CARATT
ActiveCARATT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €-4k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency35=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 23.01 against 27.22 in 2024; short-term debt: 0.2% and cash: 0.1% of total assets), but 89.7% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7983 sector peers (2025).
NBB · sector comparisonPosition among 7983 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
70 d early
2023
40 d early
2022
33 d early
2021
38 d early
2020
26 d late
2019
16 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€220k▼ 1.7%
2024 · €224k
2018: €34k
2019: €35k
2020: €25k
2021: €14k
2022: €221k
2023: €222k
2024: €224k
2018 → 2025
Total assets
€2.15M▼ 0.4%
2024 · €2.16M
2018: €2.05M
2019: €2.04M
2020: €2.03M
2021: €2.04M
2022: €2.23M
2023: €2.19M
2024: €2.16M
2018 → 2025
Net result
€-4k
2024 · €2k
2018: €12k
2019: €567
2020: €-10k
2021: €-10k
2022: €206k
2023: €2k
2024: €2k
2018 → 2025
Working capital
€87k▼ 8.8%
2024 · €95k
2018: €34k
2019: €35k
2020: €25k
2021: €4k
2022: €164k
2023: €115k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€221k▲ 1,437%€222k▲ 0.7%€224k▲ 0.8%€220k▼ 1.7%
Operating result€-10k-€6k€-3k€-2k▲ 32.7%€-6k▼ 183%
Net result€-10k-€206k€2k▼ 99.3%€2k▲ 11.7%€-4k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.15M
Fixed assets
€2.06M▼ 0.1%
Current assets
€91k▼ 8.1%
Equity and liabilities €2.15M
Equity
€220k▼ 1.7%
Debt
€1.93M▼ 0.3%
The debt ratio rises from 89.6% to 89.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €7k
Cash flow
€6k▼
2024 · €11k
Solvency
10.3%▼
2024 · 10.4%
Current ratio
23.01▼
2024 · 27.22
Quick ratio
23.01▼
2024 · 27.22
Debt / equity
8.75▲
2024 · 8.63
ROE
-1.8%▼
2024 · 0.8%
ROA
-0.2%▼
2024 · 0.1%
Interest coverage
17.45▼
2024 · 28.94
Debt
€1.93M▼
2024 · €1.93M
Debt ≤ 1 year
€4k▲
2024 · €4k
Debt > 1 year
€1.92M▼
2024 · €1.93M
Income taxes
€121▼
2024 · €150
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€2.16M€2.15M▼
Fixed assets21/28€2.06M€2.06M▼
Tangible fixed assets22/27€54k€52k▼
Plant, machinery and equipment23€49k€42k▼
Furniture and vehicles24€5k€10k▲
Financial fixed assets28€2.00M€2.00M=
Current assets29/58€99k€91k▼
Amounts receivable within one year40/41€86k€88k▲
Trade receivables40€3k€3k▼
Other amounts receivable41€83k€85k▲
Cash at bank and in hand54/58€12k€2k▼
Deferred charges and accrued income490/1€1k€774▼
Equity and liabilities
Total equity and liabilities10/49€2.16M€2.15M▼
Equity10/15€224k€220k▼
Contributions10/11€19k€19k=
Reserves13€205k€202k▼
Distributable reserves133€205k€202k▼
Amounts payable17/49€1.93M€1.93M▼
Amounts payable after more than one year17€1.93M€1.92M▼
Financial debts170/4€1.93M€1.92M▼
Amounts payable within one year42/48€4k€4k▲
Trade debts44€1k€627▼
Suppliers440/4€1k€627▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€297€599▲
Remuneration and social security454/9€750€750=
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3€62-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€8k€6k▼
Operating profit (loss)9901€-2k€-6k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€237€244▲
Recurring financial charges65€237€244▲
Profit (loss) for the period before taxes9903€2k€-4k▼
Income taxes67/77€150€121▼
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-4k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (8 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €206k
Net result €206k after 2 loss-making years.
31-12
Financial
Liquidity times 24current ratio 28.42
Current ratio from 1.16 to 28.42; short-term debt falls from €27k to €6k.
31-12
Financial
Equity above €200kEq €221k ▲1437%
Equity rises from €14k to €221k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity triplescurrent ratio 14.03
Current ratio from 4.24 to 14.03; short-term debt falls from €11k to €3k.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Zonhoven · 1 establishment unit since 1999
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.
Lemkenshofstraat 33520 ZonhovenGround area
1,104 m²
Building footprint
213 m²
Volume, LiDAR
1,201 m³
Parcel 71443E0895/00D000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARATT
since 19992.080.655.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0895/00D000 | Flanders | 1,104 m² | 1 · 213 m² | 7.3 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.
Similar companies · same sector, comparable size
FOXTILES
BE 0446.089.043
Huy · Eq €220k
EMPREINTE.BE
BE 0873.146.785
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L'EXSELLENT
BE 0474.499.155
Lommel · Eq €222k
MAREK
BE 0446.528.414
Schoten · Eq €223k
COMPOSIT
BE 0431.772.932
Anderlecht · Eq €225k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-1997
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
47713Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
52421
52424
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:caratt@telenet.be