CARIELLE
ActiveThe computed 12-month bankruptcy probability of CARIELLE is 1.5% (moderate). The 2025 annual accounts show negative equity (€-2k) and a net result of €-53k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 214 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
Axes · tick = 2024
Profitability100=
Solvency67▲+22
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 98.85 against 0.28 in 2024), but equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
-8.3%
Return on assets
-191.2%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€2k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
18 d late
2024
41 d early
2023
24 d early
2022
53 d early
2021
31 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-2k
2024 · €51k
2021: €21k
2022: €31k
2023: €41k
2024: €51k
2021 → 2025
Total assets
€28k▼ 80.3%
2024 · €142k
2021: €142k
2022: €142k
2023: €143k
2024: €142k
2021 → 2025
Net result
€-53k
2024 · €10k
2021: €16k
2022: €10k
2023: €10k
2024: €10k
2021 → 2025
Working capital
€27k
2024 · €-14k
2021: €-7k
2022: €-9k
2023: €-11k
2024: €-14k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€31k▲ 49.1%€41k▲ 32.8%€51k▲ 25.4%€-2k
Operating result€23k-€15k▼ 34.7%€15k▼ 1.6%€15k▲ 2.1%€-4k
Net result€16k-€10k▼ 35.2%€10k▼ 0.4%€10k▲ 2.7%€-53k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €15k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€1k▼ 99.2%
Current assets
€27k▲ 403%
Key figures and ratios
EBITDA
€-4k▼
2024 · €16k
Cash flow
€-53k▼
2024 · €11k
Solvency
-8.3%▼
2024 · 36.0%
Current ratio
98.85▲
2024 · 0.28
Quick ratio
98.85▲
2024 · 0.28
Debt / equity
-13.06▼
2024 · 1.78
ROA
-191.2%▼
2024 · 7.3%
Interest coverage
-6.42▼
2024 · 14.27
Debt
€30k▼
2024 · €91k
Debt ≤ 1 year
€272▼
2024 · €19k
Debt > 1 year
€30k▼
2024 · €72k
Income taxes
€-85▼
2024 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €28k, equity €-2k).
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€142k€28k▼
Fixed assets21/28€137k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€148€10▼
Furniture and vehicles24€1k€620▼
Other tangible fixed assets26€568€473▼
Financial fixed assets28€135k-
Current assets29/58€5k€27k▲
Amounts receivable within one year40/41€44€5k▲
Other amounts receivable41€44€5k▲
Current investments50/53-€21k
Cash at bank and in hand54/58€5k-
Deferred charges and accrued income490/1€178€187▲
Equity and liabilities
Total equity and liabilities10/49€142k€28k▼
Equity10/15€51k€-2k▼
Contributions10/11€5k€5k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14-€-53k
Amounts payable17/49€91k€30k▼
Amounts payable after more than one year17€72k€30k▼
Financial debts170/4€72k€30k▼
Amounts payable within one year42/48€19k€272▼
Current portion of amounts payable after more than one year42€12k-
Financial debts43-€244
Credit institutions430/8-€244
Trade debts44€3k€28▼
Suppliers440/4€3k€28▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€438€646▲
Other operating charges640/8€425€172▼
Gross operating margin9900€16k€-4k▼
Operating profit (loss)9901€15k€-4k▼
Financial income75/76B€3€1k▲
Recurring financial income75€3€1k▲
Financial charges65/66B€1k€50k▲
Recurring financial charges65€1k€581▼
Non-recurring financial charges66B-€50k
Profit (loss) for the period before taxes9903€14k€-54k▼
Income taxes67/77€4k€-85▼
Profit (loss) for the period9904€10k€-53k▼
Profit (loss) for the period to be appropriated9905€10k€-53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-53k▼
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (9 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €-53k ▼617%
Net result drops to €-53k, the lowest in the series.
31-12
Financial
Liquidity times 350current ratio 98.85
Current ratio from 0.28 to 98.85; short-term debt falls from €19k to €272.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dendermonde · 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.
Gentsesteenweg (DEN) 819200 DendermondeGround area
290 m²
Building footprint
80 m²
Volume, LiDAR
669 m³
Parcel 42006B0778/00T000, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CARIELLE
since 20202.298.494.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006B0778/00T000 | Flanders | 290 m² | 1 · 80 m² | 11.9 m · 3 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
GERALDINE RAULIER
BE 1001.855.887
Erquelinnes · Eq €51k
Les Blondes
BE 0805.938.752
Antwerpen · Eq €52k
ARTHABILIS
BE 0473.162.832
Genappe · Eq €49k
GUINNOT
BE 0719.977.352
Nijlen · Eq €53k
ARIA DESIGNS
BE 0677.965.464
Antwerpen · Eq €55k
Of 1,524 companies in sector 32123 we hold annual accounts for 225. 179 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2020
Fiscal year end31-12
Activities, NACEBEL
32123Manufacture of jewellery
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.