CARIATI
ActiveSummary
The computed 12-month bankruptcy probability of CARIATI is 3.5% (moderate). The 2025 annual accounts show negative equity (€-17k) and a net result of €-12k. Equity is shrinking by ~67.6% per year across the filed fiscal years. Its solvency ranks better than 7% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
15
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+3
Solvency6▼-14
Growth32=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82 against 0.92 in 2024; short-term debt: 115.9% and cash: 1.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
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
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-18.7%
Return on assets
-12.7%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-17k
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-08-2026, 202 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
202 d late
2024
1 d early
2023
140 d late
2022
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-17k▼ 211%
2024 · €-6k
2022: €20k
2023: €28k
2024: €-6k
2022 → 2025
Total assets
€93k▼ 9.4%
2024 · €103k
2022: €71k
2023: €108k
2024: €103k
2022 → 2025
Net result
€-12k▲ 64.4%
2024 · €-33k
2022: €18k
2023: €8k
2024: €-33k
2022 → 2025
Working capital
€-19k▼ 125%
2024 · €-8k
2022: €20k
2023: €21k
2024: €-8k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€28k▲ 37.6%€-6k€-17k▼ 211%
Operating result€28k-€14k▼ 49.0%€-32k€-11k▲ 66.5%
Net result€18k-€8k▼ 57.1%€-33k€-12k▲ 64.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€4k ▼ 22.3%
Current assets
€89k ▼ 8.7%
Key figures and ratios
EBITDA
€-9k▲
2024 · €-29k
Cash flow
€-10k▲
2024 · €-30k
Solvency
-18.7%▼
2024 · -5.4%
Current ratio
0.82▼
2024 · 0.92
Debt to equity
-6.35▲
2024 · -19.35
ROA
-12.7%▲
2024 · -32.3%
Interest coverage
-8.01▲
2024 · -30.06
Debt
€111k▲
2024 · €108k
Debt ≤ 1 year
€108k▲
2024 · €106k
Debt > 1 year
€3k=
2024 · €3k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€93k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€1k€308▼
Furniture and vehicles24€4k€4k▼
Current assets29/58€97k€89k▼
Amounts receivable within one year40/41€95k€87k▼
Trade receivables40€87k€86k▼
Other amounts receivable41€8k€1k▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1-€540
Equity and liabilities
Total equity and liabilities10/49€103k€93k▼
Equity10/15€-6k€-17k▼
Contributions10/11€3k€3k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€-33k€-45k▼
Amounts payable17/49€108k€111k▲
Amounts payable after more than one year17€3k€3k=
Financial debts170/4€3k€3k=
Amounts payable within one year42/48€106k€108k▲
Current portion of amounts payable after more than one year42€9k€3k▼
Financial debts43€7k-
Other loans439€7k-
Trade debts44€72k€101k▲
Suppliers440/4€66k€101k▲
Bills of exchange payable441€6k-
Taxes, remuneration and social security45€10k-
Taxes450/3€7k-
Remuneration and social security454/9€3k-
Other amounts payable47/48€8k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€823▼
Gross operating margin9900€-27k€-8k▲
Operating profit (loss)9901€-32k€-11k▲
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€953€1k▲
Recurring financial charges65€953€1k▲
Profit (loss) for the period before taxes9903€-33k€-12k▲
Income taxes67/77€195-
Profit (loss) for the period9904€-33k€-12k▲
Profit (loss) for the period to be appropriated9905€-33k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-45k▼
Profit (loss) brought forward from the previous period14P-€-33k
The notes to these accounts (4 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 202 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-33k ▼541%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 140 days late
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Genk · 1 establishment unit since 2020
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.
Timkensbergstraat 993600 GenkGround area
1,049 m²
Building footprint
204 m²
Volume, LiDAR
986 m³
Parcel 71303B1088/00P002, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARIATI
since 20202.311.272.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B1088/00P002 | Flanders | 1,049 m² | 1 · 204 m² | 7.0 m · 2 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.
Similar companies · same sector, comparable size
Sanova
BE 0787.819.449
Genk · Eq €27,640
CAPODICI
BE 0872.729.289
La Louvière · Eq €27,663
PROCLIM Energie
BE 0803.560.569
Ouffet · Eq €27,693
JBE Technics
BE 0758.368.665
Turnhout · Eq €27,699
GANGOLF
BE 1007.585.124
Sankt Vith · Eq €27,458
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,933 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2020
Fiscal year end30-06
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:cariati@telenet.be
Phone:0477/316710