Financials
- Fiscal year
- 2025
- Total assets
- €189,415
- Profit
- €1,371
- Solvency
- 42.2%
Total assets▼ 8.6%
Net result
20182025
CARMEL
ActiveSummary
CARMEL has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79,928 and a net result of €1,371. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 1304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Beauty care and other beauty treatments
NACE 96220NACE 93022Beauty treatment NACE 96022
#8 oldest company in Zottegem, Other services sector1 site
Size
€189,415total assets 2025
- Equity
- €79,928
- Profit
- €1,371
Turnover not published (abridged schema)
Structure
Accounts 9 d early0 of 3 deeds read
Why 84- Liquidity: current ratio 0.47, cash €365+ Founded in 2001+ Legal form Public limited companyShow the evidence
Checked score
Score 2025
84
/ 100
Excellent
Probability in this band: under 0.55%
Better than 42% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
67+4
equity 42.2% of total assets
Liquidity
40+3
short-term debt 26.6% · cash 0.2%
Profitability
42+13
return on assets 0.7%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.7%● 0.0% vs 11-2024
01-2025: 0.7%● 0.0% vs 12-2024
02-2025: 0.7%● 0.0% vs 01-2025
03-2025: 0.7%● 0.0% vs 02-2025
04-2025: 0.7%▲ +4.6% vs 03-2025
05-2025: 0.7%▼ -2.8% vs 04-2025
06-2025: 0.6%▼ -4.2% vs 05-2025
07-2025: 0.8%▲ +24.2% vs 06-2025
08-2025: 1.2%▲ +54.5% vs 07-2025highest value
09-2025: 0.3%▼ -71.4% vs 08-2025
10-2025: 0.3%● 0.0% vs 09-2025
11-2025: 0.3%● 0.0% vs 10-2025
12-2025: 0.3%● 0.0% vs 11-2025
01-2026: 0.3%● 0.0% vs 12-2025
02-2026: 0.3%● 0.0% vs 01-2026
03-2026: 0.3%● 0.0% vs 02-2026
04-2026: 0.4%▲ +4.9% vs 03-2026
05-2026: 0.4%▼ -3.0% vs 04-2026
06-2026: 0.3%▼ -3.4% vs 05-2026
07-2026: 0.4%▲ +4.4% vs 06-2026
08-2026: 0.3%▼ -13.4% vs 07-2026lowest value
09-2026: 0.3%● 0.0% vs 08-2026lowest value
10-2026: 0.3%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 0.47, cash €365 raises the probability
- Founded in 2001 lowers the probability for this profile
- Legal form Public limited company lowers the probability
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.54 in 2024; short-term debt: 26.6% and cash: 0.2% of total assets), and 57.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 62%, liquidity 31%, profitability 32%, growth against the median 44%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
20 d late
2023
19 d early
2022
11 d early
2021
12 d early
2020
9 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 20 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €1,371
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 22-07-2026Annual accounts filed
- 31-12-2025Back to profit
- 20-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Beauty care and other beauty treatmentsNACE 96220
- Founded
- 21-12-2001
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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