CARAMIDA CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of CARAMIDA CONSTRUCT is 1.7% (moderate). The 2025 annual accounts show equity of €232k and a net result of €5k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 28% of 2176 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-26
Solvency44▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity tight (current ratio 1.19 against 1.16 in 2024; short-term debt: 79.1% and cash: 2% of total assets), and 81.3% 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+raises risk○neutral
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 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
18.7%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
42 d early
2023
28 d late
2022
25 d late
2021
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€232k▲ 2.3%
2024 · €227k
2021: €125k
2022: €227k
2023: €393k
2024: €227k
2021 → 2025
Total assets
€1.25M▼ 5.3%
2024 · €1.32M
2021: €686k
2022: €1.13M
2023: €1.37M
2024: €1.32M
2021 → 2025
Net result
€5k▼ 93.6%
2024 · €82k
2021: €120k
2022: €102k
2023: €166k
2024: €82k
2021 → 2025
Working capital
€188k▲ 15.3%
2024 · €163k
2021: €91k
2022: €174k
2023: €337k
2024: €163k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€227k▲ 81.3%€393k▲ 72.9%€227k▼ 42.2%€232k▲ 2.3%
Operating result€201k-€171k▼ 14.7%€253k▲ 47.6%€125k▼ 50.8%€40k▼ 67.9%
Net result€120k-€102k▼ 15.3%€166k▲ 62.7%€82k▼ 50.6%€5k▼ 93.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 68% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€72k▼ 30.9%
Current assets
€1.17M▼ 3.1%
Equity and liabilities €1.25M
Equity
€232k▲ 2.3%
Debt
€1.01M▼ 6.9%
The debt ratio falls from 82.7% to 81.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▼
2024 · €161k
Cash flow
€44k▼
2024 · €118k
Solvency
18.7%▲
2024 · 17.3%
Current ratio
1.19▲
2024 · 1.16
Quick ratio
0.94▼
2024 · 1.01
Debt / equity
4.36▼
2024 · 4.79
ROE
2.3%▼
2024 · 36.0%
ROA
0.4%▼
2024 · 6.2%
Interest coverage
1.82▼
2024 · 4.03
Debt
€1.01M▼
2024 · €1.09M
Debt ≤ 1 year
€986k▼
2024 · €1.05M
Debt > 1 year
€18k▼
2024 · €40k
Income taxes
€12k▼
2024 · €32k
Staff costs
€789k▲
2024 · €788k
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€1.32M€1.25M▼
Fixed assets21/28€104k€72k▼
Tangible fixed assets22/27€104k€72k▼
Plant, machinery and equipment23€62k€46k▼
Furniture and vehicles24€43k€26k▼
Current assets29/58€1.21M€1.17M▼
Amounts receivable after more than one year29€370k€370k=
Other amounts receivable291€370k€370k=
Stocks and contracts in progress3€151k€245k▲
Stocks30/36-€107k
Contracts in progress37€151k€138k▼
Amounts receivable within one year40/41€536k€513k▼
Trade receivables40€292k€428k▲
Other amounts receivable41€243k€86k▼
Cash at bank and in hand54/58€125k€25k▼
Deferred charges and accrued income490/1€30k€21k▼
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.25M▼
Equity10/15€227k€232k▲
Contributions10/11€5k€5k=
Reserves13€222k€227k▲
Distributable reserves133€222k€227k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.09M€1.01M▼
Amounts payable after more than one year17€40k€18k▼
Financial debts170/4€40k€18k▼
Amounts payable within one year42/48€1.05M€986k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Financial debts43€132k€304k▲
Credit institutions430/8€132k€304k▲
Trade debts44€515k€548k▲
Suppliers440/4€515k€548k▲
Taxes, remuneration and social security45€133k€75k▼
Taxes450/3€30k€1k▼
Remuneration and social security454/9€103k€74k▼
Other amounts payable47/48€248k€37k▼
Accrued charges and deferred income492/3-€10k
Income statement
Code20242025
Remuneration, social security and pensions62€788k€789k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€39k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€955k€875k▼
Operating profit (loss)9901€125k€40k▼
Financial income75/76B€29k€21k▼
Recurring financial income75€29k€21k▼
Financial charges65/66B€40k€43k▲
Recurring financial charges65€40k€43k▲
Profit (loss) for the period before taxes9903€114k€17k▼
Income taxes67/77€32k€12k▼
Profit (loss) for the period9904€82k€5k▼
Profit (loss) for the period to be appropriated9905€82k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€5k▼
Transfer from equity791/2€166k€0▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7€248k€0▼
Return on contributions (dividend)694€248k€0▼
Social balance
Average headcount (FTE)908711.811.3▼
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼93.6%
Net result drops to €5k, the lowest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2021net €166k ▲62.7%
Operating result €253k, net result €166k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
31-12
Financial
Equity above €200kEq €227k ▲81.3%
2 profitable years in a row build equity to €227k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
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, Harelbeke · 1 establishment unit since 2020
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.
Oostrozebeeksestraat 278531 HarelbekeGround area
2,366 m²
Building footprint
1,075 m²
Volume, LiDAR
7,783 m³
Parcel 34017B0504/00G002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Caramida Construct
since 20202.302.449.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34017B0504/00G002 | Flanders | 2,366 m² | 1 · 1,075 m² | 10.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 10,097 EUR awarded · 12,944 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,970 EUR | 2,970 EUR |
| 2023 | 1 | 0 EUR | 2,847 EUR |
| 2022 | 1 | 7,127 EUR | 7,127 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
5 endedSimilar companies · same sector, comparable size
INNOVATIOHOME
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P. GERONNEZ
BE 0861.820.848
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PROJECT ST-JACOB
BE 0715.806.352
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GTD-GLOBAL OFFICE
BE 0767.515.864
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FLEXBOUW
BE 0836.294.507
Schaarbeek · Eq €233k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,709 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
42110Construction of roads and motorways
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.caramidaconstruct.be
E-mail:info@caramidaconstruct.be