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CARA

Active
Private limited companyfounded 20233 yrs activeDe Drij Dreven 16, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0798.483.808
Summary

CARA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €118,719 and a net result of €36,921. Its solvency ranks better than 77% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability100=
Solvency100▲+7
Growth52
Track record94
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 4.93 against 3.06 in 2023; short-term debt: 18.7% and cash: 30.6% of total assets), and 18.7% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
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 23-06-2025, 38 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

CARA was incorporated on 15 February 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€118,719▲ 45.1%
2023 · €81,798
Total assets
€146,097▲ 21.4%
2023 · €120,390
Net result
€36,921▼ 53.1%
2023 · €78,798
Working capital
€107,462▲ 35.5%
2023 · €79,331
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€101,979-€50,706▼ 50.3%
Net result€78,798above the sector's middle half-€36,921within the sector's middle half▼ 53.1%
Equity€81,798within the sector's middle half-€118,719within the sector's middle half▲ 45.1%
Total assets€120,390within the sector's middle half-€146,097within the sector's middle half▲ 21.4%
Debt€38,592-€27,378▼ 29.1%
Working capital€79,331-€107,462▲ 35.5%
Solvency67.9%within the sector's middle half-81.3%above the sector's middle half▲ 13.3pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000Operating result 2023: €101,979€101,979Net result 2023: €78,798€78,798Operating result 2024: €50,706€50,706Net result 2024: €36,921€36,92120232024€0€50,000€100,000Operating result 2023: €101,979€102,000Net result 2023: €78,798€78,800Operating result 2024: €50,706€50,700Net result 2024: €36,921€36,90020232024
The operating result falls in 2024; 2024 is 50% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €146,097
Fixed assets €11,257 ▲ 356%
Current assets €134,840 ▲ 14.3%
Equity and liabilities €146,097
Equity €118,719 ▲ 45.1%
Debt €27,378 ▼ 29.1%
Debt's share of the balance-sheet total falls from 32.1% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€51,741▼
2023 · €102,177
Cash flow
€37,957▼
2023 · €78,995
Current ratio
4.93▲
2023 · 3.06
Debt to equity
0.23▼
2023 · 0.47
ROE
31.1%▼
2023 · 96.3%
ROA
25.3%▼
2023 · 65.5%
Interest coverage
16.93▼
2023 · 96.87
Debt ≤ 1 year
€27,378▼
2023 · €38,592
Income taxes
€11,651▼
2023 · €22,128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet Code20232024
Assets
Total assets20/58€120,390€146,097▲
Fixed assets21/28€2,466€11,257▲
Tangible fixed assets22/27€2,466€11,257▲
Plant, machinery and equipment23€1,139€896▼
Furniture and vehicles24€1,327€10,361▲
Current assets29/58€117,924€134,840▲
Amounts receivable within one year40/41€24,288€22,114▼
Trade receivables40€24,281€22,029▼
Other amounts receivable41€7€85▲
Current investments50/53€25,000€65,000▲
Cash at bank and in hand54/58€68,373€44,753▼
Deferred charges and accrued income490/1€262€2,973▲
Equity and liabilities
Total equity and liabilities10/49€120,390€146,097▲
Equity10/15€81,798€118,719▲
Contributions10/11€3,000€3,000=
Reserves13€78,798€115,719▲
Distributable reserves133€78,798€115,719▲
Amounts payable17/49€38,592€27,378▼
Amounts payable within one year42/48€38,592€27,378▼
Financial debts43€335€1,903▲
Credit institutions430/8€335€0▼
Other loans439-€1,903
Trade debts44€3,316€3,998▲
Suppliers440/4€3,316€3,998▲
Taxes, remuneration and social security45€34,813€21,312▼
Taxes450/3€34,813€21,312▼
Other amounts payable47/48€129€165▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€198€1,036▲
Other operating charges640/8€200€1,726▲
Gross operating margin9900€102,377€53,467▼
Operating profit (loss)9901€101,979€50,706▼
Financial income75/76B€1€923▲
Recurring financial income75€1€923▲
Financial charges65/66B€1,055€3,056▲
Recurring financial charges65€1,055€3,056▲
Profit (loss) for the period before taxes9903€100,925€48,573▼
Income taxes67/77€22,128€11,651▼
Profit (loss) for the period9904€78,798€36,921▼
Profit (loss) for the period to be appropriated9905€78,798€36,921▼
Appropriation of the result
Profit (loss) to be appropriated9906€78,798€36,921▼
Transfer to equity691/2€78,798€36,921▼
To other reserves6921€78,798€36,921▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€198€1,036▲ 424%
Other operating charges640/8€200€1,726▲ 762%
Gross operating margin9900€102,377€53,467▼ 47.8%
Operating profit (loss)9901€101,979€50,706▼ 50.3%
Financial income75/76B€1€923▲ 98,138%
Recurring financial income75€1€923▲ 98,138%
Financial charges65/66B€1,055€3,056▲ 190%
Recurring financial charges65€1,055€3,056▲ 190%
Profit (loss) for the period before taxes9903€100,925€48,573▼ 51.9%
Income taxes67/77€22,128€11,651▼ 47.3%
Profit (loss) for the period9904€78,798€36,921▼ 53.1%
Profit (loss) for the period to be appropriated9905€78,798€36,921▼ 53.1%
Line20232024Change
Assets
Total assets20/58€120,390€146,097▲ 21.4%
Fixed assets21/28€2,466€11,257▲ 356%
Tangible fixed assets22/27€2,466€11,257▲ 356%
Plant, machinery and equipment23€1,139€896▼ 21.4%
Furniture and vehicles24€1,327€10,361▲ 681%
Current assets29/58€117,924€134,840▲ 14.3%
Amounts receivable within one year40/41€24,288€22,114▼ 9.0%
Trade receivables40€24,281€22,029▼ 9.3%
Other amounts receivable41€7€85▲ 1,097%
Current investments50/53€25,000€65,000▲ 160%
Cash at bank and in hand54/58€68,373€44,753▼ 34.5%
Deferred charges and accrued income490/1€262€2,973▲ 1,034%
Equity and liabilities
Total equity and liabilities10/49€120,390€146,097▲ 21.4%
Equity10/15€81,798€118,719▲ 45.1%
Contributions10/11€3,000€3,000=
Reserves13€78,798€115,719▲ 46.9%
Distributable reserves133€78,798€115,719▲ 46.9%
Amounts payable17/49€38,592€27,378▼ 29.1%
Amounts payable within one year42/48€38,592€27,378▼ 29.1%
Financial debts43€335€1,903▲ 469%
Credit institutions430/8€335€0▼ 100%
Other loans439-€1,903-
Trade debts44€3,316€3,998▲ 20.6%
Suppliers440/4€3,316€3,998▲ 20.6%
Taxes, remuneration and social security45€34,813€21,312▼ 38.8%
Taxes450/3€34,813€21,312▼ 38.8%
Other amounts payable47/48€129€165▲ 28.1%
Line20232024Change
Profit (loss) for the period9904€78,798€36,921▼ 53.1%
+ Depreciation and write-downs630€198€1,036▲ 424%
Operating cash flow (approximation)€78,995€37,957▼ 52.0%
Investment in fixed assets (approximation)--€9,826-
Change in cash--€23,620-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
23-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
03-04
State Gazette act General meeting · Approval
Capital increase · Capital
19-02
State Gazette act General meeting · Approval
Capital increase · Share issue
2024
31-12
Financial Equity above €100,000Eq €118,719 ▲45.1%
2 profitable years in a row build equity to €118,719.
24-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
1,467 m²
Building footprint
268 m²
Volume, LiDAR
1,458 m³
Parcel 71065A1200/00F000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARA
De Drij Dreven 16, 3550 Heusden-ZolderFinancial service activities, except insurance and pension funding
since 20232.341.919.597
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71065A1200/00F000 Flanders 1,467 m² 1 · 268 m² 9.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 40,858 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded15-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0798483808
Also 9925:BE0798483808
Registered 16-04-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.