TAMARA C.E.M.
ActiveTAMARA C.E.M. has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €419k and a net result of €49k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 47% of 4760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+53
Solvency98▲+7
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 1.83 in 2024), and 49.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
50.7%
Return on assets
5.9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
4 d early
2021
6 d early
2020
99 d late
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close04-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€419k▲ 12.4%
2024 · €372k
2023: €388k
2024: €372k
2023 → 2025
Total assets
€826k▲ 4.5%
2024 · €790k
2023: €1.06M
2024: €790k
2023 → 2025
Net result
€49k▲ 1,167%
2024 · €4k
2023: €-11k
2024: €4k
2023 → 2025
Working capital
€144k▲ 112%
2024 · €68k
2023: €303k
2024: €68k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€388k-€372k▼ 4.0%€419k▲ 12.4%
Operating result€-9k-€9k€81k▲ 798%
Net result€-11k-€4k€49k▲ 1,167%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 798% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €826k
Fixed assets
€584k▼ 8.6%
Current assets
€241k▲ 60.7%
Equity and liabilities €826k
Equity
€419k▲ 12.4%
Provisions
€88k▼ 4.5%
Debt
€319k▼ 1.9%
The debt ratio falls from 41.2% to 38.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€121k▲
2024 · €78k
Cash flow
€89k▲
2024 · €72k
Solvency
50.7%▲
2024 · 47.2%
Current ratio
2.49▲
2024 · 1.83
Quick ratio
2.49▲
2024 · 1.83
Debt / equity
0.76▼
2024 · 0.87
ROE
11.7%▲
2024 · 1.0%
ROA
5.9%▲
2024 · 0.5%
Interest coverage
11.29▲
2024 · 5.91
Debt
€319k▼
2024 · €325k
Debt ≤ 1 year
€97k▲
2024 · €82k
Debt > 1 year
€222k▼
2024 · €233k
Income taxes
€24k▲
2024 · €6k
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
Balance sheet
Code2025
Total assets
20/58€826k
Fixed assets
21/28€584k
Tangible fixed assets
22/27€584k
Financial fixed assets
28€0
Current assets
29/58€241k
Amounts receivable within one year
40/41€24k
Investments
50/53€15k
Cash & bank
54/58€191k
Total equity & liabilities
10/49€826k
Equity
10/15€419k
Contributions / capital
10/11€6k
Reserves
13€412k
Accumulated profits (losses)
14€0
Provisions & deferred taxes
16€88k
Amounts payable
17/49€319k
Amounts payable after one year
17€222k
Amounts payable within one year
42/48€97k
Trade debts payable within one year
44€10k
Income statement
Code2025
Gross operating margin
9900€127k
Operating result
9901€81k
Financial income
75€56
Financial charges
65€11k
Result before taxes
9903€68k
Income taxes
67/77€24k
Net result for the period
9904€49k
Result to be appropriated
9905€61k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2023net €49k ▲1167%
Operating result €81k, net result €49k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-12
State Gazette act
Capital & shares
Rob Wuyts
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
10-05
State Gazette act
Miscellaneous
proposal
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 99 days late
2020
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Structure & network
Ownership & control
1 partyTAMARA C.E.M.BE 0818.203.116
controls
Where this company holds controlthis company sits on their board1
3 locations
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
BULLSEYE
BE 0806.710.495
Tremelo · Eq €419k
TAMINA
BE 0784.306.168
Namur · Eq €419k
AKKOLADE
BE 0502.792.768
Lochristi · Eq €419k
Parvie
BE 0764.869.942
Gent · Eq €419k
JAN VANDENWYNGAERDEN
BE 0880.679.925
Edegem · Eq €419k
Of 82,341 companies in sector 70200 we hold annual accounts for 50,889. 35,488 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2009
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.