CA INSIDE
ActiveSummary
CA INSIDE has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,112 and a net result of €8,856. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 10% of 34,946 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-08-2011 Normal situation
- Activity
- Joinery installation NACE 43320and 2 others
- Establishment unit
- 2.235.104.187 5100 Namur, since 30-08-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 14-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.7%
- Gross margin
- €31,612
- ▲ 60.6%
- Turnover
- ≈ €190,000
- estimated
- Profit
- €8,856
- Equity
- €2,112
- Total assets
- €177,678
- ▲ 14.3%
- Staff
- 1 FTE
- =
- 2025 accounts filed 5 days after the deadline
Score breakdownraises riskSector: Specialised construction activities (NACE 43)Equity €2,112 (1.2% of total assets)lowers riskSize: total assets €177,678Founded in 2011Show the evidence
Checked score
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 9% of them on solvency, 4% on liquidity, 49% on profitability and 93% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 6 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 5 days after the deadline Filed on 5 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00386032.
Annual accounts 2025 filed on 05-08-2026 at the NBB all 9 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a profit of €2,837, after a loss of €16,302 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | - |
| full-time | 1 | 1 | - |
| in full-time equivalents | 1 | 1 | 1 |
| Average over the year, in full-time equivalents | 0.1 | 1 | 1 |
| On a permanent contract | - | 1 | 1 |
| Joined | 1 | - | - |
| Left | 0 | - | - |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €1,244 | - | €24,067 |
| Financial fixed assets | - | - | €584 | - | - |
| Depreciation and write-downs of the year | €2,394 | €2,119 | €2,056 | €1,175 | €1,082 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as CA INSIDE: joinery installation (NACE 43320). They are comparable in size and age: total assets between €152,000 and €192,000, founded between 2009 and 2013.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| CA INSIDE Namur | 2011 | €177,678 | €2,112 | €31,612 | €8,856 | 2025 |
| KREATIEF ATELIER Menen | 2011 | €191,769 | €105,792 | €33,577 | €14,393 | 2025 |
| KENNY MIEVIS Heusden-Zolder | 2012 | €173,088 | €125,910 | €35,852 | €17,099 | 2025 |
| CANDEK OAK Herentals | 2013 | €173,281 | €53,651 | €30,579 | -€5,031 | 2025 |
| SCIBELCO La Louvière | 2009 | €178,198 | €26,913 | €32,899 | €5,241 | 2025 |
| Ben Everaert Sint-Laureins | 2012 | €167,457 | €61,318 | €27,816 | €2,208 | 2025 |
| SAMAU Oostende | 2011 | €151,528 | €120,350 | €31,521 | €8,866 | 2025 |
They were chosen from the 9,053 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 1,375 companies had the same profile as CA INSIDE has now. Two years later, 2.2% had gone bankrupt and 95.9% were still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CA INSIDE itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,375 companies, not a prediction for CA INSIDE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €1,247 | - | €2,355 | - |
| Remuneration, social security and pensions62 | - | - | - | - | - | €2,243 | €33,791 | €27,157 | ▼ 19.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €875 | €847 | €1,472 | €2,394 | €2,119 | €2,056 | €1,175 | €1,082 | ▼ 7.9% |
| Other operating charges640/8 | - | - | - | €717 | €274 | €1,238 | €1,022 | €536 | ▼ 47.5% |
| Gross operating margin9900 | €18,216 | €20,258 | €99,428 | -€76,902 | €6,845 | -€31,365 | €19,686 | €31,612 | ▲ 60.6% |
| Operating profit (loss)9901 | -€31,698 | -€10,652 | €97,532 | -€80,014 | €4,452 | -€36,902 | -€16,302 | €2,837 | - |
| Financial income75/76B | - | - | - | €3,759 | €6,699 | €5,090 | €2,079 | €6,635 | ▲ 219% |
| Recurring financial income75 | €5,893 | €5,419 | €8,033 | €3,759 | €6,699 | €5,090 | €2,079 | €6,635 | ▲ 219% |
| Financial charges65/66B | - | - | - | €2,001 | €284 | €2,053 | €354 | €587 | ▲ 65.7% |
| Recurring financial charges65 | €547 | €592 | €1,407 | €2,001 | €284 | €2,053 | €354 | €587 | ▲ 65.7% |
| Profit (loss) for the period before taxes9903 | -€26,353 | -€5,825 | €104,158 | -€78,257 | €10,866 | -€33,865 | -€14,578 | €8,885 | - |
| Income taxes67/77 | - | - | €19,941 | €20 | €178 | €194 | €140 | €29 | ▼ 79.3% |
| Profit (loss) for the period9904 | -€26,353 | -€5,825 | €84,217 | -€78,276 | €10,689 | -€34,059 | -€14,717 | €8,856 | - |
| Profit (loss) for the period to be appropriated9905 | -€26,353 | -€5,825 | €84,217 | -€78,276 | €10,689 | -€34,059 | -€14,717 | €8,856 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €61,191 | €70,265 | €202,696 | €96,197 | €119,398 | €113,937 | €155,496 | €177,678 | ▲ 14.3% |
| Fixed assets21/28 | €5,465 | €8,418 | €13,218 | €10,824 | €8,705 | €8,476 | €7,301 | €24,483 | ▲ 235% |
| Intangible fixed assets21 | - | €2,678 | €3,836 | €3,390 | €2,943 | €2,497 | €2,051 | €1,604 | ▼ 21.8% |
| Tangible fixed assets22/27 | €1,920 | €2,196 | €5,838 | €3,890 | €2,217 | €1,851 | €1,122 | €18,750 | ▲ 17× |
| Furniture and vehicles24 | - | - | - | €2,793 | €1,394 | €206 | - | €18,151 | - |
| Other tangible fixed assets26 | - | - | - | €1,097 | €823 | €1,646 | €1,122 | €599 | ▼ 46.6% |
| Financial fixed assets28 | €3,545 | €3,545 | €3,545 | €3,545 | €3,545 | €4,128 | €4,128 | €4,128 | = |
| Current assets29/58 | €55,726 | €61,847 | €189,478 | €85,373 | €110,693 | €105,461 | €148,195 | €153,195 | ▲ 3.4% |
| Stocks and contracts in progress3 | €30,452 | €32,652 | €25,880 | €25,880 | €31,268 | €24,337 | €43,505 | €50,773 | ▲ 16.7% |
| Stocks30/36 | - | - | - | €25,880 | €31,268 | €24,337 | €43,505 | €50,773 | ▲ 16.7% |
| Amounts receivable within one year40/41 | €9,777 | €14,637 | €59,852 | €51,192 | €51,588 | €44,627 | €78,371 | €93,672 | ▲ 19.5% |
| Trade receivables40 | - | - | - | €36,771 | €32,948 | €25,969 | €49,207 | €71,500 | ▲ 45.3% |
| Other amounts receivable41 | - | - | - | €14,421 | €18,640 | €18,658 | €29,164 | €22,172 | ▼ 24.0% |
| Cash at bank and in hand54/58 | €14,998 | €13,980 | €102,976 | €7,588 | €24,898 | €35,456 | €24,311 | €6,537 | ▼ 73.1% |
| Deferred charges and accrued income490/1 | - | - | - | €713 | €2,940 | €1,041 | €2,008 | €2,213 | ▲ 10.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €61,191 | €70,265 | €202,696 | €96,197 | €119,398 | €113,937 | €155,496 | €177,678 | ▲ 14.3% |
| Equity10/15 | €31,229 | €25,404 | €109,620 | €31,344 | €42,033 | €7,973 | -€6,744 | €2,112 | - |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €722 | €722 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €24,306 | €18,481 | €101,560 | €23,284 | €33,973 | -€87 | -€14,804 | -€5,948 | ▲ 59.8% |
| Amounts payable17/49 | €29,962 | €44,862 | €93,076 | €64,853 | €77,365 | €105,964 | €162,240 | €175,565 | ▲ 8.2% |
| Amounts payable within one year42/48 | €29,962 | €44,862 | €93,076 | €64,853 | €77,365 | €105,964 | €162,240 | €173,850 | ▲ 7.2% |
| Trade debts44 | €7,186 | €21,461 | €49,328 | €32,509 | €52,725 | €65,454 | €112,621 | €121,280 | ▲ 7.7% |
| Suppliers440/4 | - | - | - | €32,509 | €52,725 | €65,454 | €112,621 | €121,280 | ▲ 7.7% |
| Taxes, remuneration and social security45 | - | - | - | €12,731 | €5,550 | €14,151 | €17,319 | €19,767 | ▲ 14.1% |
| Taxes450/3 | - | - | - | €12,231 | €5,050 | €12,524 | €3,628 | €2,726 | ▼ 24.9% |
| Remuneration and social security454/9 | - | - | - | €500 | €500 | €1,627 | €13,691 | €17,041 | ▲ 24.5% |
| Other amounts payable47/48 | - | - | - | €19,613 | €19,091 | €26,359 | €32,300 | €32,804 | ▲ 1.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | - | €1,715 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€26,353 | -€5,825 | €84,217 | -€78,276 | €10,689 | -€34,059 | -€14,717 | €8,856 | - |
| + Depreciation and write-downs630 | €875 | €847 | €1,472 | €2,394 | €2,119 | €2,056 | €1,175 | €1,082 | ▼ 7.9% |
| Operating cash flow (approximation) | -€25,478 | -€4,978 | €85,689 | -€75,882 | €12,808 | -€32,003 | -€13,542 | €9,938 | - |
| Investment in fixed assets (approximation) | - | -€3,800 | -€6,272 | €0 | €0 | -€1,827 | €0 | -€18,263 | - |
| Change in cash | - | -€1,018 | €88,996 | -€95,387 | €17,310 | €10,558 | -€11,145 | -€17,773 | ▼ 59.5% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (9)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 05-08-2026 | 2026-00386032 | NBB |
| 31-12-2024 | micro format | 06-08-2025 | 2025-00364525 | |
| 31-12-2023 | micro format | 27-08-2024 | 2024-00385669 | |
| 31-12-2022 | micro format | 27-09-2023 | 2023-00458544 | |
| 31-12-2021 | micro format | 08-06-2022 | 2022-20055989 | |
| 31-12-2020 | micro format | 22-07-2021 | 2021-38300189 | |
| 31-12-2019 | micro format | 06-08-2020 | 2020-39500259 | |
| 31-12-2018 | micro format | 14-05-2019 | 2019-13000379 | |
| 31-12-2017 | micro format | 03-07-2018 | 2018-27500134 |
Board & ownership
Directors
Owners and capital
Shareholders
- DEMAEGHT Vincianne,Rose,Marie all shares
Capital transactions
- 23-11-2023 Converted to unavailable equity · €6,200
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| DEMAEGHT Vincianne,Rose,Marie |
|
| TROMBETTA Claudia |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Rémunération des administrateurs, à occasion de chaque nomination,assemblée générale décide si mandat exercé gratuitement”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, 42”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “43, quelque cause et moment”
Articles of association, deed of 23-11-2023 (in French)
Network & group
CA INSIDE shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of CA INSIDE. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
23-11
Gazette deed
Change of role: DEMAEGHT Vincianne,Rose,Marie, from manager to directorShareholding · Capital conversion · Amendment of the articles12 points ▸
- General meeting, 21-11-2023
- DEMAEGHT Vincianne,Rose,Marie holds all the shares
- Other provision, “adaptation statuts au CSA et maintien forme SRL, adapter statuts et conserver forme société à responsabilité limitée en abrégé SRL” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “unanimité, suppression compte capitaux propres statutairement indisponible” (deed in French)
- Amendment of the articles
- Power of attorney, Arnaud Debouche
- Registered office clause, “Namur (5100 Jambes),avenue Bourgmestre Jean Materne,189” (deed in French)
- Director resignation, DEMAEGHT Vincianne,Rose,Marie (manager)
- Director appointment, DEMAEGHT Vincianne,Rose,Marie (director (not named in the articles))
- Director discharge, DEMAEGHT Vincianne,Rose,Marie (gérant démissionnaire)
- Power of attorney
09-11
Gazette deed
Resignation: TROMBETTA Claudia (co gérante)2 points ▸
- General meeting, 03-10-2023
- Director resignation, TROMBETTA Claudia (co gérante)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0838.862.037
Financial year and general meeting
Accounts at the NBBSites & property
This address was not found in the Belgian address register (BOSA BEST).
Av. du Bourg. Jean Materne(JB) 1895100 Namur