CARIOS GROEP
ActiveCARIOS GROEP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €24k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency43▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.22 against 0.2 in 2024; short-term debt: 37% and cash: 0.4% of total assets), and 81.9% of the assets are financed with debt.
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
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
18.1%
Return on assets
2.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
61 d late
2022
51 d late
2021
2 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 1.1%
2024 · €24k
2021: €22k
2022: €18k
2023: €42k
2024: €24k
2021 → 2025
Working capital
€-304k▲ 10.2%
2024 · €-339k
2021: €-381k
2022: €-385k
2023: €-347k
2024: €-339k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€101k▲ 21.2%€143k▲ 41.9%€167k▲ 16.7%€191k▲ 14.1%
Operating result€32k-€25k▼ 21.8%€50k▲ 97.6%€39k▼ 23.2%€39k▲ 0.5%
Net result€22k-€18k▼ 19.0%€42k▲ 140%€24k▼ 43.6%€24k▼ 1.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€970k▼ 4.6%
Current assets
€87k▲ 1.0%
Equity and liabilities €1.06M
Equity
€191k▲ 14.1%
Debt
€866k▼ 7.4%
The debt ratio falls from 84.8% to 81.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €81k
Cash flow
€70k▲
2024 · €66k
Solvency
18.1%▲
2024 · 15.2%
Current ratio
0.22▲
2024 · 0.20
Quick ratio
0.22▲
2024 · 0.20
Debt / equity
4.53▼
2024 · 5.59
ROE
12.4%▼
2024 · 14.3%
ROA
2.2%▲
2024 · 2.2%
Interest coverage
7.76▼
2024 · 10.90
Debt
€866k▼
2024 · €935k
Debt ≤ 1 year
€391k▼
2024 · €424k
Debt > 1 year
€475k▼
2024 · €511k
Income taxes
€4k▼
2024 · €7k
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€1.10M€1.06M▼
Fixed assets21/28€1.02M€970k▼
Tangible fixed assets22/27€1.02M€970k▼
Land and buildings22€1.02M€970k▼
Current assets29/58€86k€87k▲
Amounts receivable within one year40/41€59k€74k▲
Trade receivables40€48k€44k▼
Other amounts receivable41€11k€30k▲
Cash at bank and in hand54/58€16k€4k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.06M▼
Equity10/15€167k€191k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€106k€129k▲
Non-distributable reserves130/1€5k€6k▲
Legal reserve130€5k€6k▲
Distributable reserves133€100k€123k▲
Amounts payable17/49€935k€866k▼
Amounts payable after more than one year17€511k€475k▼
Financial debts170/4€511k€475k▼
Amounts payable within one year42/48€424k€391k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€68k€62k▼
Suppliers440/4€68k€62k▼
Taxes, remuneration and social security45€22k€4k▼
Taxes450/3€20k€1k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€299k€290k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€47k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€84k€89k▲
Operating profit (loss)9901€39k€39k▲
Financial income75/76B€3€122▲
Recurring financial income75€3€122▲
Financial charges65/66B€7k€11k▲
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€31k€28k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€24k€24k▼
Profit (loss) for the period to be appropriated9905€24k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€24k▼
Transfer to equity691/2€24k€24k▼
To the legal reserve6920€1k€861▼
To other reserves6921€23k€23k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €167k ▲16.7%
4 profitable years in a row build equity to €167k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2021net €42k ▲140%
Operating result €50k, net result €42k, both a record.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 51 days late
2022
31-12
Financial
Weakest financial yearnet €18k ▼19%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €101k ▲21.2%
2 profitable years in a row build equity to €101k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Oudsbergen · 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.
Weg naar As 1993660 OudsbergenGround area
2,675 m²
Building footprint
299 m²
Volume, LiDAR
1,695 m³
Parcel 71047A1440/00R010, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARIOS GROEP
since 20202.310.075.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71047A1440/00R010 | Flanders | 2,675 m² | 1 · 299 m² | 7.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 240 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 3,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-08-2020
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.