Financials
- Fiscal year
- 2025
- Total assets
- €507,440
- Profit
- €15,011
- Solvency
- 98.9%
Total assets▲ 4.0%
Net result
20182025
CARCOM
ActiveSummary
CARCOM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501,896 and a net result of €15,011. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 8741 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Wholesale of construction materials, general range
NACE 46831NACE 46731NACE 51532
1 site
Size
€507,440total assets 2025
- Equity
- €501,896
- Profit
- €15,011
Structure
- Parent
- Etablissements Carsana · 99%
Accounts on time0 of 3 deeds read
Why 95+ Founded in 1991+ Equity €501,896 (98.9% of total assets)+ Liquidity: current ratio 72.59, cash €73,604+ Figures for FY 2025 (filed 31-07-2026)Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 62% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 98.9% of total assets
Liquidity
68=
short-term debt 1.1% · cash 14.5%
Profitability
45-2
return on assets 3.0%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 17 months
06-2025: 0.1%
07-2025: 0.1%▲ +49.2% vs 06-2025
08-2025: 0.1%▲ +61.5% vs 07-2025highest value
09-2025: < 0.1%▼ -70.1% vs 08-2025
10-2025: < 0.1%● 0.0% vs 09-2025
11-2025: < 0.1%● 0.0% vs 10-2025
12-2025: < 0.1%● 0.0% vs 11-2025
01-2026: < 0.1%▼ -6.8% vs 12-2025
02-2026: < 0.1%● 0.0% vs 01-2026
03-2026: < 0.1%● 0.0% vs 02-2026
04-2026: < 0.1%● 0.0% vs 03-2026
05-2026: < 0.1%▲ +2.4% vs 04-2026
06-2026: < 0.1%▲ +4.8% vs 05-2026
07-2026: < 0.1%▲ +4.5% vs 06-2026
08-2026: < 0.1%▼ -26.1% vs 07-2026lowest value
09-2026: < 0.1%● 0.0% vs 08-2026lowest value
10-2026: < 0.1%● 0.0% vs 09-2026lowest value
- Founded in 1991 lowers the probability for this profile
- Equity €501,896 (98.9% of total assets) lowers the probability
- Liquidity: current ratio 72.59, cash €73,604 lowers the probability
- Figures for FY 2025 (filed 31-07-2026) lowers the probability
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 72.59; short-term debt: 1.1% and cash: 14.5% of total assets), and 1.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 90%, liquidity 73%, profitability 35%, growth against the median 50%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
28 d late
2023
30 d late
2022
31 d late
2021
32 d early
2020
15 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Equity above €500,000Eq €501,896 ▲3.1%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Board & ownership
- Parent
- Etablissements Carsana · 99%
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 31-07-2026Annual accounts filed
- 31-12-2025Equity above €500,000
- 28-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Wholesale of construction materials, general rangeNACE 46831
- Founded
- 15-11-1991
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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