Bestuur Caruur
ActiveSummary
Bestuur Caruur has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.06M and a net result of €237k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+6
Solvency58▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.23 in 2024; short-term debt: 27% and cash: 5.8% of total assets), and 67.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
32.9%
Return on assets
3.8%
Age of the figures
9 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
62 d early
2023
49 d early
2022
62 d early
2021
58 d early
2020
44 d early
2019
80 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.06M▲ 13.0%
2024 · €1.82M
2018: €177k
2019: €365k
2020: €638k
2021: €880k
2022: €1.26M
2023: €1.66M
2024: €1.82M
2018 → 2025
Total assets
€6.24M▲ 0.6%
2024 · €6.20M
2018: €1.33M
2019: €1.21M
2020: €1.64M
2021: €4.20M
2022: €5.40M
2023: €6.09M
2024: €6.20M
2018 → 2025
Net result
€237k▲ 47.4%
2024 · €161k
2018: €6k
2019: €254k
2020: €273k
2021: €242k
2022: €383k
2023: €411k
2024: €161k
2018 → 2025
Working capital
€-1.07M▲ 9.5%
2024 · €-1.18M
2018: €-172k
2019: €278k
2020: €232k
2021: €-192k
2022: €-905k
2023: €-1.10M
2024: €-1.18M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€880k-€1.26M▲ 43.5%€1.66M▲ 31.2%€1.82M▲ 9.7%€2.06M▲ 13.0%
Operating result€347k-€503k▲ 45.0%€684k▲ 35.9%€409k▼ 40.2%€500k▲ 22.3%
Net result€242k-€383k▲ 58.1%€411k▲ 7.3%€161k▼ 60.9%€237k▲ 47.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.24M
Fixed assets
€5.62M ▼ 4.0%
Current assets
€620k ▲ 80.3%
Equity and liabilities €6.24M
Equity
€2.06M ▲ 13.0%
Provisions
€32k ▼ 8.5%
Debt
€4.15M ▼ 4.5%
Debt's share of the balance-sheet total falls from 70.1% to 66.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€799k▲
2024 · €687k
Cash flow
€535k▲
2024 · €438k
Current ratio
0.37▲
2024 · 0.23
Debt to equity
2.02▼
2024 · 2.39
ROE
11.5%▲
2024 · 8.8%
ROA
3.8%▲
2024 · 2.6%
Interest coverage
4.14▲
2024 · 3.55
Debt ≤ 1 year
€1.69M▲
2024 · €1.52M
Debt > 1 year
€2.21M▼
2024 · €2.56M
Income taxes
€80k▲
2024 · €62k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.20M€6.24M▲
Fixed assets21/28€5.86M€5.62M▼
Tangible fixed assets22/27€2.40M€2.17M▼
Land and buildings22€1.59M€1.54M▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€811k€622k▼
Financial fixed assets28€3.45M€3.45M=
Current assets29/58€344k€620k▲
Amounts receivable within one year40/41€119k€232k▲
Trade receivables40€82k€175k▲
Other amounts receivable41€37k€57k▲
Cash at bank and in hand54/58€224k€364k▲
Deferred charges and accrued income490/1€379€25k▲
Equity and liabilities
Total equity and liabilities10/49€6.20M€6.24M▲
Equity10/15€1.82M€2.06M▲
Contributions10/11€19k€19k=
Reserves13€1.80M€2.04M▲
Tax-exempt reserves132€655k€709k▲
Distributable reserves133€1.15M€1.33M▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€35k€32k▼
Deferred taxes168€35k€32k▼
Amounts payable17/49€4.35M€4.15M▼
Amounts payable after more than one year17€2.56M€2.21M▼
Financial debts170/4€1.81M€1.46M▼
Other amounts payable178/9€750k€750k=
Amounts payable within one year42/48€1.52M€1.69M▲
Current portion of amounts payable after more than one year42€348k€354k▲
Trade debts44€11k€112k▲
Suppliers440/4€11k€112k▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€1.16M€1.22M▲
Accrued charges and deferred income492/3€265k€260k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€278k€298k▲
Other operating charges640/8€10k€10k▲
Gross operating margin9900€696k€809k▲
Operating profit (loss)9901€409k€500k▲
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€193k€193k▼
Recurring financial charges65€193k€193k▼
Profit (loss) for the period before taxes9903€220k€314k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€62k€80k▲
Profit (loss) for the period9904€161k€237k▲
Transfer from tax-exempt reserves789€9k€93k▲
Transfer to tax-exempt reserves689€84k€147k▲
Profit (loss) for the period to be appropriated9905€86k€183k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€183k▲
Transfer from equity791/2€0-
Transfer to equity691/2€86k€183k▲
To other reserves6921€86k€183k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €2.06M ▲13%
8 profitable years in a row build equity to €2.06M.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €411k ▲7.3%
Operating result €684k, net result €411k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.26M ▲43.5%
5 profitable years in a row build equity to €1.26M.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €638k ▲75%
3 profitable years in a row build equity to €638k.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 9current ratio 4.25
Current ratio from 0.46 to 4.25; short-term debt falls from €320k to €85k.
Show earlier events
31-12
Financial
Equity above €200kEq €365k ▲106%
2 profitable years in a row build equity to €365k.
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2002
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.
Traktaatweg 39000 GentGround area
1,515 m²
Building footprint
1,001 m²
Volume, LiDAR
8,410 m³
Parcel 44812A1121/00N000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bestuur Caruur
since 20022.114.560.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44812A1121/00N000 | Flanders | 1,515 m² | 1 · 1,001 m² | 9.5 m · 3 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.
Similar companies · same sector, comparable size
AKT - CCI Liège-Verviers-Namur
BE 0810.570.206
Liège · Eq €2,055,003
VAN DIJK & Co
BE 0861.261.119
Wezembeek-Oppem · Eq €2,054,913
MBDL
BE 0508.791.526
Elsene · Eq €2,057,473
Close the Gap Africa Investment
BE 0729.601.534
Machelen (Brab.) · Eq €2,058,045
KRISTINE VAN HOOL
BE 0472.068.316
Knokke-Heist · Eq €2,058,241
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 19,851 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2002
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
47811Retail sale of cars and light vans (up to 3.5 tonnes)
68203Renting and operating of own or leased non-residential real estate, excluding land
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.