CARIOLO 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 €12.45M and a net result of €459k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 5507 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
28 d late
2023
70 d late
2022
53 d early
2021
29 d late
2020
27 d late
2019
27 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€12.45M▲ 3.0%
2024 · €12.09M
2018: €8.76M
2019: €8.87M
2021: €10.06M
2022: €10.16M
2024: €12.09M
2018 → 2025
Net result
€459k▼ 78.6%
2024 · €2.15M
2018: €1.34M
2019: €112k
2021: €406k
2022: €106k
2024: €2.15M
2018 → 2025
Total assets
€12.52M▲ 2.8%
2024 · €12.18M
2018: €8.79M
2019: €8.89M
2021: €10.23M
2022: €10.20M
2024: €12.18M
2018 → 2025
Solvency
99.4%▲ 0.1pp
2024 · 99.3%
2018: 99.6%
2019: 99.7%
2021: 98.3%
2022: 99.6%
2024: 99.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220242025Trend
Equity€8.87M-€10.06M▲ 13.4%€10.16M▲ 1.1%€12.09M▲ 18.9%€12.45M▲ 3.0%
Operating result€168k-€431k▲ 156%€128k▼ 70.2%€423k▲ 230%€453k▲ 7.2%
Net result€112k-€406k▲ 264%€106k▼ 73.9%€2.15M▲ 1,930%€459k▼ 78.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.52M
Fixed assets
€5.66M▼ 2.0%
Current assets
€6.86M▲ 7.2%
Equity and liabilities €12.52M
Equity
€12.45M▲ 3.0%
Debt
€76k▼ 15.4%
The debt ratio falls from 0.7% to 0.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.4%▲
2024 · 99.3%
ROE
3.7%▼
2024 · 17.8%
ROA
3.7%▼
2024 · 17.6%
Debt
€76k▼
2024 · €90k
Debt ≤ 1 year
€76k▼
2024 · €90k
Income taxes
€164k▲
2024 · €91k
Staff costs
€22k▲
2024 · €21k
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€12.18M€12.52M▲
Fixed assets21/28€5.77M€5.66M▼
Tangible fixed assets22/27€1.72M€1.60M▼
Land and buildings22€1.52M€1.42M▼
Plant, machinery and equipment23€396€179▼
Furniture and vehicles24€106k€81k▼
Other tangible fixed assets26€95k€100k▲
Financial fixed assets28€4.05M€4.05M=
Current assets29/58€6.40M€6.86M▲
Amounts receivable after more than one year29€4.98M€3.87M▼
Other amounts receivable291€4.98M€3.87M▼
Amounts receivable within one year40/41€59k€15k▼
Trade receivables40€19k€14k▼
Other amounts receivable41€40k€769▼
Current investments50/53€1.19M€2.71M▲
Cash at bank and in hand54/58€168k€260k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€12.18M€12.52M▲
Equity10/15€12.09M€12.45M▲
Contributions10/11€6.75M€6.75M=
Reserves13€5.34M€5.70M▲
Non-distributable reserves130/1€283k€283k=
Reserves not available under the articles1311€283k€283k=
Tax-exempt reserves132€65k€0▼
Distributable reserves133€4.99M€5.41M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€90k€76k▼
Amounts payable within one year42/48€90k€76k▼
Trade debts44€13k€3k▼
Suppliers440/4€13k€3k▼
Taxes, remuneration and social security45€58k€73k▲
Taxes450/3€58k€70k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€19k€0▼
Income statement
Code20242025
Non-recurring operating income76A€180k€0▼
Remuneration, social security and pensions62€21k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123k€117k▼
Other operating charges640/8€10k€7k▼
Non-recurring operating charges66A€266€0▼
Gross operating margin9900€577k€599k▲
Operating profit (loss)9901€423k€453k▲
Financial income75/76B€1.82M€171k▼
Recurring financial income75€1.82M€171k▼
Financial charges65/66B€681€92▼
Recurring financial charges65€681€92▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€2.24M€623k▼
Income taxes67/77€91k€164k▲
Profit (loss) for the period9904€2.15M€459k▼
Transfer from tax-exempt reserves789-€65k
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€2.15M€524k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.32M€524k▼
Profit (loss) brought forward from the previous period14P€-825k€0▲
Transfer from equity791/2-€100k
Transfer to equity691/2€1.32M€524k▼
To other reserves6921€1.32M€524k▼
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (16 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €2.15M ▲1930%
Net result €2.15M, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 70 days late
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €106k ▼73.9%
Net result drops to €106k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 75.86
Current ratio from 20.15 to 75.86; short-term debt falls from €170k to €41k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Equity above €10MEq €10.06M ▲13.4%
3 profitable years in a row build equity to €10.06M.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hamont-Achel · 1 establishment unit since 2012
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.
Eind 403930 Hamont-AchelGround area
4,749 m²
Building footprint
295 m²
Volume, LiDAR
1,390 m³
Parcel 72001A0308/00X000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Cariolo
since 20122.209.927.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0308/00X000 | Flanders | 4,749 m² | 1 · 295 m² | 7.8 m · 1 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
GROUP MC
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AGGERIS
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CONSULTANCY, RESEARCH AND DISTRIBUTION
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 5,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.