Debts
€623,477 89% of the balance sheet
Financial debts 86%Suppliers 0%Taxes and wages 1%Other 13%
Of this, €89,664 falls due within a year.
CARA
Lifetime
17 annual accounts with figures on one time axispeak €201,968 (2016)
€62,535▼ 9.6%
lowest -€104,597 (2009)
-€12,078▼ €35,864
peak €92,618 (2021)
€80,493▼ 13.0%
€623,477▲ 54.2%
peak 5 FTE (2014)
-not published
Board2 names since 2021
2 directorsCALLEBERT Dave and 1 other
Owners3 names in the annual accounts
Documentsfilings and deeds
25-06-202636 days before the deadline
2025financial year
Loss of €12,078Equity from €92,571 to €80,493Debts from €404,215 to €623,477Investments €90,752Cash from €14,699 to €88,972
Key points
from the 2025 annual accountsChecked score
86
Excellent
Financially stronger than 42% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.4%▼ -0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.4%▼ -0.1 percentage points vs 05-2026
07-2026: 0.3%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 0.3%● unchanged vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Equity €80,493 (11.4% of total assets)
Sector: Retail trade (NACE 47)
lowers risk
Size: total assets €703,970
Figures for financial year 2025 (filed on 25-06-2026)
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 47, micro). It does better than 28% of them on solvency, 71% on liquidity, 47% on profitability and 24% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 1,423 companies had the same profile as CARA has now. Each dot stands for 4 companies, two years later.
96.5%
were still trading
2.2%
stopped another way
1.0%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CARA itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 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 1,423 companies, not a prediction for CARA. 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.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.03 (0.64 in 2024), above the usual 1.5. Short-term debt is 12.7% and cash 12.6% of total assets. However, 88.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 5068 sector peers (2025).
NBB · sector comparisonPosition among 5068 sector peers
Solvency
better than 22%
← weakest
strongest →
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 days early
2024
3 days early
2023
1 day early
2022
14 days early
2021
12 days early
2020
39 days early
2019
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 20 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Ilse Ramon 50%annual accounts 2023
- Eline Vyaene 40%annual accounts 2023
- Dave Callebert 10%annual accounts 2023
Shares in 1 company, Nagel- & beautystudio CARA
Board & ownershipRecent changes
Reappointments: RAMON Ilse (director) and CALLEBERT Dave (director)
“Financiële audit; Organisatie en administratieve en financiële ondersteuning van bedrijven; Administratieve…” (deed in Dutch) · General meeting of 15-01-2024 · Gazette deed
Registered office moved within Roeselare
New registered office: Brugsesteenweg 306 8800 ROESELARE · Previous registered office: Onledegoedstraat 2A 12 8800 ROESELARE · General meeting of 28-02-2022 · Gazette deed
Environmental permit granted
Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Roeselare
First establishment
Brugsesteenweg 306, Roeselare
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CARA Roeselare | €703,970 | €62,535 | 11.4% | - |
| CHINACURE Alken | €439,958 | €74,491 | -18.7% | - |
| MUDO TRADING Schaerbeek | €596,008 | €84,772 | 39.0% | - |
| BIO SHOP BORNEM Puurs-Sint-Amands | €513,900 | €131,610 | 70.2% | - |
| NEW BRAND PERFUMES Wemmel | €992,487 | €33,586 | 18.5% | - |
| MARC TREMBLEZ Gesves | €480,835 | €80,250 | 70.0% | - |
| INTER RENOO Ghent | €457,738 | €57,826 | 11.6% | - |
These companies have the same main activity as CARA: retail sale of cosmetics and toilet articles (NACE 47750). They are comparable in size and age: total assets between €440,000 and €992,000, founded between 2000 and 2009.
Official details
Source: KBO- Status
- Active since 17-07-2008Normal situation
- Activity
- Retail sale of cosmetics and toilet articlesNACE 47750
- Joint committee
- 314Hairdressing and beauty care · annual accounts 2023
- Establishment unit
- 2.172.565.8148800 Roeselare, since 22-07-2008
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- ≈ €300,000estimated
- €703,970▲ 41.7%
- ≈ 0.1 FTEestimated
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on CARA
Solvency fell in 2025 from 18.6% to 11.4% because of the loss and higher long-term debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CARA
- What is the company number of CARA?
- The company number of CARA is 0899.403.794. The VAT number is the same number with BE in front: BE 0899.403.794.
- Where is CARA based?
- The registered office is at Brugsesteenweg 306, 8800 Roeselare.Company details
- What does CARA do?
- According to the KBO register, the main activity is retail sale of cosmetics and toilet articles (NACE 47750).
- What is the legal form of CARA?
- CARA is a private limited company (BV).
- When was CARA founded?
- CARA was founded on 17-07-2008.
- Is CARA still active?
- Yes, CARA is an active enterprise in the KBO register.
- How many employees does CARA have?
- CARA had an average of 1 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- Which joint committee does CARA fall under?
- In its 2023 annual accounts, CARA states joint committee 314 (Hairdressing and beauty care).
- What is the turnover of CARA?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €62,535 and 74 comparable companies (NACE 477). It probably lies between €150,000 and €440,000. In financial year 2024 turnover was €132,001.
- Is CARA profitable?
- In financial year 2025, CARA made a loss of €12,078.
- Where can I find the annual accounts of CARA?
- CARA filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CARA due?
- CARA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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