Checked.be
Active
BE 0771.430.607Private limited company
Caretaker Trading
Avenue Franklin Roosevelt 104 ·1330 Rixensart, Belgium· 5 yrs active
Sector: Computer programming
(62100)
Conclusion
Caretaker Trading has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €277k and a net result of €11k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 7351 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €277k |
| Net result | €11k |
| Better than sector | 93% |
| Active | 5 yrs |
Financial profile
69
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
20
Solvency
100
Growth
52
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€22k
estimate, not credit advice
Score history
85
2022
85
2023
78
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 11.33 (≥ 1.5)
+10
Quick ratio
Quick ratio 11.33 (≥ 1.0)
+5
Leverage
Debt/equity 0.10 (< 1.0)
+10
Profitability
ROE 4%
+3
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
At this pace, gross margin would indicatively turn negative around fiscal year 2025, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 91.2% | 65.0% | |
| Net result | €11k | €32k | |
| Equity | €277k | €58k | |
| Gross operating margin | €33k | €52k | |
| Total assets | €304k | €103k |
€11k
-83.1%
22-24
€304k
+5.7%
22-24
€277k
+4.2%
22-24
€276k
+4.2%
22-24
€5k
-70.5%
22-24
€27k
+24.3%
22-24
€27k
+24.3%
22-24
11.33
-14.9%
22-24
11.33
-14.9%
22-24
91.2%
-1.4%
22-24
0.10
+19.3%
22-24
4.0%
-83.8%
22-24
3.7%
-84.0%
22-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Deposit | micro schema | micro schema | full schema |
| Revenue | - | - | - |
| EBITDA | - | - | - |
| Net profit | €11k | €66k | €200k |
| Cash flow | - | - | - |
| Staff costs | - | - | - |
| Income taxes | €5k | €16k | €60k |
| Dividends | - | - | - |
| Total assets | €304k | €288k | €392k |
| Equity | €277k | €266k | €200k |
| Debt | €27k | €21k | €191k |
| of which ≤ 1y | €27k | €21k | €191k |
| of which > 1y | - | - | - |
| Working capital | €276k | €265k | €199k |
| Employees (FTE) | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Current ratio | 11.33 | 13.32 | 2.04 |
| Quick ratio | 11.33 | 13.32 | 2.04 |
| Working capital ratio | 90.7% | 92.0% | 50.8% |
| Solvency | 91.2% | 92.5% | 51.2% |
| Debt / equity | 0.10 | 0.08 | 0.95 |
| Long-term debt ratio | - | - | - |
| Interest coverage | - | - | - |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 3.7% | 22.9% | 51.2% |
| ROE | 4.0% | 24.7% | 100.0% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €304k | €288k | €392k |
| Fixed assets | 21/28 | - | €2k | €2k |
| Formation expenses | 20 | €2k | - | - |
| Intangible fixed assets | 21 | - | €2k | €2k |
| Current assets | 29/58 | €303k | €286k | €390k |
| Amounts receivable within one year | 40/41 | €142k | €163k | €248k |
| Cash & bank | 54/58 | €160k | €123k | €143k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €304k | €288k | €392k |
| Equity | 10/15 | €277k | €266k | €200k |
| Accumulated profits (losses) | 14 | €277k | €266k | €200k |
| Amounts payable | 17/49 | €27k | €21k | €191k |
| Amounts payable within one year | 42/48 | €27k | €21k | €191k |
| Trade debts payable within one year | 44 | €662 | €0 | €120k |
| Income statement | ||||
| Gross operating margin | 9900 | €33k | €76k | €259k |
| Operating result | 9901 | €32k | €76k | €258k |
| Financial income | 75 | €8k | €6k | €3k |
| Financial charges | 65 | €24k | €15 | €535 |
| Result before taxes | 9903 | €16k | €82k | €261k |
| Income taxes | 67/77 | €5k | €16k | €60k |
| Net result for the period | 9904 | €11k | €66k | €200k |
| Result to be appropriated | 9905 | €11k | €66k | €200k |
Legal Structure
| NACE primary | Computer programming(62100) |
| Legal form | Private limited company(610) |
| Incorporation | 15-07-2021 |
| Status | Active |
| Postal code | 1330 |
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033B0525/00T002 | Wallonia | 2,544 m² | 1 · 1,570 m² | - |
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.
Updates
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €11k ▼83.1%
Net result drops to €11k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Liquidity times 7current ratio 13.32
Current ratio from 2.04 to 13.32; short-term debt falls from €191k to €21k.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Computer programming, consultancy and related activities62010Computer programming62100
Names & trade names
| Legal nameFR | Caretaker Trading |
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