CARJO
ActiveSummary
CARJO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €107k and a net result of €27k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 5894 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability96▲+28
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 30.45 in 2023; short-term debt: 15.4% and cash: 81.7% of total assets), and 15.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d early
2023
13 d early
2022
56 d late
2021
4 d early
2020
22 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€107k▲ 33.9%
2023 · €80k
2018: €61k
2019: €61k
2020: €67k
2021: €83k
2022: €80k
2023: €80k
2018 → 2024
Total assets
€127k▲ 53.6%
2023 · €83k
2018: €61k
2019: €61k
2020: €68k
2021: €90k
2022: €85k
2023: €83k
2018 → 2024
Net result
€27k
2023 · €-371
2018: €9k
2019: €-10k
2020: €16k
2021: €16k
2022: €-3k
2023: €-371
2018 → 2024
Working capital
€104k▲ 43.2%
2023 · €72k
2018: €55k
2019: €55k
2020: €62k
2021: €64k
2022: €65k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€67k-€83k▲ 23.3%€80k▼ 3.0%€80k▼ 0.5%€107k▲ 33.9%
Operating result€16k-€19k▲ 20.8%€-2k€456€42k▲ 9,147%
Net result€16k-€16k▼ 1.0%€-3k€-371▲ 85.3%€27k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 9,147% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €127k
Fixed assets
€4k ▼ 53.7%
Current assets
€123k ▲ 64.6%
Equity and liabilities €127k
Equity
€107k ▲ 33.9%
Debt
€20k ▲ 694%
The debt ratio rises from 3.0% to 15.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48k▲
2023 · €8k
Cash flow
€33k▲
2023 · €7k
Current ratio
6.31▼
2023 · 30.45
Debt / equity
0.18▲
2023 · 0.03
ROE
25.3%▲
2023 · -0.5%
ROA
21.4%▲
2023 · -0.4%
Interest coverage
392.50▲
2023 · 81.83
Debt ≤ 1 year
€20k▲
2023 · €2k
Income taxes
€15k▲
2023 · €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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€83k€127k▲
Fixed assets21/28€8k€4k▼
Tangible fixed assets22/27€8k€4k▼
Land and buildings22€410€0▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€75k€123k▲
Amounts receivable within one year40/41€16k€19k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€10k€4k▼
Cash at bank and in hand54/58€59k€104k▲
Deferred charges and accrued income490/1€536€543▲
Equity and liabilities
Total equity and liabilities10/49€83k€127k▲
Equity10/15€80k€107k▲
Contributions10/11€40k€40k=
Reserves13€40k€67k▲
Non-distributable reserves130/1€4k€0▼
Reserves not available under the articles1311€4k€0▼
Distributable reserves133€36k€67k▲
Amounts payable17/49€2k€20k▲
Amounts payable within one year42/48€2k€20k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€1k€16k▲
Taxes450/3€1k€16k▲
Other amounts payable47/48-€2k
Income statement
Code20232024
Non-recurring operating income76A-€953
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€546€671▲
Gross operating margin9900€8k€49k▲
Operating profit (loss)9901€456€42k▲
Financial income75/76B€336€305▼
Recurring financial income75€336€305▼
Financial charges65/66B€96€122▲
Recurring financial charges65€96€122▲
Profit (loss) for the period before taxes9903€696€42k▲
Income taxes67/77€1k€15k▲
Profit (loss) for the period9904€-371€27k▲
Profit (loss) for the period to be appropriated9905€-371€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-371€27k▲
Transfer from equity791/2€371€0▼
Transfer to equity691/2-€27k
To other reserves6921-€27k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €107k ▲33.9%
Equity rises from €80k to €107k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-10k ▼217%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Peer · 1 establishment unit since 2008
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.
Groenewoudstraat 103990 PeerGround area
1,407 m²
Building footprint
156 m²
Volume, LiDAR
715 m³
Parcel 72019A0116/00D002, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CARJO
since 20082.167.449.855
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72019A0116/00D002 | Flanders | 1,407 m² | 1 · 156 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 549 EUR awarded · 538 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 309 EUR | 298 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2007
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
43230Insulation installation
43291Specialised construction activities
71112Activities of interior architects
74130Interior design
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.