€5k€5k▼

Recurring financial charges65€5k€5k▼

Profit (loss) for the period before taxes9903€101k€68k▼

Income taxes67/77€28k€21k▼

Profit (loss) for the period9904€73k€47k▼

Profit (loss) for the period to be appropriated9905€73k€47k▼

Appropriation of the result

Profit (loss) to be appropriated9906€238k€55k▼

Profit (loss) brought forward from the previous period14P€164k€8k▼

Transfer to equity691/2-€55k

To other reserves6921-€55k

Profit to be distributed694/7€230k€0▼

Return on contributions (dividend)694€230k€0▼

Social balance

Average headcount (FTE)9087-2.7

The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 16Financial 5Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

06-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 6 days late

30-03

State Gazette act Resignations & appointments

General meeting · Name change · Statutes amendment3 facts ▸

General meeting, 26/03/2026
Name change, LA CAMBRE FINANCE
Statutes amendment

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

08-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 8 days late

2022

31-12

Financial Equity above €150kEq €168k ▲17.7%

5 profitable years in a row build equity to €168k.

09-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 9 days late

2021

31-12

Financial Highest result since 2018net €126k ▲3204%

Net result €126k, the highest in the series.

31-12

Financial Liquidity doublescurrent ratio 1.63

Current ratio from 0.73 to 1.63; short-term debt falls from €124k to €101k.

31-12

Financial Equity above €100kEq €143k ▲757%

4 profitable years in a row build equity to €143k.

19-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 19 days late

2020

31-12

Financial Weakest financial yearnet €4k ▼65.5%

Net result drops to €4k, the lowest in the series; recovery starts the following year.

10-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 102 days late

2019

27-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 58 days late

2018

01-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 1 day late

2017

21-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 21 days late

Financial milestoneState Gazette actNBB 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.

15-09-2025 Charlotte van Swieten: Resigned as Director

15-09-2025 Philippe Eyben: Resigned as Director

06-06-2024 Philippe Eyben: Resigned as Manager

06-06-2024 Coockie & Co: Resigned as Manager

Location & real-estate footprint

Registered office, Elsene · 1 establishment unit since 1997

establishment The establishment unit on the map

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.

Gen.Dossin de St.Georgeslaan 13-151050 Elsene

Ground area

357 m²