Summary
MICAMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €603,712 and a net result of €47,675. Its solvency ranks better than 47% of 9872 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-06-2026, 43 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
43 d early
2024
11 d late
2023
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average on the deadline day; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 11 August (3 of the last 3 filed years within 54 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€603,712▲ 0.9%
2023 · €598,537
Net result
€47,675▼ 89.8%
2023 · €468,046
Total assets
€1.2m▲ 1.0%
2023 · €1.2m
Solvency
51.4%▼ 0.1pp
2023 · 51.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€93,613-€70,728▼ 24.4%
Net result€468,046above the sector's middle half-€47,675within the sector's middle half▼ 89.8%
Equity€598,537above the sector's middle half-€603,712above the sector's middle half▲ 0.9%
Total assets€1.2mabove the sector's middle half-€1.2mabove the sector's middle half▲ 1.0%
Debt€563,454-€570,118▲ 1.2%
Working capital€274,272above the sector's middle half-€253,342above the sector's middle half▼ 7.6%
Solvency51.5%within the sector's middle half-51.4%within the sector's middle half▼ 0.1pp
Current ratio5.16above the sector's middle half-4.21within the sector's middle half▼ 0.95
Return on assets (ROA)40.3%above the sector's middle half-4.1%within the sector's middle half▼ 36.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€841,512 ▲ 2.4%
Current assets
€332,318 ▼ 2.3%
Equity and liabilities €1.2m
Equity
€603,712 ▲ 0.9%
Debt
€570,118 ▲ 1.2%
Debt's share of the balance-sheet total rises from 48.5% to 48.6%. Equity and debt are higher.
Key figures and ratios
ROE
7.9%▼
2023 · 78.2%
Debt ≤ 1 year
€78,976▲
2023 · €65,980
Debt > 1 year
€491,142▲
2023 · €484,074
Income taxes
€19,803▼
2023 · €24,877
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €100,412 | €42,954 | ▼ 57.2% |
| Other operating charges640/8 | €1,008 | €7,921 | ▲ 686% |
| Gross operating margin9900 | €195,033 | €121,604 | ▼ 37.6% |
| Operating profit (loss)9901 | €93,613 | €70,728 | ▼ 24.4% |
| Financial income75/76B | €406,762 | €11,194 | ▼ 97.2% |
| Recurring financial income75 | €406,762 | €11,194 | ▼ 97.2% |
| Financial charges65/66B | €7,452 | €14,444 | ▲ 93.8% |
| Recurring financial charges65 | €7,452 | €14,444 | ▲ 93.8% |
| Profit (loss) for the period before taxes9903 | €492,923 | €67,478 | ▼ 86.3% |
| Income taxes67/77 | €24,877 | €19,803 | ▼ 20.4% |
| Profit (loss) for the period9904 | €468,046 | €47,675 | ▼ 89.8% |
| Profit (loss) for the period to be appropriated9905 | €468,046 | €47,675 | ▼ 89.8% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.2m | €1.2m | ▲ 1.0% |
| Fixed assets21/28 | €821,739 | €841,512 | ▲ 2.4% |
| Tangible fixed assets22/27 | €663,480 | €683,253 | ▲ 3.0% |
| Land and buildings22 | €625,762 | €630,861 | ▲ 0.8% |
| Furniture and vehicles24 | €21,060 | €17,011 | ▼ 19.2% |
| Other tangible fixed assets26 | €16,658 | €35,381 | ▲ 112% |
| Financial fixed assets28 | €158,259 | €158,259 | = |
| Current assets29/58 | €340,252 | €332,318 | ▼ 2.3% |
| Amounts receivable after more than one year29 | €165,000 | €100,000 | ▼ 39.4% |
| Other amounts receivable291 | €165,000 | €100,000 | ▼ 39.4% |
| Amounts receivable within one year40/41 | €29,196 | €87,812 | ▲ 201% |
| Trade receivables40 | €24,200 | €83,300 | ▲ 244% |
| Other amounts receivable41 | €4,996 | €4,512 | ▼ 9.7% |
| Current investments50/53 | €130,000 | €100,000 | ▼ 23.1% |
| Cash at bank and in hand54/58 | €15,238 | €44,506 | ▲ 192% |
| Deferred charges and accrued income490/1 | €817 | €0 | ▼ 100% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.2m | €1.2m | ▲ 1.0% |
| Equity10/15 | €598,537 | €603,712 | ▲ 0.9% |
| Contributions10/11 | €1,000 | €1,000 | = |
| Reserves13 | €597,500 | €602,500 | ▲ 0.8% |
| Distributable reserves133 | €597,500 | €602,500 | ▲ 0.8% |
| Profit (loss) carried forward14 | €37 | €212 | ▲ 474% |
| Amounts payable17/49 | €563,454 | €570,118 | ▲ 1.2% |
| Amounts payable after more than one year17 | €484,074 | €491,142 | ▲ 1.5% |
| Financial debts170/4 | €484,074 | €491,142 | ▲ 1.5% |
| Amounts payable within one year42/48 | €65,980 | €78,976 | ▲ 19.7% |
| Current portion of amounts payable after more than one year42 | €35,674 | €34,011 | ▼ 4.7% |
| Financial debts43 | - | €28 | - |
| Credit institutions430/8 | - | €28 | - |
| Trade debts44 | €1,606 | €2,001 | ▲ 24.6% |
| Suppliers440/4 | €1,606 | €2,001 | ▲ 24.6% |
| Taxes, remuneration and social security45 | €22,500 | €0 | ▼ 100% |
| Taxes450/3 | €22,500 | €0 | ▼ 100% |
| Other amounts payable47/48 | €6,200 | €42,935 | ▲ 593% |
| Accrued charges and deferred income492/3 | €13,400 | €0 | ▼ 100% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €468,046 | €47,675 | ▼ 89.8% |
| + Depreciation and write-downs630 | €100,412 | €42,954 | ▼ 57.2% |
| Operating cash flow (approximation) | €568,458 | €90,629 | ▼ 84.1% |
| Investment in fixed assets (approximation) | - | -€62,726 | - |
| Change in cash | - | €29,268 | - |
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
18-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Lochristi · 1 establishment unit since 2018
Ground area
897 m²
Building footprint
167 m²
Parcel 44076F0181/00T003, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
MICAMA
since 20182.279.458.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44076F0181/00T003 | Flanders | 897 m² | 1 · 167 m² | 0.1 m |
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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 2
-
40%
-
17%
According to the 2024 annual accounts of MICAMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 806 companies in sector 64999 we hold annual accounts for 487. 281 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
Founded09-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0691887538
Also
9925:BE0691887538
Registered
26-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.