CARES
ActiveSummary
CARES has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.58M and a net result of €184k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74=
Solvency78▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 1.82 in 2024; short-term debt: 7.8% and cash: 3.8% of total assets), and 46.5% of the assets are financed with debt.
Credit check 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
53.5%
Return on assets
3.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
151 d late
2022
149 d late
2021
152 d late
2020
60 d late
2019
138 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€184k▼ 11.4%
2024 · €208k
2018: €-50klowest in 8 years
2019: €126k▲ +352% vs 2018
2020: €333k▲ +164% vs 2019
2021: €175k▼ -47.5% vs 2020
2022: €407k▲ +133% vs 2021highest in 8 years
2023: €279k▼ -31.4% vs 2022
2024: €208k▼ -25.6% vs 2023
2025: €184k▼ -11.4% vs 2024
2018 → 2025
Working capital
€577k▲ 26.7%
2024 · €455k
2018: €515k
2019: €483k▼ -6.3% vs 2018
2020: €394k▼ -18.4% vs 2019lowest in 8 years
2021: €470k▲ +19.4% vs 2020
2022: €635k▲ +35.1% vs 2021highest in 8 years
2023: €489k▼ -23.1% vs 2022
2024: €455k▼ -6.9% vs 2023
2025: €577k▲ +26.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.73M-€2.04M▲ 17.8%€2.26M▲ 10.7%€2.40M▲ 6.3%€2.58M▲ 7.7%
2021: €1.73Mlowest in 5 years
2022: €2.04M▲ +17.8% vs 2021
2023: €2.26M▲ +10.7% vs 2022
2024: €2.40M▲ +6.3% vs 2023
2025: €2.58M▲ +7.7% vs 2024highest in 5 years
Operating result€309k-€617k▲ 99.7%€443k▼ 28.2%€354k▼ 20.1%€292k▼ 17.4%
2021: €309k
2022: €617k▲ +99.7% vs 2021highest in 5 years
2023: €443k▼ -28.2% vs 2022
2024: €354k▼ -20.1% vs 2023
2025: €292k▼ -17.4% vs 2024lowest in 5 years
Net result€175k-€407k▲ 133%€279k▼ 31.4%€208k▼ 25.6%€184k▼ 11.4%
2021: €175klowest in 5 years
2022: €407k▲ +133% vs 2021highest in 5 years
2023: €279k▼ -31.4% vs 2022
2024: €208k▼ -25.6% vs 2023
2025: €184k▼ -11.4% vs 2024
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.83M
Fixed assets
€3.88M ▼ 5.5%
Current assets
€952k ▼ 5.6%
Equity and liabilities €4.83M
Equity
€2.58M ▲ 7.7%
Debt
€2.25M ▼ 17.2%
Debt's share of the balance-sheet total falls from 53.1% to 46.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€529k▼
2024 · €589k
Cash flow
€420k▼
2024 · €443k
Current ratio
2.54▲
2024 · 1.82
Quick ratio
2.53▲
2024 · 1.82
Debt to equity
0.87▼
2024 · 1.13
ROE
7.1%▼
2024 · 8.6%
ROA
3.8%▼
2024 · 4.1%
Interest coverage
8.80▲
2024 · 8.64
Debt ≤ 1 year
€375k▼
2024 · €553k
Debt > 1 year
€1.87M▼
2024 · €2.16M
Income taxes
€55k▼
2024 · €87k
Staff costs
€120k▲
2024 · €86k
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 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.12M€4.83M▼
Fixed assets21/28€4.11M€3.88M▼
Tangible fixed assets22/27€4.11M€3.88M▼
Land and buildings22€4.00M€3.80M▼
Plant, machinery and equipment23€33k€20k▼
Furniture and vehicles24€70k€57k▼
Current assets29/58€1.01M€952k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€119k€346k▲
Trade receivables40€102k€81k▼
Other amounts receivable41€17k€265k▲
Current investments50/53€417k€417k=
Cash at bank and in hand54/58€468k€185k▼
Equity and liabilities
Total equity and liabilities10/49€5.12M€4.83M▼
Equity10/15€2.40M€2.58M▲
Contributions10/11€179k€179k=
Capital10€179k€179k=
Issued capital100€179k€179k=
Revaluation surpluses12€1.04M€1.04M=
Reserves13€1,000k€1,000k=
Non-distributable reserves130/1€435k€435k=
Legal reserve130€18k€18k=
Own shares acquired1312€417k€417k=
Tax-exempt reserves132€75k€75k=
Distributable reserves133€490k€490k=
Profit (loss) carried forward14€181k€365k▲
Amounts payable17/49€2.71M€2.25M▼
Amounts payable after more than one year17€2.16M€1.87M▼
Financial debts170/4€2.02M€1.73M▼
Other amounts payable178/9€137k€140k▲
Amounts payable within one year42/48€553k€375k▼
Current portion of amounts payable after more than one year42€419k€327k▼
Trade debts44€34k€44k▲
Suppliers440/4€34k€44k▲
Taxes, remuneration and social security45€19k€1k▼
Taxes450/3€17k€1k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€80k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€86k€120k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€235k€236k▲
Other operating charges640/8€104k€128k▲
Non-recurring operating charges66A€1k€65k▲
Gross operating margin9900€780k€842k▲
Operating profit (loss)9901€354k€292k▼
Financial income75/76B€9k€7k▼
Recurring financial income75€9k€7k▼
Financial charges65/66B€68k€60k▼
Recurring financial charges65€68k€60k▼
Profit (loss) for the period before taxes9903€295k€239k▼
Income taxes67/77€87k€55k▼
Profit (loss) for the period9904€208k€184k▼
Profit (loss) for the period to be appropriated9905€208k€184k▼
Appropriation of the result
Profit (loss) to be appropriated9906€427k€365k▼
Profit (loss) brought forward from the previous period14P€219k€181k▼
Transfer to equity691/2€180k-
To other reserves6921€180k-
Profit to be distributed694/7€66k-
Return on contributions (dividend)694€64k-
Directors or managers695€2k-
Social balance
Average headcount (FTE)90872.43.1▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €129k | €79k | €71k | €86k | €120k | ▲ 39.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €313k | €295k | €293k | €235k | €236k | ▲ 0.4% |
| Other operating charges640/8 | €98k | €81k | €125k | €104k | €128k | ▲ 23.1% |
| Non-recurring operating charges66A | €500 | €327 | €2k | €1k | €65k | ▲ 6,374% |
| Gross operating margin9900 | €850k | €1.07M | €934k | €780k | €842k | ▲ 7.9% |
| Operating profit (loss)9901 | €309k | €617k | €443k | €354k | €292k | ▼ 17.4% |
| Financial income75/76B | €16k | €6k | €4k | €9k | €7k | ▼ 22.5% |
| Recurring financial income75 | €16k | €6k | €4k | €9k | €7k | ▼ 22.5% |
| Financial charges65/66B | €83k | €74k | €73k | €68k | €60k | ▼ 11.9% |
| Recurring financial charges65 | €83k | €74k | €73k | €68k | €60k | ▼ 11.9% |
| Profit (loss) for the period before taxes9903 | €242k | €548k | €373k | €295k | €239k | ▼ 18.8% |
| Income taxes67/77 | €68k | €142k | €94k | €87k | €55k | ▼ 36.6% |
| Profit (loss) for the period9904 | €175k | €407k | €279k | €208k | €184k | ▼ 11.4% |
| Profit (loss) for the period to be appropriated9905 | €175k | €407k | €279k | €208k | €184k | ▼ 11.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.52M | €5.85M | €5.47M | €5.12M | €4.83M | ▼ 5.5% |
| Fixed assets21/28 | €4.53M | €4.31M | €4.30M | €4.11M | €3.88M | ▼ 5.5% |
| Tangible fixed assets22/27 | €4.53M | €4.31M | €4.30M | €4.11M | €3.88M | ▼ 5.5% |
| Land and buildings22 | €4.44M | €4.18M | €4.21M | €4.00M | €3.80M | ▼ 5.0% |
| Plant, machinery and equipment23 | €83k | €62k | €44k | €33k | €20k | ▼ 39.1% |
| Furniture and vehicles24 | €7k | €66k | €52k | €70k | €57k | ▼ 19.1% |
| Current assets29/58 | €985k | €1.53M | €1.16M | €1.01M | €952k | ▼ 5.6% |
| Amounts receivable after more than one year29 | €215k | - | - | - | - | - |
| Other amounts receivable291 | €215k | - | - | - | - | - |
| Stocks and contracts in progress3 | €4k | €4k | €4k | €4k | €4k | ▲ 1.2% |
| Stocks30/36 | €4k | €4k | €4k | €4k | €4k | ▲ 1.2% |
| Amounts receivable within one year40/41 | €147k | €137k | €52k | €119k | €346k | ▲ 190% |
| Trade receivables40 | €126k | €110k | €51k | €102k | €81k | ▼ 20.6% |
| Other amounts receivable41 | €21k | €26k | €604 | €17k | €265k | ▲ 1,473% |
| Current investments50/53 | - | €417k | €417k | €417k | €417k | = |
| Cash at bank and in hand54/58 | €619k | €977k | €692k | €468k | €185k | ▼ 60.4% |
| Deferred charges and accrued income490/1 | €100 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.52M | €5.85M | €5.47M | €5.12M | €4.83M | ▼ 5.5% |
| Equity10/15 | €1.73M | €2.04M | €2.26M | €2.40M | €2.58M | ▲ 7.7% |
| Contributions10/11 | €179k | €179k | €179k | €179k | €179k | = |
| Capital10 | €179k | €179k | €179k | €179k | €179k | = |
| Issued capital100 | €179k | €179k | €179k | €179k | €179k | = |
| Revaluation surpluses12 | €1.04M | €1.04M | €1.04M | €1.04M | €1.04M | = |
| Reserves13 | €403k | €820k | €820k | €1,000k | €1,000k | = |
| Non-distributable reserves130/1 | €18k | €435k | €435k | €435k | €435k | = |
| Legal reserve130 | €18k | €18k | €18k | €18k | €18k | = |
| Own shares acquired1312 | - | €417k | €417k | €417k | €417k | = |
| Tax-exempt reserves132 | €75k | €75k | €75k | €75k | €75k | = |
| Distributable reserves133 | €310k | €310k | €310k | €490k | €490k | = |
| Profit (loss) carried forward14 | €108k | €335 | €219k | €181k | €365k | ▲ 102% |
| Amounts payable17/49 | €3.79M | €3.81M | €3.21M | €2.71M | €2.25M | ▼ 17.2% |
| Amounts payable after more than one year17 | €3.27M | €2.91M | €2.53M | €2.16M | €1.87M | ▼ 13.4% |
| Financial debts170/4 | €3.16M | €2.79M | €2.42M | €2.02M | €1.73M | ▼ 14.5% |
| Other amounts payable178/9 | €116k | €115k | €113k | €137k | €140k | ▲ 2.6% |
| Amounts payable within one year42/48 | €515k | €899k | €675k | €553k | €375k | ▼ 32.1% |
| Current portion of amounts payable after more than one year42 | €394k | €410k | €408k | €419k | €327k | ▼ 21.9% |
| Trade debts44 | €36k | €30k | €66k | €34k | €44k | ▲ 28.8% |
| Suppliers440/4 | €36k | €30k | €66k | €34k | €44k | ▲ 28.8% |
| Taxes, remuneration and social security45 | €6k | €116k | €134k | €19k | €1k | ▼ 94.6% |
| Taxes450/3 | €1k | €115k | €134k | €17k | €1k | ▼ 94.1% |
| Remuneration and social security454/9 | €5k | €1k | - | €2k | - | - |
| Other amounts payable47/48 | €79k | €343k | €68k | €80k | €3k | ▼ 96.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €175k | €407k | €279k | €208k | €184k | ▼ 11.4% |
| + Depreciation and write-downs630 | €313k | €295k | €293k | €235k | €236k | ▲ 0.4% |
| Operating cash flow (approximation) | €488k | €701k | €572k | €443k | €420k | ▼ 5.1% |
| Investment in fixed assets (approximation) | - | €-75k | €-283k | €-40k | €-9k | ▲ 77.8% |
| Change in cash | - | €359k | €-285k | €-224k | €-283k | ▼ 26.5% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 151 days late
2023
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 149 days late
2022
31-12
Financial
Highest result since 2018net €407k ▲133%
Operating result €617k, net result €407k, both a record.
31-12
Financial
Equity above €2MEq €2.04M ▲17.8%
4 profitable years in a row build equity to €2.04M.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 152 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 138 days late
2019
31-12
Financial
Back to profitnet €126k
Net result €126k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
19-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 19 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Jemeppe-sur-Sambre · 1 establishment unit since 1983
Ground area
6,122 m²
Building footprint
450 m²
Volume, LiDAR
2,511 m³
2 parcels, Wallonia · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route de Saussin,Spy 38, 5190 Jemeppe-sur-Sambre
since 19832.022.499.488
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119C0537/00G000 | Wallonia | 5,641 m² | 1 · 256 m² | 10.3 m · 2 fl. |
| 92119B0040/00N000 | Wallonia | 481 m² | 1 · 195 m² | 5.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 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 12,020 companies in sector 68203 we hold annual accounts for 5,986. 3,381 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded16-06-1983
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
47279Other retail sale of food
47300Retail sale of automotive fuel
Contact
E-mail
cares.dumont@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
Rapport C.A. Approbation comptes annuels. Affectation résultat. Décharge administrateurs. Divers. (23038) Les Habitations sociales, société anonyme, avenue Reine Astrid 47/49, 5000 Namur R.S.C Namur 7 (Statuts - Recueil spécial : 1891, n° 1879) MM. les actionnaires sont convoqués à l’assemblée générale ordinaire le mardi 28 juin 2005, à 17 h 30 m, au siège social. — Ordre du jour : 1. Rapport du conseil et du commissaire. 2. Approbation des comptes annuels et affectation du résultat de l’exercice. 3. Décharge aux admi- nistrateurs et commissaire. 4. Divers. (23039) Jubile Invest, société anonyme, chaussée Paul Houtart 88, 7110 Houdeng-Goegnies Numéro d’entreprise 0445.570.686 L’assemblée gén ...