Summary
CARAF is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €161k and a net result of €156k. Its solvency ranks better than 60% of 8048 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€161k
Net result
€156k
Total assets
€257k
Solvency
62.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €257k
Equity
€161k
Debt
€95k
Debt finances 37.2% of the balance-sheet total.
Key figures and ratios
ROE
96.9%
ROA
60.9%
Debt ≤ 1 year
€95k
Income taxes
€67k
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet
Code2025
Assets
Total assets20/58€257k
Current assets29/58€257k
Amounts receivable within one year40/41€82k
Trade receivables40€30k
Other amounts receivable41€52k
Cash at bank and in hand54/58€174k
Equity and liabilities
Total equity and liabilities10/49€257k
Equity10/15€161k
Contributions10/11€5k
Outside capital11€5k
Other1109/19€5k
Reserves13€156k
Distributable reserves133€156k
Amounts payable17/49€95k
Amounts payable within one year42/48€95k
Trade debts44€19k
Suppliers440/4€19k
Taxes, remuneration and social security45€76k
Taxes450/3€76k
Income statement
Code2025
Other operating charges640/8€872
Gross operating margin9900€224k
Operating profit (loss)9901€223k
Financial income75/76B€324
Recurring financial income75€324
Financial charges65/66B€192
Recurring financial charges65€192
Profit (loss) for the period before taxes9903€223k
Income taxes67/77€67k
Profit (loss) for the period9904€156k
Profit (loss) for the period to be appropriated9905€156k
Appropriation of the result
Profit (loss) to be appropriated9906€156k
Transfer to equity691/2€156k
To other reserves6921€156k
Accounts by statement
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €872 |
| Gross operating margin9900 | €224k |
| Operating profit (loss)9901 | €223k |
| Financial income75/76B | €324 |
| Recurring financial income75 | €324 |
| Financial charges65/66B | €192 |
| Recurring financial charges65 | €192 |
| Profit (loss) for the period before taxes9903 | €223k |
| Income taxes67/77 | €67k |
| Profit (loss) for the period9904 | €156k |
| Profit (loss) for the period to be appropriated9905 | €156k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €257k | |
| Current assets29/58 | €257k | |
| Amounts receivable within one year40/41 | €82k | |
| Trade receivables40 | €30k | |
| Other amounts receivable41 | €52k | |
| Cash at bank and in hand54/58 | €174k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €257k | |
| Equity10/15 | €161k | |
| Contributions10/11 | €5k | |
| Outside capital11 | €5k | |
| Other1109/19 | €5k | |
| Reserves13 | €156k | |
| Distributable reserves133 | €156k | |
| Amounts payable17/49 | €95k | |
| Amounts payable within one year42/48 | €95k | |
| Trade debts44 | €19k | |
| Suppliers440/4 | €19k | |
| Taxes, remuneration and social security45 | €76k | |
| Taxes450/3 | €76k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €156k |
| Operating cash flow (approximation) | €156k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Gavere · 1 establishment unit since 2023
Ground area
637 m²
Building footprint
155 m²
Volume, LiDAR
1 m³
Parcel 44016B1131/00V000, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Gemeentehuisstraat 8C, 9890 Gavere
since 20232.352.754.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1131/00V000 | Flanders | 637 m² | 1 · 155 m² | 0.3 m |
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
V.L. CONSULTANCY
BE 0810.831.116
Koksijde · Eq €161,263
PLATOCO
BE 1004.586.141
Stabroek · Eq €161,188
STEF VETS & Co
BE 0737.766.855
Balen · Eq €161,143
BEELE-DRIEGHE
BE 0645.886.376
Kortrijk · Eq €161,332
RIGU
BE 0736.457.454
Zonhoven · Eq €161,113
Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 13,347 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
Founded21-11-2023
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.