Summary
CARLISI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €739,323 and a net result of €225,550. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 776 sector peers (fiscal year 2024). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
68 d late
2022
90 d late
2021
77 d late
2020
31 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 54 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Equity
€739,323▲ 43.9%
2023 · €513,772
Net result
€225,550▲ 3.3%
2023 · €218,373
Total assets
€1.4m▼ 26.3%
2023 · €1.9m
Solvency
52.8%▲ 25.7pp
2023 · 27.0%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€158,952▼ 19.1%€733,539▲ 361%€182,341▼ 75.1%€318,964▲ 74.9%€315,109▼ 1.2%
Net result€108,928within the sector's middle half▼ 16.2%€568,287above the sector's middle half▲ 422%€133,847within the sector's middle half▼ 76.4%€218,373within the sector's middle half▲ 63.2%€225,550within the sector's middle half▲ 3.3%
Equity€302,221within the sector's middle half▲ 2.8%€492,484within the sector's middle half▲ 63.0%€595,400within the sector's middle half▲ 20.9%€513,772within the sector's middle half▼ 13.7%€739,323within the sector's middle half▲ 43.9%
Total assets€1.2mwithin the sector's middle half▲ 36.9%€1.6mwithin the sector's middle half▲ 36.1%€1.6mwithin the sector's middle half▼ 5.0%€1.9mwithin the sector's middle half▲ 22.3%€1.4mwithin the sector's middle half▼ 26.3%
Debt€900,480▲ 54.0%€1.1m▲ 27.0%€958,867▼ 16.2%€1.4m▲ 44.6%€662,178▼ 52.2%
Working capital€94,493within the sector's middle half▼ 11.6%-€154,099below the sector's middle half-€53,903below the sector's middle half▲ 65.0%-€55,930below the sector's middle half▼ 3.8%€170,221within the sector's middle half
Solvency25.1%within the sector's middle half▼ 8.3pp30.1%within the sector's middle half▲ 5.0pp38.3%within the sector's middle half▲ 8.2pp27.0%within the sector's middle half▼ 11.3pp52.8%within the sector's middle half▲ 25.7pp
Current ratio1.37within the sector's middle half▲ 0.150.72below the sector's middle half▼ 0.650.86below the sector's middle half▲ 0.140.93within the sector's middle half▲ 0.072.03within the sector's middle half▲ 1.10
Return on assets (ROA)9.1%within the sector's middle half▼ 5.7pp34.7%above the sector's middle half▲ 25.7pp8.6%within the sector's middle half▼ 26.1pp11.5%within the sector's middle half▲ 2.9pp16.1%within the sector's middle half▲ 4.6pp
Staff (FTE)5.3within the sector's middle half▼ 5.4%6.8within the sector's middle half▲ 28.3%5.8within the sector's middle half▼ 14.7%5.7within the sector's middle half▼ 1.7%5.5within the sector's middle half▼ 3.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.1m ▼ 6.8%
Current assets
€334,738 ▼ 55.7%
Equity and liabilities €1.4m
Equity
€739,323 ▲ 43.9%
Debt
€662,178 ▼ 52.2%
Debt's share of the balance-sheet total falls from 73.0% to 47.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
30.5%▼
2023 · 42.5%
Debt ≤ 1 year
€164,518▼
2023 · €811,733
Debt > 1 year
€497,661▼
2023 · €529,317
Income taxes
€81,468▼
2023 · €85,032
Staff costs
€361,903▼
2023 · €422,998
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €500,000 | €0 | - | - | - |
| Remuneration, social security and pensions62 | - | €349,203 | €416,487 | €422,998 | €361,903 | ▼ 14.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €207,697 | €142,277 | €182,470 | €112,108 | €120,756 | ▲ 7.7% |
| Other operating charges640/8 | - | €12,488 | €9,159 | €11,160 | €11,102 | ▼ 0.5% |
| Non-recurring operating charges66A | - | €17,489 | €0 | - | - | - |
| Gross operating margin9900 | €710,966 | €1.3m | €790,457 | €865,230 | €808,870 | ▼ 6.5% |
| Operating profit (loss)9901 | €158,952 | €733,539 | €182,341 | €318,964 | €315,109 | ▼ 1.2% |
| Financial income75/76B | - | €199 | €1 | €4,465 | €702 | ▼ 84.3% |
| Recurring financial income75 | €366 | €199 | €1 | €4,465 | €702 | ▼ 84.3% |
| Financial charges65/66B | - | €12,025 | €7,779 | €20,025 | €8,792 | ▼ 56.1% |
| Recurring financial charges65 | €7,584 | €12,025 | €7,779 | €20,025 | €8,792 | ▼ 56.1% |
| Profit (loss) for the period before taxes9903 | €151,734 | €721,712 | €174,563 | €303,404 | €307,019 | ▲ 1.2% |
| Income taxes67/77 | €42,806 | €153,425 | €40,716 | €85,032 | €81,468 | ▼ 4.2% |
| Profit (loss) for the period9904 | €108,928 | €568,287 | €133,847 | €218,373 | €225,550 | ▲ 3.3% |
| Transfer from tax-exempt reserves789 | - | €1,600 | €0 | - | - | - |
| Transfer to tax-exempt reserves689 | - | €210,500 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €108,928 | €359,387 | €133,847 | €218,373 | €225,550 | ▲ 3.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.6m | €1.6m | €1.9m | €1.4m | ▼ 26.3% |
| Fixed assets21/28 | €851,431 | €1.2m | €1.2m | €1.1m | €1.1m | ▼ 6.8% |
| Intangible fixed assets21 | €147,690 | €83,745 | €4,975 | €3,375 | €1,775 | ▼ 47.4% |
| Tangible fixed assets22/27 | €696,167 | €1.1m | €1.2m | €1.1m | €1.1m | ▼ 6.7% |
| Land and buildings22 | - | €1.0m | €1.1m | €1.0m | €1.0m | ▼ 1.1% |
| Plant, machinery and equipment23 | - | €29,467 | €24,274 | €17,747 | €11,221 | ▼ 36.8% |
| Furniture and vehicles24 | - | €88,890 | €72,549 | €46,525 | €24,506 | ▼ 47.3% |
| Assets under construction and advance payments27 | - | - | - | €35,967 | €0 | ▼ 100% |
| Financial fixed assets28 | €7,575 | €7,426 | €8,146 | €8,261 | €8,261 | = |
| Current assets29/58 | €351,270 | €396,356 | €339,840 | €755,803 | €334,738 | ▼ 55.7% |
| Amounts receivable within one year40/41 | €120,265 | €216,458 | €65,694 | €152,744 | €119,261 | ▼ 21.9% |
| Trade receivables40 | - | €5,270 | €37,950 | €3,055 | €3,055 | = |
| Other amounts receivable41 | - | €211,188 | €27,744 | €149,690 | €116,206 | ▼ 22.4% |
| Cash at bank and in hand54/58 | €222,923 | €177,441 | €266,431 | €596,010 | €205,731 | ▼ 65.5% |
| Deferred charges and accrued income490/1 | - | €2,457 | €7,715 | €7,049 | €9,747 | ▲ 38.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.6m | €1.6m | €1.9m | €1.4m | ▼ 26.3% |
| Equity10/15 | €302,221 | €492,484 | €595,400 | €513,772 | €739,323 | ▲ 43.9% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | - | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | - | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | €207,797 | €416,697 | €516,697 | €451,799 | €677,349 | ▲ 49.9% |
| Non-distributable reserves130/1 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Tax-exempt reserves132 | - | €210,500 | €210,500 | €210,500 | €210,500 | = |
| Distributable reserves133 | - | €200,000 | €300,000 | €235,102 | €460,652 | ▲ 95.9% |
| Profit (loss) carried forward14 | €32,451 | €13,813 | €16,729 | €0 | €0 | - |
| Amounts payable17/49 | €900,480 | €1.1m | €958,867 | €1.4m | €662,178 | ▼ 52.2% |
| Amounts payable after more than one year17 | €643,703 | €591,587 | €560,625 | €529,317 | €497,661 | ▼ 6.0% |
| Financial debts170/4 | - | €591,587 | €560,625 | €529,317 | €497,661 | ▼ 6.0% |
| Amounts payable within one year42/48 | €256,777 | €550,455 | €393,742 | €811,733 | €164,518 | ▼ 79.7% |
| Current portion of amounts payable after more than one year42 | - | €52,116 | €24,466 | €31,307 | €31,657 | ▲ 1.1% |
| Trade debts44 | €19,240 | €21,569 | €16,442 | €50,600 | €61,141 | ▲ 20.8% |
| Suppliers440/4 | - | €21,569 | €16,442 | €50,600 | €61,141 | ▲ 20.8% |
| Taxes, remuneration and social security45 | - | €40,317 | €44,554 | €123,923 | €65,439 | ▼ 47.2% |
| Taxes450/3 | - | €933 | €1,265 | €53,654 | €30,161 | ▼ 43.8% |
| Remuneration and social security454/9 | - | €39,385 | €43,289 | €70,269 | €35,278 | ▼ 49.8% |
| Other amounts payable47/48 | - | €436,452 | €308,279 | €605,902 | €6,281 | ▼ 99.0% |
| Accrued charges and deferred income492/3 | - | €2,000 | €4,500 | €45,663 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €108,928 | €568,287 | €133,847 | €218,373 | €225,550 | ▲ 3.3% |
| + Depreciation and write-downs630 | €207,697 | €142,277 | €182,470 | €112,108 | €120,756 | ▲ 7.7% |
| Operating cash flow (approximation) | €316,624 | €710,564 | €316,317 | €330,481 | €346,306 | ▲ 4.8% |
| Investment in fixed assets (approximation) | - | -€531,016 | -€156,727 | -€42,363 | -€42,836 | ▼ 1.1% |
| Change in cash | - | -€45,482 | €88,990 | €329,579 | -€390,279 | ▼ 218% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 55 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.03
Current ratio from 0.93 to 2.03; short-term debt falls from €811,733 to €164,518.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 68 days late
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 90 days late
2022
31-12
Financial
Equity above €500,000Eq €595,400 ▲20.9%
5 profitable years in a row build equity to €595,400.
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 77 days late
2021
31-12
Financial
Highest result since 2018net €568,287 ▲422%
Operating result €733,539, net result €568,287, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 92 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 52 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Liège · 1 establishment unit since 1997
Ground area
386 m²
Building footprint
122 m²
Parcel 62803B0114/00H000, Wallonia. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
CARLISI
since 19972.084.632.443
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803B0114/00H000 | Wallonia | 386 m² | 1 · 122 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersChain of control
- CARLISI MANAGEMENT
- CARLISI
Highest known parent: CARLISI MANAGEMENT. The sources do not say who stands above it.
Owners 2
-
100%
-
33.33%
Holdings 0
The accounts to 31-12-2022 list no holdings, and no other source names one.
According to the 2022 annual accounts of CARLISI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,370 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded05-12-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64999Other financial services
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462045642
Registered
13-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.