Caremans Projects
ActiveSummary
Caremans Projects has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,885 and a net result of €3,526. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 28281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-6
Solvency88▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity short (current ratio 0.3 against 0.19 in 2024; short-term debt: 36.3% and cash: 10.2% of total assets), and 37.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
62.9%
Return on assets
2.1%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €103,885
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
42 d early
2023
41 d early
2022
1 d early
2021
6 d early
2020
24 d late
2019
313 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 33 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 13 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€103,885▲ 3.5%
2024 · €100,359
Total assets
€165,141▼ 1.2%
2024 · €167,144
Net result
€3,526▼ 67.8%
2024 · €10,935
Working capital
-€41,789▲ 20.8%
2024 · -€52,768
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,753-€8,263▼ 371%-€18,468▼ 124%€12,655€3,652▼ 71.1%
Net result-€2,812below the sector's middle half-€9,611below the sector's middle half▼ 242%-€19,740below the sector's middle half▼ 105%€10,935within the sector's middle half€3,526within the sector's middle half▼ 67.8%
Equity€118,775within the sector's middle half▼ 17.9%€109,164within the sector's middle half▼ 8.1%€89,424within the sector's middle half▼ 18.1%€100,359within the sector's middle half▲ 12.2%€103,885within the sector's middle half▲ 3.5%
Total assets€210,591within the sector's middle half▼ 7.4%€203,933within the sector's middle half▼ 3.2%€180,383within the sector's middle half▼ 11.5%€167,144within the sector's middle half▼ 7.3%€165,141within the sector's middle half▼ 1.2%
Debt€91,816▲ 10.9%€94,769▲ 3.2%€90,959▼ 4.0%€66,786▼ 26.6%€61,256▼ 8.3%
Working capital-€71,153below the sector's middle half▼ 73.5%-€77,472below the sector's middle half▼ 8.9%-€82,865below the sector's middle half▼ 7.0%-€52,768below the sector's middle half▲ 36.3%-€41,789below the sector's middle half▲ 20.8%
Solvency56.4%within the sector's middle half▼ 7.2pp53.5%within the sector's middle half▼ 2.9pp49.6%within the sector's middle half▼ 4.0pp60.0%within the sector's middle half▲ 10.5pp62.9%within the sector's middle half▲ 2.9pp
Current ratio0.21below the sector's middle half▼ 0.280.17below the sector's middle half▼ 0.040.08below the sector's middle half▼ 0.100.19below the sector's middle half▲ 0.120.30below the sector's middle half▲ 0.11
Return on assets (ROA)-1.3%below the sector's middle half▼ 5.5pp-4.7%below the sector's middle half▼ 3.4pp-10.9%below the sector's middle half▼ 6.2pp6.5%within the sector's middle half▲ 17.5pp2.1%within the sector's middle half▼ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165,141
Fixed assets
€146,924 ▼ 4.8%
Current assets
€18,217 ▲ 42.7%
Equity and liabilities €165,141
Equity
€103,885 ▲ 3.5%
Debt
€61,256 ▼ 8.3%
Debt's share of the balance-sheet total falls from 40.0% to 37.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11,105▼
2024 · €20,573
Cash flow
€10,978▼
2024 · €18,852
Debt to equity
0.59▼
2024 · 0.67
ROE
3.4%▼
2024 · 10.9%
Interest coverage
87.71▲
2024 · 32.81
Debt ≤ 1 year
€60,006▼
2024 · €65,536
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €11,255 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,090 | €12,425 | €14,347 | €7,918 | €7,452 | ▼ 5.9% |
| Other operating charges640/8 | - | €2,540 | €2,625 | €3,164 | €3,142 | ▼ 0.7% |
| Gross operating margin9900 | €15,688 | €6,703 | -€1,496 | €23,737 | €14,247 | ▼ 40.0% |
| Operating profit (loss)9901 | -€1,753 | -€8,263 | -€18,468 | €12,655 | €3,652 | ▼ 71.1% |
| Financial income75/76B | - | - | €3 | €0 | €1 | ▲ 155% |
| Recurring financial income75 | €0 | - | €3 | €0 | €1 | ▲ 155% |
| Financial charges65/66B | - | €1,348 | €1,274 | €627 | €127 | ▼ 79.8% |
| Recurring financial charges65 | €1,060 | €1,348 | €1,274 | €627 | €127 | ▼ 79.8% |
| Profit (loss) for the period before taxes9903 | -€2,812 | -€9,611 | -€19,740 | €12,028 | €3,526 | ▼ 70.7% |
| Income taxes67/77 | - | - | - | €1,093 | - | - |
| Profit (loss) for the period9904 | -€2,812 | -€9,611 | -€19,740 | €10,935 | €3,526 | ▼ 67.8% |
| Profit (loss) for the period to be appropriated9905 | -€2,812 | -€9,611 | -€19,740 | €10,935 | €3,526 | ▼ 67.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €210,591 | €203,933 | €180,383 | €167,144 | €165,141 | ▼ 1.2% |
| Fixed assets21/28 | €191,178 | €187,886 | €173,539 | €154,376 | €146,924 | ▼ 4.8% |
| Tangible fixed assets22/27 | €191,178 | €187,886 | €173,539 | €154,376 | €146,924 | ▼ 4.8% |
| Land and buildings22 | - | €168,382 | €161,061 | €153,739 | €146,587 | ▼ 4.7% |
| Plant, machinery and equipment23 | - | €1,051 | €297 | - | - | - |
| Furniture and vehicles24 | - | €18,453 | €12,182 | €637 | €338 | ▼ 47.0% |
| Current assets29/58 | €19,413 | €16,047 | €6,845 | €12,768 | €18,217 | ▲ 42.7% |
| Amounts receivable within one year40/41 | €5,929 | €6,039 | €1,114 | - | €189 | - |
| Trade receivables40 | - | €1,685 | - | - | €189 | - |
| Other amounts receivable41 | - | €4,355 | €1,114 | - | - | - |
| Cash at bank and in hand54/58 | €11,256 | €7,687 | €4,151 | €12,149 | €16,852 | ▲ 38.7% |
| Deferred charges and accrued income490/1 | - | €2,320 | €1,580 | €619 | €1,175 | ▲ 89.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €210,591 | €203,933 | €180,383 | €167,144 | €165,141 | ▼ 1.2% |
| Equity10/15 | €118,775 | €109,164 | €89,424 | €100,359 | €103,885 | ▲ 3.5% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €100,183 | €90,572 | €70,832 | €81,767 | €85,293 | ▲ 4.3% |
| Non-distributable reserves130/1 | - | €4,738 | €4,738 | - | - | - |
| Reserves not available under the articles1311 | - | €4,738 | €4,738 | - | - | - |
| Tax-exempt reserves132 | - | €10,945 | €10,945 | €10,945 | €10,945 | = |
| Distributable reserves133 | - | €74,889 | €55,149 | €70,822 | €74,348 | ▲ 5.0% |
| Profit (loss) carried forward14 | €57,635 | - | - | - | - | - |
| Amounts payable17/49 | €91,816 | €94,769 | €90,959 | €66,786 | €61,256 | ▼ 8.3% |
| Amounts payable within one year42/48 | €90,566 | €93,519 | €89,709 | €65,536 | €60,006 | ▼ 8.4% |
| Trade debts44 | €9,589 | €10,853 | - | - | €157 | - |
| Suppliers440/4 | - | €10,853 | - | - | €157 | - |
| Taxes, remuneration and social security45 | - | €2,130 | - | €1,189 | €1,542 | ▲ 29.7% |
| Taxes450/3 | - | €2,130 | - | €1,189 | €1,542 | ▲ 29.7% |
| Other amounts payable47/48 | - | €80,536 | €89,709 | €64,347 | €58,307 | ▼ 9.4% |
| Accrued charges and deferred income492/3 | - | €1,250 | €1,250 | €1,250 | €1,250 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,812 | -€9,611 | -€19,740 | €10,935 | €3,526 | ▼ 67.8% |
| + Depreciation and write-downs630 | €12,090 | €12,425 | €14,347 | €7,918 | €7,452 | ▼ 5.9% |
| Operating cash flow (approximation) | €9,278 | €2,814 | -€5,393 | €18,852 | €10,978 | ▼ 41.8% |
| Investment in fixed assets (approximation) | - | -€9,133 | €0 | €11,245 | €0 | ▼ 100% |
| Change in cash | - | -€3,569 | -€3,537 | €7,998 | €4,703 | ▼ 41.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €10,935
Net result €10,935 after 3 loss-making years.
30-06
Financial
Equity above €100,000Eq €100,359 ▲12.2%
Equity rises from €89,424 to €100,359.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet -€19,740
Net result drops to -€19,740, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 313 days late
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Beringen · 1 establishment unit since 1989
Ground area
2,162 m²
Building footprint
493 m²
Volume, LiDAR
2,359 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zuidstraat 182, 3581 Beringen
since 19892.045.692.683
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005C1143/00K005 | Flanders | 1,193 m² | 1 · 321 m² | 10.0 m · 2 fl. |
| 71005C1149/00V000indicative | Flanders | 969 m² | 1 · 172 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,960 companies in sector 43331 we hold annual accounts for 1,787. 1,540 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-10-1989
Fiscal year end30-06
Activities, NACEBEL 2025
43331Floor and wall tiling
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0438528585
Also
9925:BE0438528585
Registered
05-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.