Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CAMAL FAMILY INVEST from Pepinster, company number BE0403916116, closed financial year 2025 with a result of € 9,863 after tax. For that financial year CAMAL FAMILY INVEST recorded a gross margin of € 23,976 and equity of € 266,228. Compared with financial year 2024, the result moved from € 9,831 to € 9,863. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on December 8, 2025.
€ 266,228
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,863
Profit after tax over the fiscal year.
€ 8,076
▼ 84% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 125,410.
Debts at end 2025
€ 41,906
▼ 27% vs 2024
€ 15,546 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 38,292 | € 17,082 | € 23,322 | € 23,976 | ▲ 3% |
| Profit after taxes | € 19,903 | € 2,450 | € 9,831 | € 9,863 | |
| Equity | € 244,083 | € 246,533 | € 256,364 | € 266,228 | ▲ 4% |
| Total debts | € 89,610 | € 72,752 | € 57,661 | € 41,906 | ▼ 27% |
| Cash | € 22,024 | € 191,471 | € 51,177 | € 8,076 | ▼ 84% |
| Land & buildings | € 132,780 | € 127,814 | € 122,848 | € 149,786 | ▲ 22% |
| Retained profit | € 103,266 | € 105,716 | € 115,547 | € 125,410 | ▲ 9% |
| Bank debt | € 87,362 | € 72,405 | € 57,253 | € 41,906 | ▼ 27% |
| Balance sheet total | € 333,693 | € 319,286 | € 314,026 | € 308,134 | ▼ 2% |
Key figures of CAMAL FAMILY INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to CAMAL FAMILY INVEST?
What happened at CAMAL FAMILY INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,863. Source: NBB ↗
- New establishment in Beyne-Heusay. KBO
- Start of the company according to the CBE. KBO
In short
From € 19,903 profit in 2022 to € 9,863 profit in 2025.
Paid € 6,046 in corporate taxes since 2022.
Best year ever: 2022, with € 19,903 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CAMAL FAMILY INVEST are Joseph CAMAL and Didier CAMAL. Didier CAMAL is also behind PROJECTIF.
Directors
According to the 2025 annual accounts
Joseph CAMAL
Director
Establishments
Establishment units
Physical locations of this company
Tilleul 194
4861 Pepinster
Rue Derrière les Jardins 8
4610 Beyne-Heusay
Active since 1 January 1952
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0403.916.116
- VAT number
- BE 0403.916.116
- Registered office
- Tilleul 194, 4861 Pepinster
- Names & denominations
- CAMAL FAMILY INVEST · C.F.I.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1952
- Peppol
- Active · Active since 20 May 2026
- Contact
- [email protected]