Summary
CARBUUR 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 €82k and a net result of €24k. Equity is growing by ~34.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 2435 sector peers (fiscal year 2025). The company has been active since 2022 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 3 filingsDeviation from the deadline
2025
30 d late
2024
33 d early
2023
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€82k▲ 41.8%
2024 · €58k
2023: €42k
2024: €58k
2023 → 2025
Net result
€24k▲ 58.1%
2024 · €15k
2023: €-18k
2024: €15k
2023 → 2025
Total assets
€1.15M▲ 0.1%
2024 · €1.15M
2023: €1.02M
2024: €1.15M
2023 → 2025
Solvency
7.1%▲ 2.1pp
2024 · 5.0%
2023: 4.1%
2024: 5.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€58k▲ 36.0%€82k▲ 41.8%
Operating result€-17k-€45k€52k▲ 17.1%
Net result€-18k-€15k€24k▲ 58.1%
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 risen two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€1.13M ▼ 0.3%
Current assets
€24k ▲ 21.9%
Equity and liabilities €1.15M
Equity
€82k ▲ 41.8%
Debt
€1.07M ▼ 2.1%
Debt's share of the balance-sheet total falls from 95.0% to 92.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
29.5%▲
2024 · 26.5%
ROA
2.1%▲
2024 · 1.3%
Debt ≤ 1 year
€504k▲
2024 · €32k
Debt > 1 year
€566k▼
2024 · €1.06M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.15M€1.15M▲
Fixed assets21/28€1.13M€1.13M▼
Tangible fixed assets22/27€1.13M€1.13M▼
Land and buildings22€1.13M€1.13M▼
Current assets29/58€20k€24k▲
Amounts receivable within one year40/41€1k€1k▲
Trade receivables40€1k€1k▲
Cash at bank and in hand54/58€19k€23k▲
Deferred charges and accrued income490/1€15€18▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.15M▲
Equity10/15€58k€82k▲
Contributions10/11€60k€60k=
Reserves13-€22k
Distributable reserves133-€22k
Profit (loss) carried forward14€-2k-
Amounts payable17/49€1.09M€1.07M▼
Amounts payable after more than one year17€1.06M€566k▼
Financial debts170/4€1.06M€566k▼
Amounts payable within one year42/48€32k€504k▲
Current portion of amounts payable after more than one year42€31k€31k▲
Financial debts43-€471k
Credit institutions430/8-€471k
Trade debts44€765€563▼
Suppliers440/4€765€563▼
Taxes, remuneration and social security45€449€808▲
Taxes450/3€449€808▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€68k€75k▲
Operating profit (loss)9901€45k€52k▲
Financial charges65/66B€29k€28k▼
Recurring financial charges65€29k€28k▼
Profit (loss) for the period before taxes9903€15k€24k▲
Profit (loss) for the period9904€15k€24k▲
Profit (loss) for the period to be appropriated9905€15k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€22k▲
Profit (loss) brought forward from the previous period14P€-18k€-2k▲
Transfer to equity691/2-€22k
To other reserves6921-€22k
The notes to these accounts (10 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2023net €24k ▲58.1%
Operating result €52k, net result €24k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Geel · 1 establishment unit since 2022
Ground area
428 m²
Building footprint
235 m²
Volume, LiDAR
1,795 m³
Parcel 13008H0470/00H000, Flanders · tallest building 18.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CARBUUR
since 20222.326.251.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H0470/00H000 | Flanders | 428 m² | 1 · 234 m² | 18.3 m · 3 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.
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Of 591 companies in sector 66300 we hold annual accounts for 365. 224 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:[email protected]
Phone:0495235093