Carick
ActiveCarick has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €504k and a net result of €126k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 30% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+18
Solvency36▲+6
Growth85=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.05 in 2024; short-term debt: 88.6% and cash: 1.1% of total assets), and 88.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
11.3%
Return on assets
2.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-03-2026, 59 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
59 d early
2024
83 d early
2023
68 d early
2022
80 d early
2021
82 d early
2020
66 d early
2019
91 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€5.62M▲ 79.7%
2020 · €3.13M
2020: €3.13M
2020 → 2021
EBIT margin
1.8%▲ 0.7pp
2020 · 1.1%
2020: 1.1%
2020 → 2021
Net result
€126k▲ 153%
2024 · €50k
2018: €-8k
2019: €35k
2020: €-25k
2021: €53k
2022: €48k
2023: €132k
2024: €50k
2018 → 2025
Working capital
€484k▲ 38.1%
2024 · €350k
2018: €73k
2019: €107k
2020: €87k
2021: €139k
2022: €192k
2023: €304k
2024: €350k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€5.62M-
Equity€147k-€195k▲ 32.8%€328k▲ 67.7%€378k▲ 15.2%€504k▲ 33.4%
Operating result€101k-€95k▼ 5.6%€229k▲ 141%€173k▼ 24.5%€245k▲ 41.9%
Net result€53k-€48k▼ 8.2%€132k▲ 174%€50k▼ 62.4%€126k▲ 153%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.44M
Fixed assets
€20k▼ 26.8%
Current assets
€4.42M▼ 38.2%
Equity and liabilities €4.44M
Equity
€504k▲ 33.4%
Debt
€3.94M▼ 42.1%
The debt ratio falls from 94.7% to 88.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€249k▲
2024 · €178k
Cash flow
€130k▲
2024 · €55k
Solvency
11.3%▲
2024 · 5.3%
Current ratio
1.12▲
2024 · 1.05
Quick ratio
0.02▼
2024 · 0.02
Debt / equity
7.82▼
2024 · 18.00
ROE
25.0%▲
2024 · 13.2%
ROA
2.8%▲
2024 · 0.7%
Interest coverage
3.43▲
2024 · 1.58
Debt
€3.94M▼
2024 · €6.80M
Debt ≤ 1 year
€3.94M▼
2024 · €6.80M
Income taxes
€47k▲
2024 · €19k
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€7.17M€4.44M▼
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Plant, machinery and equipment23€27k€20k▼
Current assets29/58€7.15M€4.42M▼
Stocks and contracts in progress3€7.03M€4.36M▼
Contracts in progress37€7.03M€4.36M▼
Amounts receivable within one year40/41€22k€9k▼
Trade receivables40€21k€9k▼
Other amounts receivable41€1k-
Cash at bank and in hand54/58€97k€48k▼
Deferred charges and accrued income490/1€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€7.17M€4.44M▼
Equity10/15€378k€504k▲
Contributions10/11€100k€100k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€269k€395k▲
Amounts payable17/49€6.80M€3.94M▼
Amounts payable within one year42/48€6.80M€3.94M▼
Financial debts43€2.00M€1.45M▼
Credit institutions430/8€2.00M€1.45M▼
Trade debts44€495k€350k▼
Suppliers440/4€495k€350k▼
Advances received on contracts in progress46€3.66M€853k▼
Taxes, remuneration and social security45€84k€146k▲
Taxes450/3€84k€146k▲
Other amounts payable47/48€554k€1.14M▲
Accrued charges and deferred income492/3-€269
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€423
Gross operating margin9900€180k€252k▲
Operating profit (loss)9901€173k€245k▲
Financial income75/76B€8k€516▼
Recurring financial income75€8k€516▼
Financial charges65/66B€112k€73k▼
Recurring financial charges65€112k€73k▼
Profit (loss) for the period before taxes9903€69k€173k▲
Income taxes67/77€19k€47k▲
Profit (loss) for the period9904€50k€126k▲
Profit (loss) for the period to be appropriated9905€50k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€269k€395k▲
Profit (loss) brought forward from the previous period14P€219k€269k▲
The notes to these accounts (8 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Equity above €500kEq €504k ▲33.4%
5 profitable years in a row build equity to €504k.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €132k ▲174%
Net result €132k, the highest in the series.
30-09
Financial
Equity above €200kEq €328k ▲67.7%
3 profitable years in a row build equity to €328k.
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €150kEq €195k ▲32.8%
2 profitable years in a row build equity to €195k.
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
30-09
Financial
Equity above €100kEq €147k ▲55.6%
Equity rises from €95k to €147k.
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-25k ▼170%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
30-09
Financial
Equity above €100kEq €119k ▲41.8%
Equity rises from €84k to €119k.
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Kortrijk · 1 establishment unit since 2016
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.
Doorniksewijk(Kor) 498500 KortrijkGround area
4,066 m²
Building footprint
252 m²
Volume, LiDAR
3,461 m³
Parcel 34354C0020/00T009, Flanders · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Carick
since 20162.255.787.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0020/00T009 | Flanders | 4,066 m² | 1 · 252 m² | 17.2 m · 5 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).
Similar companies · same sector, comparable size
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BIEJUCO
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STP IMMO
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LEXSOL
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 4,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2016
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
64200Holdings
64210Activities of holding companies
64921Financial service activities, except insurance and pension funding
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.