Van Camp – Apostolou 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 €94k and a net result of €239k. Its solvency ranks better than 11% of 9863 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice 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 11% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€94k
Net result
€239k
Total assets
€1.65M
Solvency
5.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €1.65M
Fixed assets
€1.02M
Current assets
€632k
Equity and liabilities €1.65M
Equity
€94k
Debt
€1.55M
Debt finances 94.3% of the balance-sheet total.
Key figures and ratios
Solvency
5.7%
ROE
254.2%
ROA
14.5%
Debt
€1.55M
Debt ≤ 1 year
€500k
Debt > 1 year
€1.05M
Income taxes
€30k
Staff costs
€346k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€1.65M
Fixed assets21/28€1.02M
Intangible fixed assets21€897k
Tangible fixed assets22/27€120k
Plant, machinery and equipment23€6k
Furniture and vehicles24€47k
Other tangible fixed assets26€67k
Current assets29/58€632k
Amounts receivable within one year40/41€115k
Trade receivables40€115k
Other amounts receivable41€4
Cash at bank and in hand54/58€513k
Deferred charges and accrued income490/1€4k
Equity and liabilities
Total equity and liabilities10/49€1.65M
Equity10/15€94k
Contributions10/11€5k
Capital10€5k
Issued capital100€5k
Reserves13€89k
Distributable reserves133€89k
Amounts payable17/49€1.55M
Amounts payable after more than one year17€1.05M
Financial debts170/4€1.05M
Amounts payable within one year42/48€500k
Current portion of amounts payable after more than one year42€56k
Trade debts44€119k
Suppliers440/4€119k
Taxes, remuneration and social security45€79k
Taxes450/3€27k
Remuneration and social security454/9€52k
Other amounts payable47/48€246k
Income statement
Code2024
Remuneration, social security and pensions62€346k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k
Other operating charges640/8€270
Gross operating margin9900€781k
Operating profit (loss)9901€305k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€37k
Recurring financial charges65€37k
Profit (loss) for the period before taxes9903€270k
Income taxes67/77€30k
Profit (loss) for the period9904€239k
Profit (loss) for the period to be appropriated9905€239k
Appropriation of the result
Profit (loss) to be appropriated9906€239k
Transfer to equity691/2€89k
To other reserves6921€89k
Profit to be distributed694/7€150k
Directors or managers695€150k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-08
State Gazette act
Registered officeRegistered-office move · Power of attorney · Permanent representative5 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney · Permanent representative5 facts ▸
- Registered-office move, Kapellensteenweg 49, 2920 Kalmthout
- Power of attorney, Accountantskantoor Fidufin BV
- Permanent representative, Bart Van Brecht
- Permanent representative, An Van Camp
- Permanent representative, Christophe Apostolou
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
State Gazette actNBB filing
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kalmthout · 1 establishment unit since 2023
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.
Kapellensteenweg (C) 492920 KalmthoutGround area
901 m²
Building footprint
375 m²
Volume, LiDAR
2,349 m³
Parcel 11022G0275/00S000, Flanders · tallest building 14.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
An Van Camp
since 20232.348.959.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0275/00S000 | Flanders | 901 m² | 1 · 375 m² | 14.0 m · 1 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2023
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.