Carenel
ActiveThe annual accounts of Carenel for fiscal year 2025 show a net loss of 140% of total assets and of 65% of the equity at the start of that year. The 2025 annual accounts show equity of €1.54M and a net result of €-2.87M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 71% of 8663 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-39
Solvency100=
Growth57▼-17
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.21 against 0.78 in 2024; short-term debt: 24.7% and cash: 1.8% of total assets), and 24.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
43 d early
2023
62 d early
2022
48 d early
2021
38 d early
2020
2 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€174k▲ 93.3%
2021 · €90k
2020: €120k
2021: €90k
2020 → 2024
EBIT margin
31.8%▼ 4.3pp
2021 · 36.1%
2020: -178.5%
2021: 36.1%
2020 → 2024
Net result
€-2.87M
2024 · €27k
2020: €-333k
2021: €-69k
2022: €11k
2023: €900k
2024: €27k
2020 → 2025
Working capital
€-399k▼ 48.6%
2024 · €-269k
2020: €-3.98M
2021: €-2.59M
2022: €-2.77M
2023: €-206k
2024: €-269k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€90k-€174k
Equity€1.18M-€1.19M▲ 0.9%€4.39M▲ 269%€4.42M▲ 0.6%€1.54M▼ 65.0%
Operating result€32k-€53k▲ 64.2%€31k▼ 41.2%€55k▲ 76.3%€-24k
Net result€-69k-€11k€900k▲ 7,966%€27k▼ 97.0%€-2.87M
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €55k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.05M
Fixed assets
€1.94M▼ 59.3%
Current assets
€108k▼ 88.4%
Equity and liabilities €2.05M
Equity
€1.54M▼ 65.0%
Debt
€508k▼ 60.7%
The debt ratio rises from 22.6% to 24.7%. Equity and debt are lower.
Key figures and ratios
Solvency
75.3%▼
2024 · 77.4%
Current ratio
0.21▼
2024 · 0.78
Quick ratio
0.21▼
2024 · 0.78
Debt / equity
0.33▲
2024 · 0.29
ROE
-185.9%▼
2024 · 0.6%
ROA
-139.9%▼
2024 · 0.5%
Debt
€508k▼
2024 · €1.29M
Debt ≤ 1 year
€508k▼
2024 · €1.20M
Debt > 1 year
€0▼
2024 · €92k
Income taxes
€-10k▼
2024 · €10k
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€5.71M€2.05M▼
Fixed assets21/28€4.78M€1.94M▼
Financial fixed assets28€4.78M€1.94M▼
Current assets29/58€932k€108k▼
Amounts receivable within one year40/41€928k€71k▼
Trade receivables40€0€56k▲
Other amounts receivable41€928k€15k▼
Cash at bank and in hand54/58€3k€36k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€5.71M€2.05M▼
Equity10/15€4.42M€1.54M▼
Contributions10/11€3.88M€3.88M=
Profit (loss) carried forward14€536k€-2.34M▼
Amounts payable17/49€1.29M€508k▼
Amounts payable after more than one year17€92k€0▼
Financial debts170/4€92k€0▼
Amounts payable within one year42/48€1.20M€508k▼
Current portion of amounts payable after more than one year42€90k€0▼
Trade debts44€18k€491▼
Suppliers440/4€18k€491▼
Taxes, remuneration and social security45€10k€0▼
Taxes450/3€10k€0▼
Other amounts payable47/48€1.08M€507k▼
Income statement
Code20242025
Turnover70€174k-
Goods, raw materials, services and sundry goods60/61€195k-
Other operating charges640/8-€998
Gross operating margin9900€55k€-23k▼
Operating profit (loss)9901€55k€-24k▼
Financial income75/76B€25k€503k▲
Recurring financial income75€25k€503k▲
Financial charges65/66B€43k€3.36M▲
Recurring financial charges65€43k€17k▼
Non-recurring financial charges66B-€3.34M
Profit (loss) for the period before taxes9903€37k€-2.88M▼
Income taxes67/77€10k€-10k▼
Profit (loss) for the period9904€27k€-2.87M▼
Profit (loss) for the period to be appropriated9905€27k€-2.87M▼
Appropriation of the result
Profit (loss) to be appropriated9906€536k€-2.34M▼
Profit (loss) brought forward from the previous period14P€509k€536k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-2.87M ▼10664%
Net result drops to €-2.87M, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €900k ▲7966%
Net result €900k, the highest in the series.
31-12
Financial
Equity above €2MEq €4.39M ▲269%
2 profitable years in a row build equity to €4.39M.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.18M ▲376%
Equity rises from €247k to €1.18M.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Sint-Pieters-Woluwe · 1 establishment unit since 2019
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.
Bovenberg 1181150 Sint-Pieters-WoluweGround area
662 m²
Building footprint
310 m²
Volume, LiDAR
3,519 m³
Parcel 21682C0063/00D000, Brussels · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zorggroep Kans
since 20192.340.565.854
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0063/00D000 | Brussels | 662 m² | 1 · 310 m² | 16.0 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
894500FRUA8MIYXV1U58
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 23,071 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.