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CARI-DESIGN

Active
Private limited companyfounded 1989active for 37 yearsVieille Cour 58, 1402 Nivelles, BelgiumKBO/BCE: BE 0437.255.214
Summary

CARI-DESIGN has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €419,697 and a net result of -€46,008. Equity has been shrinking by about 11% per year since 2018. Its solvency ranks better than 59% of 22,817 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 06-04-1989 Normal situation
Activity
Retail trade NACE 47523and 1 other
Joint committees
200 Auxiliary committee for white-collar workers
124 Construction · annual accounts 2025
Establishment unit
2.043.995.876 1400 Nivelles, since 04-07-1989
Financial year end
31 December
Peppol
Reachable since 01-09-2026

Board and ownership

Board
  • CARICHAPDirector · permanent representative Charles RIBANT
Shareholders

Financial position

82 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€223,555
▼ 7.7%
Turnover
≈ €1.3m
estimated
Loss
€46,008
Equity
€419,697
▼ 10.1%
Total assets
€962,878
▲ 64.2%
Employees on 31-12-2025
3
=
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLoss of €46,008 (financial year 2025)Last filed accounts filed 31 days late; 1 of the last 3 accounts lateSector: Retail trade (NACE 47)lowers riskSize: total assets €962,878Show the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 39% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 69-31
equity 43.6% of total assets
Liquidity 48-42
short-term debt 21.0% · cash 3.8%
Profitability 31-43
return on assets -4.8%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: < 0.1%▼ -0.1 percentage points vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▲ +0.3 percentage points vs 08-2026highest value 10-2026: 0.4%● unchanged vs 09-2026highest value 11-2026: 0.4%● unchanged vs 10-2026highest value
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.8 (3.69 in 2024), above the usual 1.5. Short-term debt is 21% and cash 3.8% of total assets. However, 56.4% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 58% of them on solvency, 48% on liquidity, 25% on profitability and 26% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
raises risk · Loss of €46,008 (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €962,878
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
28 days late
2023
51 days early
2022
41 days early
2021
27 days early
2020
5 days early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (4 of the last 5 accounts filed within 55 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €25,468 in 2024 -€46,008 View
  • Caution: Lower net result than 95% of companies in retail tradesector median €5,084 · 22,799 companies -€46,008 View

Recent changes

  1. · Gazette deed Company renamed from CARRELAGES MACCAGNAN to CARI-DESIGNIMMOBILIERE SOGERIM holds all the shares
  2. · Gazette deed 1 director appointed, 1 director resigningResignation: Flavio MACCAGNAN (director) · Appointment: CARICHAP (director) · Permanent representative: Charles RIBANT
  3. · Gazette deed Change of role: MACCAGNAN Flavio, from manager to director
All 17 events

Comparable companies

These companies have the same main activity as CARI-DESIGN: retail trade (NACE 47523). They are comparable in size and age: total assets between €488,000 and €1.6m, founded between 1990 and 2003.

CompanyTotal assetsGross margin
CARI-DESIGN Nivelles€1.0m€0.2m
TEGELS V.D.S. Ninove€0.7m€0.3m
J.B.F. CARRELAGES Marche-en-Famenne€1.1m€0.3m
VLOEREN BEKé Ninove€1.5m€0.4m
CONDUCTO Temse€0.7m€0.2m
C A R O B E L Liège€1.6m€0.2m
BOUWSPECIALITEITEN MERTENS Balen€0.5m€0.1m
Full comparison

Key facts about CARI-DESIGN

What is the company number of CARI-DESIGN?
The company number of CARI-DESIGN is 0437.255.214. The VAT number is the same number with BE in front: BE 0437.255.214.
Where is CARI-DESIGN based?
The registered office is at Vieille Cour 58, 1402 Nivelles.Company details
What does CARI-DESIGN do?
According to the KBO register, the main activity is retail trade (NACE 47523).
What is the legal form of CARI-DESIGN?
CARI-DESIGN is a private limited company (BV).
When was CARI-DESIGN founded?
CARI-DESIGN was founded on 06-04-1989.
Is CARI-DESIGN still active?
Yes, CARI-DESIGN is an active enterprise in the KBO register.
How many employees does CARI-DESIGN have?
CARI-DESIGN had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does CARI-DESIGN fall under?
In its 2025 annual accounts, CARI-DESIGN states joint committees 200 (Auxiliary committee for white-collar workers) and 124 (Construction).
What is the turnover of CARI-DESIGN?
The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €223,555 and 33 comparable companies (NACE 475). It probably lies between €970,000 and €1.9m. In financial year 2022 turnover was €553,650.
Is CARI-DESIGN profitable?
In financial year 2025, CARI-DESIGN made a loss of €46,008.
Where can I find the annual accounts of CARI-DESIGN?
CARI-DESIGN filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CARI-DESIGN due?
CARI-DESIGN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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