CARCOSMETIX
ActiveCARCOSMETIX has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.59M and a net result of €261k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+20
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 10.91 against 13.3 in 2024), and 44.3% 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
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
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
55.7%
Return on assets
9.1%
Age of the figures
8 mo
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 →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
36 d early
2023
27 d late
2022
25 d early
2021
26 d early
2020
22 d early
2019
48 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.59M▼ 39.0%
2024 · €2.61M
2018: €701k
2019: €789k
2020: €1.79M
2021: €1.98M
2022: €2.10M
2023: €2.35M
2024: €2.61M
2018 → 2025
Total assets
€2.86M▼ 2.9%
2024 · €2.94M
2018: €941k
2019: €1.51M
2020: €2.56M
2021: €2.57M
2022: €2.45M
2023: €2.70M
2024: €2.94M
2018 → 2025
Net result
€261k▼ 19.1%
2024 · €323k
2018: €64k
2019: €90k
2020: €1.00M
2021: €234k
2022: €167k
2023: €287k
2024: €323k
2018 → 2025
Working capital
€1.25M▼ 40.6%
2024 · €2.11M
2018: €318k
2019: €390k
2020: €1.11M
2021: €1.35M
2022: €1.54M
2023: €1.89M
2024: €2.11M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.98M-€2.10M▲ 6.1%€2.35M▲ 11.7%€2.61M▲ 11.1%€1.59M▼ 39.0%
Operating result€313k-€244k▼ 22.1%€360k▲ 47.6%€407k▲ 13.3%€291k▼ 28.7%
Net result€234k-€167k▼ 28.6%€287k▲ 72.0%€323k▲ 12.4%€261k▼ 19.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.86M
Fixed assets
€1.48M▲ 124%
Current assets
€1.38M▼ 39.5%
Equity and liabilities €2.86M
Equity
€1.59M▼ 39.0%
Debt
€1.26M▲ 280%
The debt ratio rises from 11.3% to 44.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€425k▼
2024 · €556k
Cash flow
€395k▼
2024 · €471k
Solvency
55.7%▼
2024 · 88.7%
Current ratio
10.91▼
2024 · 13.30
Quick ratio
6.64▼
2024 · 10.70
Debt / equity
0.79▲
2024 · 0.13
ROE
16.4%▲
2024 · 12.4%
ROA
9.1%▼
2024 · 11.0%
Interest coverage
19.53▼
2024 · 48.48
Debt
€1.26M▲
2024 · €333k
Debt ≤ 1 year
€127k▼
2024 · €172k
Debt > 1 year
€1.12M▲
2024 · €161k
Income taxes
€82k▼
2024 · €105k
Staff costs
€332k▲
2024 · €296k
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€2.94M€2.86M▼
Fixed assets21/28€660k€1.48M▲
Tangible fixed assets22/27€655k€1.47M▲
Land and buildings22€424k€1.29M▲
Plant, machinery and equipment23€80k€52k▼
Furniture and vehicles24€151k€133k▼
Financial fixed assets28€5k€4k▼
Current assets29/58€2.28M€1.38M▼
Stocks and contracts in progress3€447k€541k▲
Stocks30/36€447k€541k▲
Amounts receivable within one year40/41€161k€184k▲
Trade receivables40€158k€148k▼
Other amounts receivable41€3k€35k▲
Current investments50/53€255k€0▼
Cash at bank and in hand54/58€1.41M€648k▼
Deferred charges and accrued income490/1€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€2.94M€2.86M▼
Equity10/15€2.61M€1.59M▼
Contributions10/11€19k€19k=
Reserves13€2.57M€1.57M▼
Tax-exempt reserves132€213k€213k=
Distributable reserves133€2.35M€1.36M▼
Profit (loss) carried forward14€25k€0▼
Amounts payable17/49€333k€1.26M▲
Amounts payable after more than one year17€161k€1.12M▲
Financial debts170/4€161k€1.12M▲
Amounts payable within one year42/48€172k€127k▼
Current portion of amounts payable after more than one year42€45k€100k▲
Trade debts44€85k€25k▼
Suppliers440/4€85k€25k▼
Taxes, remuneration and social security45€20k€1k▼
Taxes450/3€20k€1k▼
Other amounts payable47/48€21k€0▼
Accrued charges and deferred income492/3-€23k
Income statement
Code20242025
Non-recurring operating income76A€6k€4k▼
Remuneration, social security and pensions62€296k€332k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€148k€134k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€229€0▼
Other operating charges640/8€15k€17k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€872k€773k▼
Operating profit (loss)9901€407k€291k▼
Financial income75/76B€32k€74k▲
Recurring financial income75€32k€74k▲
Financial charges65/66B€11k€22k▲
Recurring financial charges65€11k€22k▲
Profit (loss) for the period before taxes9903€428k€343k▼
Income taxes67/77€105k€82k▼
Profit (loss) for the period9904€323k€261k▼
Profit (loss) for the period to be appropriated9905€323k€261k▼
Appropriation of the result
Profit (loss) to be appropriated9906€348k€286k▼
Profit (loss) brought forward from the previous period14P€25k€25k=
Transfer from equity791/2€62k€1.28M▲
Transfer to equity691/2€323k€286k▼
To contributions691€8€0▼
To other reserves6921€323k€286k▼
Profit to be distributed694/7€62k€1.28M▲
Return on contributions (dividend)694€62k€1.28M▲
Social balance
Average headcount (FTE)90874.34.7▲
The notes to these accounts (23 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 17.71
Current ratio from 5.70 to 17.71; short-term debt falls from €287k to €92k.
31-12
Financial
Equity above €2MEq €2.10M ▲6.1%
5 profitable years in a row build equity to €2.10M.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €1.00M ▲1013%
Operating result €1.42M, net result €1.00M, both a record.
31-12
Financial
Equity above €1MEq €1.79M ▲127%
3 profitable years in a row build equity to €1.79M.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 48 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-07-2025
Christoph Meersman: Resigned as Director
02-07-2025
Jannick Vandermeulen: Resigned as Director
02-07-2025
CCMTX Group BV: Appointed as Permanent representative
Location & real-estate footprint
Registered office, Ledegem · 1 establishment unit since 2001
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.
Nijverheidslaan 18880 LedegemGround area
2,656 m²
Building footprint
1,064 m²
Volume, LiDAR
6,985 m³
Parcel 36010C0736/00E000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARCOSMETIX
since 20012.077.960.625
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36010C0736/00E000 | Flanders | 2,656 m² | 1 · 1,064 m² | 7.9 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
2024 to 2025 · 2 entries · 2,599 EUR awarded · 2,599 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
| 2024 | 1 | 179 EUR | 179 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 466 companies in sector 46442 we hold annual accounts for 329. 189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-1996
Fiscal year end31-12
Activities, NACEBEL
46442Wholesale trade
51442
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.