CARISMA
ActiveCARISMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €-25k. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+6
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.76 against 2.94 in 2024; short-term debt: 6.9% and cash: 2.6% of total assets), and 17.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-25k
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
27 d early
2023
26 d early
2022
53 d early
2021
36 d early
2020
30 d early
2019
19 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€24k▼ 14.7%
2021 · €29k
2018: €22k
2019: €21k
2021: €29k
2018 → 2022
EBIT margin
-75.3%▼ 34.6pp
2021 · -40.7%
2018: -127.1%
2019: -134.9%
2021: -40.7%
2018 → 2022
Net result
€-25k▲ 36.9%
2024 · €-39k
2018: €-21k
2019: €-17k
2020: €-3k
2021: €-3k
2022: €-12k
2023: €-18k
2024: €-39k
2018 → 2025
Working capital
€-4k
2024 · €22k
2018: €50k
2019: €41k
2020: €48k
2021: €53k
2022: €44k
2023: €30k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€29k-€24k▼ 14.7%
Equity€314k-€299k▼ 4.8%€278k▼ 7.0%€239k▼ 14.1%€214k▼ 10.3%
Operating result€-12k-€-18k▼ 57.7%€-25k▼ 37.6%€-41k▼ 64.3%€-29k▲ 30.5%
Net result€-3k-€-12k▼ 367%€-18k▼ 49.7%€-39k▼ 123%€-25k▲ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €41k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259k
Fixed assets
€246k▼ 0.7%
Current assets
€14k▼ 59.7%
Equity and liabilities €259k
Equity
€214k▼ 10.3%
Provisions
€27k▼ 11.4%
Debt
€18k▲ 55.0%
The debt ratio rises from 4.1% to 6.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▲
2024 · €-22k
Cash flow
€-8k▲
2024 · €-20k
Solvency
82.6%▼
2024 · 84.9%
Current ratio
0.76▼
2024 · 2.94
Quick ratio
0.76▼
2024 · 2.94
Debt / equity
0.08▲
2024 · 0.05
ROE
-11.5%▲
2024 · -16.4%
ROA
-9.5%▲
2024 · -13.9%
Interest coverage
-45.06▲
2024 · -17307.15
Debt
€18k▲
2024 · €12k
Debt ≤ 1 year
€18k▲
2024 · €12k
Income taxes
€217▼
2024 · €1k
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€281k€259k▼
Fixed assets21/28€247k€246k▼
Tangible fixed assets22/27€247k€246k▼
Land and buildings22€232k€230k▼
Plant, machinery and equipment23€15k€15k▼
Furniture and vehicles24€0€0=
Leasing and similar rights25€0€0=
Other tangible fixed assets26-€1k
Current assets29/58€34k€14k▼
Amounts receivable within one year40/41€27k€6k▼
Trade receivables40€112-
Other amounts receivable41€27k€6k▼
Current investments50/53€0-
Cash at bank and in hand54/58€5k€7k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€281k€259k▼
Equity10/15€239k€214k▼
Contributions10/11€35k€35k=
Revaluation surpluses12€47k€42k▼
Reserves13€110k€108k▼
Tax-exempt reserves132€59k€53k▼
Distributable reserves133€50k€55k▲
Profit (loss) carried forward14€47k€29k▼
Provisions and deferred taxes16€31k€27k▼
Deferred taxes168€31k€27k▼
Amounts payable17/49€12k€18k▲
Amounts payable within one year42/48€12k€18k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€171€217▲
Taxes450/3€171€217▲
Other amounts payable47/48€7k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€846
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€17k▼
Other operating charges640/8€198€1k▲
Non-recurring operating charges66A€19k-
Gross operating margin9900€-3k€-11k▼
Operating profit (loss)9901€-41k€-29k▲
Financial income75/76B€82€1k▲
Recurring financial income75€82€1k▲
Financial charges65/66B€1€264▲
Recurring financial charges65€1€264▲
Profit (loss) for the period before taxes9903€-41k€-28k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€1k€217▼
Profit (loss) for the period9904€-39k€-25k▲
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€-32k€-18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€29k▼
Profit (loss) brought forward from the previous period14P€79k€47k▼
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 11.52
Current ratio from 3.30 to 11.52; short-term debt falls from €21k to €5k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 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, Jurbise · 1 establishment unit since 1994
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.
Rue Brun Culot(H) 317050 JurbiseGround area
2,617 m²
Building footprint
306 m²
Volume, LiDAR
1,605 m³
2 parcels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LD FINANCES
since 19942.065.517.010
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53040D0233/00C000 | Wallonia | 1,370 m² | 1 · 165 m² | 4.0 m · 1 fl. |
| 53030C0298/00D008 | Wallonia | 1,246 m² | 1 · 141 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
894500G2GR4LKOPJ7538
Similar companies · same sector, comparable size
STEEL CONCEPT & DESIGN
BE 0897.759.744
Thimister-Clermont · Eq €214k
Pieter Vantieghem
BE 0503.897.677
Zwevegem · Eq €214k
ELS
BE 0665.923.410
Dinant · Eq €215k
Vlaamse Vereniging voor Ruimte en Planning
BE 0461.792.650
Antwerpen · Eq €215k
PATRIOS
BE 0842.758.071
Gent · Eq €215k
Of 11,555 companies in sector 71121 we hold annual accounts for 6,562. 5,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-1994
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.