Carimmo
ActiveSummary
Carimmo has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €6.1m and a net result of €602,905. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 62% of 117 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability77▲+35
Solvency88▲+5
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500,000 at 30 days acceptable
Liquidity ample (current ratio 3.87 against 2.31 in 2025; short-term debt: 3.6% and cash: 1.6% of total assets), and 37.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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 2026Solvency, return and age of the figures
Solvency
62.9%
Return on assets
6.3%
Age of the figures
3 mo
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €6.1m
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 22-09-2026, 131 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
131 d early
2025
43 d early
2024
43 d early
2023
22 d early
2022
6 d early
2021
47 d early
2020
44 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 19 December (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-06-2027 close31-01-2028 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
Equity
€6.1m▲ 11.0%
2025 · €5.5m
Total assets
€9.6m▲ 2.8%
2025 · €9.4m
Net result
€602,905▲ 1,664%
2025 · €34,181
Working capital
€981,375▲ 124%
2025 · €438,457
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€82,309€99,467▲ 20.8%€103,555▲ 4.1%€96,343▼ 7.0%€741,244▲ 669%
Net result€107,119above the sector's middle half-€55,712below the sector's middle half-€136,233below the sector's middle half▼ 145%€34,181above the sector's middle half€602,905▲ 1,664%
Equity€5.6mabove the sector's middle half▲ 0.1%€5.6mabove the sector's middle half▼ 1.0%€5.4mabove the sector's middle half▼ 2.4%€5.5mabove the sector's middle half▲ 0.6%€6.1m▲ 11.0%
Total assets€12.0mabove the sector's middle half▲ 8.8%€11.5mabove the sector's middle half▼ 4.2%€9.7mabove the sector's middle half▼ 15.5%€9.4mabove the sector's middle half▼ 3.3%€9.6m▲ 2.8%
Debt€5.5m▲ 22.7%€5.0m▼ 7.4%€3.5m▼ 31.6%€3.1m▼ 9.0%€2.8m▼ 9.6%
Working capital€811,544above the sector's middle half▼ 7.8%€716,915above the sector's middle half▼ 11.7%€538,548above the sector's middle half▼ 24.9%€438,457above the sector's middle half▼ 18.6%€981,375▲ 124%
Solvency46.9%within the sector's middle half▼ 4.1pp48.5%within the sector's middle half▲ 1.6pp56.0%within the sector's middle half▲ 7.5pp58.2%within the sector's middle half▲ 2.3pp62.9%▲ 4.7pp
Current ratio1.47within the sector's middle half▼ 1.501.44within the sector's middle half▼ 0.032.59within the sector's middle half▲ 1.162.31within the sector's middle half▼ 0.283.87▲ 1.56
Return on assets (ROA)0.9%within the sector's middle half▲ 1.8pp-0.5%within the sector's middle half▼ 1.4pp-1.4%within the sector's middle half▼ 0.9pp0.4%within the sector's middle half▲ 1.8pp6.3%▲ 5.9pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2026 Net result +1,664% on 2025. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 669% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €9.6m
Fixed assets
€8.3m ▼ 3.4%
Current assets
€1.3m ▲ 71.2%
Equity and liabilities €9.6m
Equity
€6.1m ▲ 11.0%
Provisions
€734,762 ▼ 5.4%
Debt
€2.8m ▼ 9.6%
Debt's share of the balance-sheet total falls from 33.5% to 29.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.0m▲
2025 · €404,893
Cash flow
€906,867▲
2025 · €342,731
Debt to equity
0.47▼
2025 · 0.58
ROE
9.9%▲
2025 · 0.6%
Interest coverage
13.07▲
2025 · 2.68
Debt ≤ 1 year
€342,442▲
2025 · €334,629
Debt > 1 year
€2.5m▼
2025 · €2.8m
Income taxes
€254,464▲
2025 · €87,961
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,577 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 97% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.1%
went bankrupt
3.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,577 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €32,695 | €691,540 | ▲ 2,015% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €301,219 | €304,433 | €304,639 | €308,550 | €303,962 | ▼ 1.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €63,915 | €76,971 | €91,092 | €106,435 | €123,581 | ▲ 16.1% |
| Other operating charges640/8 | €33,987 | €36,253 | €40,367 | €41,724 | €44,148 | ▲ 5.8% |
| Gross operating margin9900 | €481,430 | €517,125 | €539,652 | €553,052 | €1.2m | ▲ 119% |
| Operating profit (loss)9901 | €82,309 | €99,467 | €103,555 | €96,343 | €741,244 | ▲ 669% |
| Financial income75/76B | €131,293 | €186,318 | €132,866 | €133,943 | €154,313 | ▲ 15.2% |
| Recurring financial income75 | €131,293 | €186,318 | €132,866 | €133,943 | €154,313 | ▲ 15.2% |
| Financial charges65/66B | €69,009 | €295,474 | €330,222 | €151,000 | €79,946 | ▼ 47.1% |
| Recurring financial charges65 | €69,009 | €295,474 | €330,222 | €151,000 | €79,946 | ▼ 47.1% |
| Profit (loss) for the period before taxes9903 | €144,592 | -€9,688 | -€93,801 | €79,286 | €815,611 | ▲ 929% |
| Transfer from deferred taxes780 | €43,217 | €43,217 | €43,217 | €42,857 | €41,758 | ▼ 2.6% |
| Income taxes67/77 | €80,691 | €89,242 | €85,650 | €87,961 | €254,464 | ▲ 189% |
| Profit (loss) for the period9904 | €107,119 | -€55,712 | -€136,233 | €34,181 | €602,905 | ▲ 1,664% |
| Transfer from tax-exempt reserves789 | €129,651 | €129,651 | €129,651 | €128,570 | €125,273 | ▼ 2.6% |
| Profit (loss) for the period to be appropriated9905 | €236,770 | €73,939 | -€6,582 | €162,751 | €728,178 | ▲ 347% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.0m | €11.5m | €9.7m | €9.4m | €9.6m | ▲ 2.8% |
| Fixed assets21/28 | €9.4m | €9.1m | €8.8m | €8.6m | €8.3m | ▼ 3.4% |
| Tangible fixed assets22/27 | €9.4m | €9.1m | €8.8m | €8.6m | €8.3m | ▼ 3.4% |
| Land and buildings22 | €9.4m | €9.1m | €8.8m | €8.6m | €8.3m | ▼ 3.7% |
| Plant, machinery and equipment23 | €1,861 | €1,396 | €930 | €465 | €0 | ▼ 100% |
| Assets under construction and advance payments27 | - | - | - | €4,000 | €28,000 | ▲ 600% |
| Current assets29/58 | €2.6m | €2.4m | €876,367 | €773,086 | €1.3m | ▲ 71.2% |
| Amounts receivable after more than one year29 | €1.3m | €1.3m | €0 | - | €530,000 | - |
| Other amounts receivable291 | €1.3m | €1.3m | €0 | - | €530,000 | - |
| Amounts receivable within one year40/41 | €558,203 | €572,434 | €550,701 | €586,971 | €577,301 | ▼ 1.6% |
| Trade receivables40 | €15,641 | €18,583 | €18,901 | €19,090 | €18,067 | ▼ 5.4% |
| Other amounts receivable41 | €542,562 | €553,851 | €531,800 | €567,881 | €559,234 | ▼ 1.5% |
| Current investments50/53 | €584,200 | €391,690 | €187,638 | €86,504 | €52,475 | ▼ 39.3% |
| Cash at bank and in hand54/58 | €142,975 | €91,076 | €120,960 | €86,471 | €151,462 | ▲ 75.2% |
| Deferred charges and accrued income490/1 | €16,414 | €47,502 | €17,068 | €13,140 | €12,578 | ▼ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.0m | €11.5m | €9.7m | €9.4m | €9.6m | ▲ 2.8% |
| Equity10/15 | €5.6m | €5.6m | €5.4m | €5.5m | €6.1m | ▲ 11.0% |
| Contributions10/11 | €264,228 | €264,228 | €264,228 | €264,228 | €264,228 | = |
| Capital10 | €264,228 | €264,228 | €264,228 | €264,228 | €264,228 | = |
| Issued capital100 | €264,228 | €264,228 | €264,228 | €264,228 | €264,228 | = |
| Reserves13 | €5.3m | €5.1m | €5.2m | €5.2m | €5.8m | ▲ 11.6% |
| Non-distributable reserves130/1 | €34,328 | €34,328 | €34,328 | €34,328 | €34,328 | = |
| Legal reserve130 | €34,328 | €34,328 | €34,328 | €34,328 | €34,328 | = |
| Tax-exempt reserves132 | €2.7m | €2.6m | €2.5m | €2.3m | €2.2m | ▼ 5.4% |
| Distributable reserves133 | €2.5m | €2.5m | €2.7m | €2.8m | €3.6m | ▲ 25.8% |
| Profit (loss) carried forward14 | €103,432 | €177,370 | €788 | €3,539 | €1,717 | ▼ 51.5% |
| Provisions and deferred taxes16 | €905,811 | €862,594 | €819,377 | €776,520 | €734,762 | ▼ 5.4% |
| Deferred taxes168 | €905,811 | €862,594 | €819,377 | €776,520 | €734,762 | ▼ 5.4% |
| Amounts payable17/49 | €5.5m | €5.0m | €3.5m | €3.1m | €2.8m | ▼ 9.6% |
| Amounts payable after more than one year17 | €3.7m | €3.4m | €3.1m | €2.8m | €2.5m | ▼ 11.2% |
| Financial debts170/4 | €3.7m | €3.4m | €3.1m | €2.8m | €2.5m | ▼ 11.2% |
| Amounts payable within one year42/48 | €1.7m | €1.6m | €337,818 | €334,629 | €342,442 | ▲ 2.3% |
| Current portion of amounts payable after more than one year42 | €304,068 | €309,667 | €314,582 | €319,139 | €323,426 | ▲ 1.3% |
| Financial debts43 | €1.3m | €1.3m | €0 | - | - | - |
| Credit institutions430/8 | €1.3m | €1.3m | €0 | - | - | - |
| Trade debts44 | €12,987 | €25,058 | €21,745 | €13,251 | €18,316 | ▲ 38.2% |
| Suppliers440/4 | €12,987 | €25,058 | €21,745 | €13,251 | €18,316 | ▲ 38.2% |
| Taxes, remuneration and social security45 | €693 | €12,901 | €1,491 | €2,004 | €464 | ▼ 76.8% |
| Taxes450/3 | €693 | €12,901 | €1,491 | €2,004 | €464 | ▼ 76.8% |
| Other amounts payable47/48 | €100,000 | €0 | - | €235 | €235 | = |
| Accrued charges and deferred income492/3 | €16,922 | €14,372 | €20,135 | €18,606 | €19,637 | ▲ 5.5% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107,119 | -€55,712 | -€136,233 | €34,181 | €602,905 | ▲ 1,664% |
| + Depreciation and write-downs630 | €301,219 | €304,433 | €304,639 | €308,550 | €303,962 | ▼ 1.5% |
| Operating cash flow (approximation) | €408,338 | €248,721 | €168,405 | €342,731 | €906,867 | ▲ 165% |
| Investment in fixed assets (approximation) | - | €0 | -€7,270 | -€91,857 | -€12,040 | ▲ 86.9% |
| Change in cash | - | -€51,899 | €29,883 | -€34,489 | €64,991 | ▲ 288% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
25-09
State Gazette act
Reappointments: Jan De Graeve, Tom De Graeve and Carlos De Graeve6 facts ▸
State Gazette act
Reappointments: Jan De Graeve, Tom De Graeve and Carlos De Graeve
6 facts ▸
- General meeting, 21-09-2026
- Director reappointment, Jan De Graeve (director)
- Director reappointment, Tom De Graeve (director)
- Director reappointment, Carlos De Graeve (director)
- Board meeting, 21-09-2026
- Director reappointment, Jan De Graeve (managing director)
22-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-06
Financial
Highest result since 2019net €602,905 ▲1,664%
Operating result €741,244, net result €602,905, both a record.
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €34,181
Net result €34,181 after 2 loss-making years.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet -€136,233
Net result drops to -€136,233, the lowest in the series; recovery starts the following year.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €107,119
Net result €107,119 after one loss-making year.
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26365248). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 3
Carlos De Graeve
CurrentDirector · since 21-09-2026
Jan De Graeve
CurrentDirector · since 21-09-2026
Tom De Graeve
CurrentDirector · since 21-09-2026
Day-to-day management 1
Jan De Graeve
CurrentManaging director · since 21-09-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1982
Ground area
3,120 m²
Building footprint
891 m²
Volume, LiDAR
195 m³
Parcel 44062A0275/00F003, Flanders · tallest building 14.7 m. Linked by address, not a title deed.
23
companies at this address
See who is registered here
1 establishment unit
Kortrijksesteenweg 1052, 9051 Gent
since 19822.022.460.589
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062A0275/00F003 | Flanders | 3,120 m² | 1 · 891 m² | 14.7 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
3 people since 2026, 3 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Carlos De Graeve |
|
| Jan De Graeve |
|
| Tom De Graeve |
|
Structure & network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Recognitions · licences · registrations
Legal Entity Identifier
699400Q4S0C3I4B9IA11
Similar companies · same sector, comparable size
CARROQUAD
BE 0433.805.081
Villers-le-Bouillet · Eq €6,052,335
AERTSEN BEHEER
BE 0430.376.429
Wuustwezel · Eq €6,046,718
ESPACE DIDIER
BE 0465.432.130
Marche-en-Famenne · Eq €6,045,709
GAMA COMPANY
BE 0417.445.141
Brugge · Eq €6,089,565
GESTION FINANCE IMMOBILIER ET CO
BE 0439.781.469
Wavre · Eq €6,023,882
Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 1,461 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-06-1978
Fiscal year end30-06
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0418635766
Also
9925:BE0418635766
Registered
18-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationOrdinary general meeting
Agenda
1. Lezing van het jaarverslag. 2. Bespreking en goedkeuring van de jaarvergadering afgesloten per 31 december 2012. 3. Kwijting. 4. Ontslag en benoeming bestuurders. De raad van bestuur.