CARAMEL
ActiveSummary
CARAMEL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €625,836 and a net result of €71,724. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability82▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 22.13 against 19.18 in 2023; short-term debt: 4.2% and cash: 33.9% of total assets), and 4.2% of the assets are financed with debt.
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Signals
Four 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
95.8%
Return on assets
11%
Age of the figures
21 mo
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 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
33 d early
2022
34 d early
2021
40 d early
2020
23 d early
2019
15 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€625,836▲ 12.9%
2023 · €554,112
Total assets
€653,245▲ 8.8%
2023 · €600,245
Net result
€71,724▲ 5.9%
2023 · €67,736
Working capital
€579,143▲ 4.8%
2023 · €552,516
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€51,248▼ 33.1%€82,498▲ 61.0%€126,991▲ 53.9%€94,069▼ 25.9%€87,025▼ 7.5%
Net result€35,762▼ 3.5%€57,210▲ 60.0%€87,564▲ 53.1%€67,736▼ 22.6%€71,724▲ 5.9%
Equity€341,602▲ 5.2%€398,812▲ 16.7%€486,376▲ 22.0%€554,112▲ 13.9%€625,836▲ 12.9%
Total assets€515,145▲ 2.5%€565,335▲ 9.7%€580,606▲ 2.7%€600,245▲ 3.4%€653,245▲ 8.8%
Debt€173,543▼ 2.6%€166,523▼ 4.0%€94,230▼ 43.4%€46,133▼ 51.0%€27,408▼ 40.6%
Working capital€366,268▲ 4.6%€430,476▲ 17.5%€503,649▲ 17.0%€552,516▲ 9.7%€579,143▲ 4.8%
Staff (FTE)1.11▼ 9.1%1=1=1=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 7% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €653,245
Fixed assets
€46,693 ▲ 169%
Current assets
€606,551 ▲ 4.1%
Equity and liabilities €653,245
Equity
€625,836 ▲ 12.9%
Debt
€27,408 ▼ 40.6%
Debt's share of the balance-sheet total falls from 7.7% to 4.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€96,322▲
2023 · €95,712
Cash flow
€81,021▲
2023 · €69,380
Current ratio
22.13▲
2023 · 19.18
Quick ratio
20.65▲
2023 · 18.45
Debt to equity
0.04▼
2023 · 0.08
ROE
11.5%▼
2023 · 12.2%
ROA
11.0%▼
2023 · 11.3%
Interest coverage
104.40▼
2023 · 136.59
Debt ≤ 1 year
€27,408▼
2023 · €30,388
Income taxes
€24,541▼
2023 · €26,843
Staff costs
€34,689▲
2023 · €25,144
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €9,717 | €27,686 | €25,144 | €34,689 | ▲ 38.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,532 | €12,589 | €11,882 | €1,644 | €9,297 | ▲ 466% |
| Other operating charges640/8 | - | €451 | €452 | €1,810 | €3,167 | ▲ 75.0% |
| Gross operating margin9900 | €107,414 | €105,255 | €167,010 | €122,666 | €134,178 | ▲ 9.4% |
| Operating profit (loss)9901 | €51,248 | €82,498 | €126,991 | €94,069 | €87,025 | ▼ 7.5% |
| Financial income75/76B | - | - | - | €1,211 | €10,163 | ▲ 739% |
| Recurring financial income75 | - | - | - | €1,211 | €10,163 | ▲ 739% |
| Financial charges65/66B | - | €837 | €1,042 | €701 | €923 | ▲ 31.7% |
| Recurring financial charges65 | €838 | €837 | €1,042 | €701 | €923 | ▲ 31.7% |
| Profit (loss) for the period before taxes9903 | €50,410 | €81,661 | €125,949 | €94,579 | €96,265 | ▲ 1.8% |
| Income taxes67/77 | €14,648 | €24,451 | €38,385 | €26,843 | €24,541 | ▼ 8.6% |
| Profit (loss) for the period9904 | €35,762 | €57,210 | €87,564 | €67,736 | €71,724 | ▲ 5.9% |
| Profit (loss) for the period to be appropriated9905 | €35,762 | €57,210 | €87,564 | €67,736 | €71,724 | ▲ 5.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €515,145 | €565,335 | €580,606 | €600,245 | €653,245 | ▲ 8.8% |
| Fixed assets21/28 | €30,601 | €19,474 | €13,883 | €17,341 | €46,693 | ▲ 169% |
| Tangible fixed assets22/27 | €30,601 | €19,474 | €13,883 | €14,341 | €43,693 | ▲ 205% |
| Land and buildings22 | - | €6,492 | €11,644 | €12,622 | €33,481 | ▲ 165% |
| Plant, machinery and equipment23 | - | €1,418 | €2,239 | €1,720 | €10,212 | ▲ 494% |
| Furniture and vehicles24 | - | €11,564 | - | - | - | - |
| Financial fixed assets28 | - | - | - | €3,000 | €3,000 | = |
| Current assets29/58 | €484,544 | €545,861 | €566,723 | €582,904 | €606,551 | ▲ 4.1% |
| Stocks and contracts in progress3 | €30,412 | €38,389 | €48,223 | €22,368 | €40,441 | ▲ 80.8% |
| Stocks30/36 | - | €38,389 | €48,223 | €22,368 | €40,441 | ▲ 80.8% |
| Amounts receivable within one year40/41 | €7,986 | €14,920 | €1,615 | €18,157 | €5,459 | ▼ 69.9% |
| Other amounts receivable41 | - | €14,920 | €1,615 | €18,157 | €5,459 | ▼ 69.9% |
| Current investments50/53 | - | - | - | €300,000 | €325,000 | ▲ 8.3% |
| Cash at bank and in hand54/58 | €430,218 | €474,554 | €501,274 | €227,079 | €221,261 | ▼ 2.6% |
| Deferred charges and accrued income490/1 | - | €17,998 | €15,611 | €15,300 | €14,391 | ▼ 5.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €515,145 | €565,335 | €580,606 | €600,245 | €653,245 | ▲ 8.8% |
| Equity10/15 | €341,602 | €398,812 | €486,376 | €554,112 | €625,836 | ▲ 12.9% |
| Contributions10/11 | - | €8,592 | €8,592 | €8,592 | €8,592 | = |
| Reserves13 | €333,010 | €390,220 | €477,784 | €545,520 | €617,244 | ▲ 13.1% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €388,361 | €475,925 | €543,661 | €615,385 | ▲ 13.2% |
| Amounts payable17/49 | €173,543 | €166,523 | €94,230 | €46,133 | €27,408 | ▼ 40.6% |
| Amounts payable after more than one year17 | €55,268 | €51,101 | €31,155 | €15,745 | - | - |
| Financial debts170/4 | - | €51,101 | €31,155 | €15,745 | - | - |
| Amounts payable within one year42/48 | €118,276 | €115,385 | €63,074 | €30,388 | €27,408 | ▼ 9.8% |
| Current portion of amounts payable after more than one year42 | - | €10,000 | €5,833 | - | - | - |
| Trade debts44 | €66,638 | €80,721 | €29,713 | €9,691 | €3,016 | ▼ 68.9% |
| Suppliers440/4 | - | €80,721 | €29,713 | €9,691 | €3,016 | ▼ 68.9% |
| Taxes, remuneration and social security45 | - | €24,663 | €27,528 | €20,697 | €16,878 | ▼ 18.4% |
| Taxes450/3 | - | €24,663 | €27,528 | €20,697 | €16,878 | ▼ 18.4% |
| Other amounts payable47/48 | - | - | - | - | €7,515 | - |
| Accrued charges and deferred income492/3 | - | €37 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,762 | €57,210 | €87,564 | €67,736 | €71,724 | ▲ 5.9% |
| + Depreciation and write-downs630 | €20,532 | €12,589 | €11,882 | €1,644 | €9,297 | ▲ 466% |
| Operating cash flow (approximation) | €56,293 | €69,798 | €99,446 | €69,380 | €81,021 | ▲ 16.8% |
| Investment in fixed assets (approximation) | - | -€1,461 | -€6,291 | -€5,102 | -€38,649 | ▼ 657% |
| Change in cash | - | €44,336 | €26,719 | -€274,194 | -€5,819 | ▲ 97.9% |
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
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 19.18
Current ratio from 8.99 to 19.18; short-term debt falls from €63,074 to €30,388.
31-12
Financial
Equity above €500,000Eq €554,112 ▲13.9%
6 profitable years in a row build equity to €554,112.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €87,564 ▲53.1%
Operating result €126,991, net result €87,564, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Geel · 1 establishment unit since 1989
Ground area
1,090 m²
Building footprint
305 m²
Volume, LiDAR
1,097 m³
Parcel 13374D0603/00L002, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CARAMEL BVBA
since 19892.041.473.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374D0603/00L002 | Flanders | 1,090 m² | 1 · 305 m² | 8.7 m · 1 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.
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 379 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 (pre-2019)
Founded22-12-1988
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
47711Retail sale of women's outerwear
Scores and ratios are computed by Checked and are not a credit decision.