CARAC
ActiveCARAC has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278k and a net result of €4k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-2
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 36.55 against 18.38 in 2024), and 2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
98%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 11-03-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
15 d early
2023
5 d early
2021
2 d late
2020
33 d early
2019
23 d early
2018
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close12-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€278k▲ 1.6%
2024 · €274k
2018: €226k
2019: €241k
2020: €247k
2021: €258k
2023: €268k
2024: €274k
2018 → 2025
Total assets
€284k▼ 0.3%
2024 · €285k
2018: €238k
2019: €290k
2020: €283k
2021: €280k
2023: €270k
2024: €285k
2018 → 2025
Net result
€4k▼ 21.8%
2024 · €6k
2018: €10k
2019: €16k
2020: €5k
2021: €11k
2023: €10k
2024: €6k
2018 → 2025
Working capital
€203k▲ 7.7%
2024 · €188k
2018: €173k
2019: €151k
2020: €145k
2021: €164k
2023: €175k
2024: €188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€247k-€258k▲ 4.6%€268k▲ 4.0%€274k▲ 2.1%€278k▲ 1.6%
Operating result€14k-€17k▲ 23.0%€18k▲ 3.0%€11k▼ 36.4%€6k▼ 46.6%
Net result€5k-€11k▲ 122%€10k▼ 10.0%€6k▼ 45.3%€4k▼ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€76k▼ 11.7%
Current assets
€208k▲ 4.7%
Equity and liabilities €284k
Equity
€278k▲ 1.6%
Debt
€6k▼ 47.4%
The debt ratio falls from 3.8% to 2.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€21k▼
2024 · €25k
Cash flow
€19k▼
2024 · €19k
Solvency
98.0%▲
2024 · 96.2%
Current ratio
36.55▲
2024 · 18.38
Quick ratio
36.55▲
2024 · 18.38
Debt / equity
0.02▼
2024 · 0.04
ROE
1.6%▼
2024 · 2.1%
ROA
1.5%▼
2024 · 2.0%
Interest coverage
115.26▲
2024 · 104.39
Debt
€6k▼
2024 · €11k
Debt ≤ 1 year
€6k▼
2024 · €11k
Income taxes
€2k▼
2024 · €5k
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€285k€284k▼
Fixed assets21/28€86k€76k▼
Tangible fixed assets22/27€86k€76k▼
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€21k€21k▼
Furniture and vehicles24€59k€51k▼
Financial fixed assets28€50€50=
Current assets29/58€199k€208k▲
Amounts receivable within one year40/41€44k€31k▼
Trade receivables40€16k€5k▼
Other amounts receivable41€28k€26k▼
Current investments50/53€87k€87k=
Cash at bank and in hand54/58€68k€91k▲
Equity and liabilities
Total equity and liabilities10/49€285k€284k▼
Equity10/15€274k€278k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€255k€260k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€253k€258k▲
Amounts payable17/49€11k€6k▼
Amounts payable within one year42/48€11k€6k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€26k€22k▼
Operating profit (loss)9901€11k€6k▼
Financial income75/76B€53€762▲
Recurring financial income75€53€762▲
Financial charges65/66B€239€180▼
Recurring financial charges65€239€180▼
Profit (loss) for the period before taxes9903€11k€7k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€4k▼
Transfer to equity691/2€6k€4k▼
To other reserves6921€6k€4k▼
The notes to these accounts (5 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
Financial
Weakest financial yearnet €4k ▼21.8%
Net result drops to €4k, the lowest in the series.
16-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
Financial
Liquidity times 9current ratio 81.09
Current ratio from 8.99 to 81.09; short-term debt falls from €20k to €2k.
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
28-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €16k ▲60%
Net result €16k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
20-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 1993
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.
Magergoedhof 179041 GentGround area
143 m²
Building footprint
93 m²
Volume, LiDAR
469 m³
Parcel 44051B0639/00V000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Magergoedhof 17, 9041 Gent
since 19932.232.737.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B0639/00V000 | Flanders | 143 m² | 1 · 93 m² | 7.5 m · 2 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.
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Fiduciaire D. De Boeck
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,096 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-1993
Fiscal year end31-08
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.