Summary
Carimmo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €693,708 and a net result of -€1,285. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 2451 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
35 d early
2023
26 d early
2022
13 d early
2021
17 d early
2020
3 d early
2019
9 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 18 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 8 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#10 oldest company in Kortrijk, Finance and insurance sector
Equity
€693,708▼ 0.6%
2024 · €697,872
Net result
-€1,285▲ 9.2%
2024 · -€1,416
Total assets
€703,190▼ 0.4%
2024 · €705,836
Solvency
98.7%▼ 0.2pp
2024 · 98.9%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€458,660-€3,823-€5,804▼ 51.8%-€5,748▲ 1.0%-€5,615▲ 2.3%
Net result€357,384above the sector's middle half€17,823within the sector's middle half▼ 95.0%-€4,346below the sector's middle half-€1,416below the sector's middle half▲ 67.4%-€1,285within the sector's middle half▲ 9.2%
Equity€688,690within the sector's middle half▲ 108%€706,513within the sector's middle half▲ 2.6%€702,166within the sector's middle half▼ 0.6%€697,872within the sector's middle half▼ 0.6%€693,708below the sector's middle half▼ 0.6%
Total assets€774,470within the sector's middle half▲ 99.2%€717,441within the sector's middle half▼ 7.4%€706,692within the sector's middle half▼ 1.5%€705,836within the sector's middle half▼ 0.1%€703,190below the sector's middle half▼ 0.4%
Debt€78,370▲ 61.0%€5,000▼ 93.6%€80▼ 98.4%€5,000▲ 6,167%€8,000▲ 60.0%
Working capital€696,100above the sector's middle half€712,441above the sector's middle half▲ 2.3%€706,612above the sector's middle half▼ 0.8%€700,836above the sector's middle half▼ 0.8%€695,190within the sector's middle half▼ 0.8%
Solvency88.9%above the sector's middle half▲ 3.7pp98.5%above the sector's middle half▲ 9.6pp99.4%above the sector's middle half▲ 0.9pp98.9%above the sector's middle half▼ 0.5pp98.7%above the sector's middle half▼ 0.2pp
Current ratio9.88above the sector's middle half▲ 9.7287.90above the sector's middle half
Return on assets (ROA)46.1%above the sector's middle half▲ 54.9pp2.5%within the sector's middle half▼ 43.7pp-0.6%below the sector's middle half▼ 3.1pp-0.2%below the sector's middle half▲ 0.4pp-0.2%below the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5,615 in 2025 against €5,748 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €703,190
Equity
€693,708 ▼ 0.6%
Provisions
€1,482 ▼ 50.0%
Debt
€8,000 ▲ 60.0%
Debt's share of the balance-sheet total rises from 0.7% to 1.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.2%▲
2024 · -0.2%
Debt ≤ 1 year
€8,000▲
2024 · €5,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €14,321 | €535 | €664 | €648 | €128 | ▼ 80.3% |
| Gross operating margin9900 | €472,981 | -€3,288 | -€5,140 | -€5,099 | -€5,487 | ▼ 7.6% |
| Operating profit (loss)9901 | €458,660 | -€3,823 | -€5,804 | -€5,748 | -€5,615 | ▲ 2.3% |
| Financial charges65/66B | €469 | €238 | €24 | €29 | €30 | ▲ 5.3% |
| Recurring financial charges65 | €469 | €238 | €24 | €29 | €30 | ▲ 5.3% |
| Profit (loss) for the period before taxes9903 | €458,192 | -€4,061 | -€5,828 | -€5,776 | -€5,645 | ▲ 2.3% |
| Transfer from deferred taxes780 | €1,482 | €1,482 | €1,482 | €4,360 | €4,360 | = |
| Income taxes67/77 | €102,290 | -€20,402 | - | - | - | - |
| Profit (loss) for the period9904 | €357,384 | €17,823 | -€4,346 | -€1,416 | -€1,285 | ▲ 9.2% |
| Transfer from tax-exempt reserves789 | €2,878 | €2,878 | €2,878 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €360,262 | €20,701 | -€1,468 | -€1,416 | -€1,285 | ▲ 9.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €774,470 | €717,441 | €706,692 | €705,836 | €703,190 | ▼ 0.4% |
| Current assets29/58 | €774,470 | €717,441 | €706,692 | €705,836 | €703,190 | ▼ 0.4% |
| Amounts receivable within one year40/41 | €652,750 | €669,402 | €699,000 | €699,000 | €699,000 | = |
| Trade receivables40 | €3,750 | - | - | - | - | - |
| Other amounts receivable41 | €649,000 | €669,402 | €699,000 | €699,000 | €699,000 | = |
| Current investments50/53 | €50 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €121,671 | €48,039 | €7,692 | €6,836 | €4,190 | ▼ 38.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €774,470 | €717,441 | €706,692 | €705,836 | €703,190 | ▼ 0.4% |
| Equity10/15 | €688,690 | €706,513 | €702,166 | €697,872 | €693,708 | ▼ 0.6% |
| Contributions10/11 | €239,217 | €239,217 | €239,217 | €239,217 | €239,217 | = |
| Capital10 | €226,327 | €226,327 | €226,327 | €226,327 | €226,327 | = |
| Issued capital100 | €226,327 | €226,327 | €226,327 | €226,327 | €226,327 | = |
| Outside capital11 | €12,890 | €12,890 | €12,890 | €12,890 | €12,890 | = |
| Share premium1100/10 | €12,890 | €12,890 | €12,890 | €12,890 | €12,890 | = |
| Reserves13 | €225,182 | €222,304 | €219,426 | €216,548 | €213,670 | ▼ 1.3% |
| Non-distributable reserves130/1 | €22,633 | €22,633 | €22,633 | €22,633 | €22,633 | = |
| Legal reserve130 | €22,633 | €22,633 | €22,633 | €22,633 | €22,633 | = |
| Tax-exempt reserves132 | €14,390 | €11,512 | €8,634 | €5,756 | €2,878 | ▼ 50.0% |
| Distributable reserves133 | €188,159 | €188,159 | €188,159 | €188,159 | €188,159 | = |
| Profit (loss) carried forward14 | €224,291 | €244,992 | €243,523 | €242,107 | €240,822 | ▼ 0.5% |
| Provisions and deferred taxes16 | €7,410 | €5,928 | €4,446 | €2,964 | €1,482 | ▼ 50.0% |
| Deferred taxes168 | €7,410 | €5,928 | €4,446 | €2,964 | €1,482 | ▼ 50.0% |
| Amounts payable17/49 | €78,370 | €5,000 | €80 | €5,000 | €8,000 | ▲ 60.0% |
| Amounts payable within one year42/48 | €78,370 | €5,000 | €80 | €5,000 | €8,000 | ▲ 60.0% |
| Current portion of amounts payable after more than one year42 | €18,000 | - | - | - | - | - |
| Trade debts44 | €59,441 | €5,000 | €80 | €5,000 | €5,000 | = |
| Suppliers440/4 | €59,441 | €5,000 | €80 | €5,000 | €5,000 | = |
| Other amounts payable47/48 | €930 | - | - | - | €3,000 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €357,384 | €17,823 | -€4,346 | -€1,416 | -€1,285 | ▲ 9.2% |
| Operating cash flow (approximation) | €357,384 | €17,823 | -€4,346 | -€1,416 | -€1,285 | ▲ 9.2% |
| Change in cash | - | -€73,632 | -€40,347 | -€856 | -€2,645 | ▼ 209% |
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 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 62current ratio 8858.01
Current ratio from 143.49 to 8858.01; short-term debt falls from €5,000 to €80.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 15current ratio 143.49
Current ratio from 9.88 to 143.49; short-term debt falls from €78,370 to €5,000.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €357,384
Net result €357,384 after 3 loss-making years.
31-12
Financial
Liquidity times 61current ratio 9.88
Current ratio from 0.16 to 9.88.
31-12
Financial
Equity above €500,000Eq €688,690 ▲108%
Equity rises from €331,306 to €688,690.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€34,162
Net result drops to -€34,162, the lowest in the series; recovery starts the following year.
Show earlier events
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 1986
Ground area
5,522 m²
Building footprint
3,018 m²
Volume, LiDAR
36,017 m³
Parcel 34352F0752/00N000, Flanders · tallest building 20.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CARIMMO
since 19862.036.172.332
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352F0752/00N000 | Flanders | 5,522 m² | 1 · 3,018 m² | 20.1 m · 4 fl. |
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.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,333 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded18-01-1985
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening per 31/12/2008. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC-1-9-00066/14.05)
Scores and ratios are computed by Checked and are not a credit decision.