CAERTS EN CAERTS
ActiveCAERTS EN CAERTS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €16k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 89% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+23
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 2.25 in 2024), and 17.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
82.5%
Return on assets
8.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
27 d late
2022
24 d late
2021
2 d early
2020
30 d late
2019
94 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€163k▲ 6.0%
2024 · €154k
2018: €176k
2019: €185k
2020: €192k
2021: €194k
2022: €180k
2023: €154k
2024: €154k
2018 → 2025
Total assets
€197k▲ 3.7%
2024 · €190k
2018: €204k
2019: €220k
2020: €227k
2021: €239k
2022: €221k
2023: €201k
2024: €190k
2018 → 2025
Net result
€16k▲ 95.4%
2024 · €8k
2018: €13k
2019: €9k
2020: €7k
2021: €2k
2022: €-15k
2023: €-14k
2024: €8k
2018 → 2025
Working capital
€68k▲ 48.9%
2024 · €46k
2018: €3k
2019: €24k
2020: €43k
2021: €53k
2022: €46k
2023: €33k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€180k▼ 7.5%€154k▼ 14.4%€154k▼ 0.1%€163k▲ 6.0%
Operating result€6k-€-12k€-11k▲ 4.3%€11k€20k▲ 78.3%
Net result€2k-€-15k€-14k▲ 4.5%€8k€16k▲ 95.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 78% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€95k▼ 12.1%
Current assets
€102k▲ 24.5%
Equity and liabilities €197k
Equity
€163k▲ 6.0%
Debt
€34k▼ 5.9%
The debt ratio falls from 19.2% to 17.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▲
2024 · €24k
Cash flow
€29k▲
2024 · €21k
Solvency
82.5%▲
2024 · 80.8%
Current ratio
2.97▲
2024 · 2.25
Quick ratio
2.97▲
2024 · 2.25
Debt / equity
0.21▼
2024 · 0.24
ROE
10.0%▲
2024 · 5.4%
ROA
8.2%▲
2024 · 4.4%
Interest coverage
28.89▲
2024 · 11.02
Debt
€34k▼
2024 · €37k
Debt ≤ 1 year
€34k▼
2024 · €37k
Income taxes
€3k▲
2024 · €894
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€190k€197k▲
Fixed assets21/28€108k€95k▼
Tangible fixed assets22/27€58k€45k▼
Land and buildings22€58k€45k▼
Financial fixed assets28€50k€50k=
Current assets29/58€82k€102k▲
Amounts receivable within one year40/41€28k€46k▲
Trade receivables40€0-
Other amounts receivable41€28k€46k▲
Cash at bank and in hand54/58€54k€48k▼
Deferred charges and accrued income490/1-€8k
Equity and liabilities
Total equity and liabilities10/49€190k€197k▲
Equity10/15€154k€163k▲
Contributions10/11€19k€19k=
Reserves13€135k€144k▲
Distributable reserves133€135k€144k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€37k€34k▼
Amounts payable within one year42/48€37k€34k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€27k€26k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€5k€2k▼
Gross operating margin9900€29k€35k▲
Operating profit (loss)9901€11k€20k▲
Financial income75/76B€314€427▲
Recurring financial income75€314€427▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€9k€19k▲
Income taxes67/77€894€3k▲
Profit (loss) for the period9904€8k€16k▲
Profit (loss) for the period to be appropriated9905€8k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€16k▲
Transfer from equity791/2€9k€7k▼
Transfer to equity691/2€8k€16k▲
To other reserves6921€8k€16k▲
Profit to be distributed694/7€9k€7k▼
Return on contributions (dividend)694€9k€7k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €16k ▲95.4%
Net result €16k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼709%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Haacht · 1 establishment unit since 1991
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.
Beverdijk 67A3150 HaachtGround area
3,654 m²
Building footprint
472 m²
Volume, LiDAR
1,416 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GAMIN-GAMINE
since 19912.055.353.091
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0235/00W010 | Flanders | 1,970 m² | 1 · 199 m² | - |
| 24033E0172/00W000 | Flanders | 1,684 m² | 1 · 273 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
A.D.A.
BE 0428.289.642
Etterbeek · Eq €163k
SENZA
BE 0871.960.219
Herenthout · Eq €164k
YOUR
BE 0888.087.458
Antwerpen · Eq €162k
GK Investments
BE 0840.735.622
Merelbeke-Melle · Eq €165k
HELOU
BE 0416.225.911
Heist-op-den-Berg · Eq €166k
Of 1,268 companies in sector 47512 we hold annual accounts for 579. 482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-1991
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress 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.