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CARAT D'ELLES

Active
Private limited company·Detailhandel in uurwerken en sieraden· 2 yrs active
Place de la Bouxhe 10 ·4052 Chaudfontaine, Belgium
KBO/BCE: BE 0805.953.796
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Age2 yrs
Real estate1 parcel · 477 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CARAT D'ELLES is 1.8% (moderate). The 2025 annual accounts show equity of €201k and a net result of €4k. Its solvency ranks better than 95% of 1408 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 1408 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 17-12-2025 45 d early 2025-00585250
30-06-2024 31-01-2025 17-12-2024 45 d early 2024-00619561

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-59.6%
Working capital€192k+6.1%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 17-12-2025 with the NBB · fiscal year 2025 · micro
€0€5k€10k€15kOperating result 2024: €16k€16kNet result 2024: €11k€11kOperating result 2025: €7k€7kNet result 2025: €4k€4k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 93.0% 23.8%
better than 95% of 1408 sector peers
Net result €4k €8k
better than 44% of 1405 sector peers
Equity €201k €26k
better than 92% of 1409 sector peers
Gross operating margin €16k €36k
better than 34% of 1402 sector peers
Total assets €216k €133k
better than 65% of 1409 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€16k
-44.8% 24-25
Net profit
€4k
-59.6% 24-25
Cash flow
€13k
-43.4% 24-25
Total assets
€216k
-1.6% 24-25
Equity
€201k
+2.2% 24-25
Working capital
€192k
+6.1% 24-25
Income taxes
€2k
-52.7% 24-25
Debt
€15k
-34.4% 24-25
Debt ≤ 1y
€12k
-32.5% 24-25
Debt > 1y
€3k
-41.4% 24-25
Current ratio
17.05
+52.1% 24-25
Quick ratio
1.06
-1.1% 24-25
Solvency
93.0%
+3.9% 24-25
Debt / equity
0.08
-35.9% 24-25
ROE
2.2%
-60.5% 24-25
ROA
2.0%
-59.0% 24-25
Interest coverage
15.84
-4.7% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€16k
Net profit€4k
Cash flow€13k
Staff costs-
Income taxes€2k
Dividends-
Total assets€216k
Equity€201k
Debt€15k
of which ≤ 1y€12k
of which > 1y€3k
Working capital€192k
Employees (FTE)-
Ratios (computed)
2025
Current ratio17.05
Quick ratio1.06
Working capital ratio88.7%
Solvency93.0%
Debt / equity0.08
Long-term debt ratio0.02
Interest coverage15.84
Gross margin-
Net margin-
ROA2.0%
ROE2.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€216k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Current assets 29/58€204k
Stocks & contracts in progress 3€191k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€216k
Equity 10/15€201k
Contributions / capital 10/11€186k
Reserves 13€16
Accumulated profits (losses) 14€15k
Amounts payable 17/49€15k
Amounts payable after one year 17€3k
Amounts payable within one year 42/48€12k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€16k
Operating result 9901€7k
Financial income 75€15
Financial charges 65€978
Result before taxes 9903€6k
Income taxes 67/77€2k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
86 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Place de la Bouxhe 104052 Chaudfontaine

Establishment units

1 location
Carat d'elles
Place de la Bouxhe 10, 4052 ChaudfontaineVerv van bijouterieën en juwelen van edele of onedele metalen geplateerd met edele metalen; van edel- of halfedelstenen of van combinaties van edele metalen en edel- of halfedelstenen
since 20232.350.308.614
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area477 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)717 m³
Tallest building8.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62012C0091/00Y000indicative Wallonia 477 m² 1 · 97 m² 8.4 m · 3 fl.
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health86Profitability11Solvency100Growth52Stability82
66 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 11
Solvency 100
Growth 52
Stability 82

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 152 of the 2,012 companies in this sector. 98 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in uurwerken en sieraden in gespecialiseerde winkels47770Detailhandel in uurwerken en sieraden47770Vervaardiging van sieraden32123Vervaardiging van sieraden32123Vervaardiging van imitatiesieraden en dergelijke artikelen32130Vervaardiging van imitatiesieraden en dergelijke artikelen32130Reparatie van uurwerken en sieraden95250Reparatie en onderhoud van uurwerken en sieraden95250
Primary activity highlighted.
Names & trade names
Legal nameFR CARAT D'ELLES
Registered office
Place de la Bouxhe 10
4052 Chaudfontaine, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.