CARIVARO
ActiveCARIVARO 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 €5.71M and a net result of €2.47M. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 89% of 8589 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
42 d early
2023
2 d early
2022
40 d early
2021
41 d early
2020
23 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.71M▲ 60.0%
2024 · €3.57M
2019: €2.85M
2020: €2.96M
2021: €3.01M
2022: €3.07M
2023: €3.43M
2024: €3.57M
2019 → 2025
Net result
€2.47M▲ 1,603%
2024 · €145k
2019: €343k
2020: €107k
2021: €45k
2022: €66k
2023: €355k
2024: €145k
2019 → 2025
Total assets
€6.14M▲ 55.9%
2024 · €3.94M
2019: €3.81M
2020: €3.91M
2021: €3.81M
2022: €3.69M
2023: €3.93M
2024: €3.94M
2019 → 2025
Solvency
93.0%▲ 2.4pp
2024 · 90.7%
2019: 74.8%
2020: 75.8%
2021: 78.8%
2022: 83.2%
2023: 87.2%
2024: 90.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.01M-€3.07M▲ 2.2%€3.43M▲ 11.6%€3.57M▲ 4.2%€5.71M▲ 60.0%
Operating result€-28k-€100k€497k▲ 399%€220k▼ 55.8%€-31k
Net result€45k-€66k▲ 44.6%€355k▲ 442%€145k▼ 59.1%€2.47M▲ 1,603%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €220k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.14M
Fixed assets
€1.24M▼ 65.7%
Current assets
€4.90M▲ 1,425%
Equity and liabilities €6.14M
Equity
€5.71M▲ 60.0%
Debt
€428k▲ 16.5%
The debt ratio falls from 9.3% to 7.0%: equity grows faster than debt.
Key figures and ratios
Solvency
93.0%▲
2024 · 90.7%
ROE
43.3%▲
2024 · 4.1%
ROA
40.3%▲
2024 · 3.7%
Debt
€428k▲
2024 · €368k
Debt ≤ 1 year
€332k▲
2024 · €157k
Debt > 1 year
€96k▼
2024 · €211k
Income taxes
€190k▲
2024 · €72k
Staff costs
€98k▲
2024 · €91k
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€3.94M€6.14M▲
Fixed assets21/28€3.62M€1.24M▼
Tangible fixed assets22/27€1.18M€1.14M▼
Land and buildings22€1.08M€1.03M▼
Furniture and vehicles24€85k€104k▲
Other tangible fixed assets26€13k€9k▼
Financial fixed assets28€2.44M€100k▼
Current assets29/58€321k€4.90M▲
Amounts receivable after more than one year29-€300k
Other amounts receivable291-€300k
Amounts receivable within one year40/41€34k€41k▲
Trade receivables40€32k€41k▲
Other amounts receivable41€2k€0▼
Current investments50/53-€3.99M
Cash at bank and in hand54/58€264k€572k▲
Deferred charges and accrued income490/1€24k€0▼
Equity and liabilities
Total equity and liabilities10/49€3.94M€6.14M▲
Equity10/15€3.57M€5.71M▲
Contributions10/11€2.32M€2.32M=
Reserves13€1.25M€3.39M▲
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Tax-exempt reserves132€168k€168k=
Distributable reserves133€1.06M€3.21M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€368k€428k▲
Amounts payable after more than one year17€211k€96k▼
Financial debts170/4€211k€96k▼
Amounts payable within one year42/48€157k€332k▲
Current portion of amounts payable after more than one year42€114k€115k▲
Trade debts44€8k€15k▲
Suppliers440/4€8k€15k▲
Taxes, remuneration and social security45€35k€203k▲
Taxes450/3€27k€192k▲
Remuneration and social security454/9€8k€11k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€91k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€49k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€60k€0▼
Other operating charges640/8€2k€433k▲
Non-recurring operating charges66A€161k€161k▲
Gross operating margin9900€582k€711k▲
Operating profit (loss)9901€220k€-31k▼
Financial income75/76B€35€2.84M▲
Recurring financial income75€35€74k▲
Non-recurring financial income76B-€2.77M
Financial charges65/66B€2k€143k▲
Recurring financial charges65€2k€26k▲
Non-recurring financial charges66B-€117k
Profit (loss) for the period before taxes9903€217k€2.67M▲
Income taxes67/77€72k€190k▲
Profit (loss) for the period9904€145k€2.47M▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€145k€2.47M▲
Appropriation of the result
Profit (loss) to be appropriated9906€145k€2.47M▲
Transfer from equity791/2-€332k
Transfer to equity691/2€145k€2.47M▲
To other reserves6921€145k€2.47M▲
Profit to be distributed694/7-€332k
Return on contributions (dividend)694-€332k
Social balance
Average headcount (FTE)90871.41.6▲
The notes to these accounts (18 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €2.47M ▲1603%
Net result €2.47M, the highest in the series.
30-06
Financial
Liquidity times 7current ratio 14.76
Current ratio from 2.05 to 14.76.
30-06
Financial
Equity above €5MEq €5.71M ▲60%
7 profitable years in a row build equity to €5.71M.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Liquidity times 6current ratio 1.93
Current ratio from 0.31 to 1.93; short-term debt falls from €180k to €175k.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Weakest financial yearnet €45k ▼57.7%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity times 7current ratio 1.28
Current ratio from 0.18 to 1.28; short-term debt falls from €926k to €240k.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-12
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.
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, Oudenburg · 1 establishment unit since 2015
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.
Gistelsesteenweg 1608460 OudenburgGround area
758 m²
Building footprint
113 m²
Volume, LiDAR
543 m³
Parcel 35023B0232/00M002, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARIVARO
since 20152.243.945.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35023B0232/00M002 | Flanders | 758 m² | 1 · 113 m² | 7.0 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
2023 to 2024 · 2 entries · 535 EUR awarded · 535 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 256 EUR | 256 EUR |
| 2023 | 1 | 279 EUR | 279 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 7,683 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2015
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.