CARMIE
InactiveCARMIE was declared bankrupt on 09-09-2025 (Ondernemingsrechtbank Brussel); the bankruptcy was closed for insufficient assets by judgment of 24-03-2026, published in the Belgian State Gazette on 31-03-2026.
No longer registered with the KBO; last annual accounts for fiscal year 2022.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline21-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 20-07-2023, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
11 d early
2021
3 d late
2020
33 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€104k▲ 46.8%
2021 · €71k
2018: €41k
2019: €25k
2020: €53k
2021: €71k
2018 → 2022
Total assets
€148k▲ 24.2%
2021 · €119k
2018: €70k
2019: €83k
2020: €80k
2021: €119k
2018 → 2022
Net result
€33k▲ 88.7%
2021 · €18k
2018: €-6k
2019: €-16k
2020: €28k
2021: €18k
2018 → 2022
Working capital
€106k▲ 32.5%
2021 · €80k
2018: €37k
2019: €29k
2020: €65k
2021: €80k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€41k-€25k▼ 38.1%€53k▲ 109%€71k▲ 33.0%€104k▲ 46.8%
Operating result€11k-€-14k€37k€26k▼ 30.2%€47k▲ 82.2%
Net result€-6k-€-16k▼ 181%€28k€18k▼ 36.7%€33k▲ 88.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2022; 2022 is 82% above 2021 and is the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €148k
Fixed assets
€726▼ 88.9%
Current assets
€148k▲ 30.8%
Equity and liabilities €148k
Equity
€104k▲ 46.8%
Debt
€45k▼ 8.4%
The debt ratio falls from 40.9% to 30.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2021 · €28k
Cash flow
€34k▲
2021 · €20k
Solvency
69.9%▲
2021 · 59.1%
Current ratio
3.58▲
2021 · 3.46
Quick ratio
2.83▲
2021 · 2.54
Debt / equity
0.43▼
2021 · 0.69
ROE
31.9%▲
2021 · 24.8%
ROA
22.3%▲
2021 · 14.7%
Interest coverage
8.61▲
2021 · 4.80
Debt
€45k▼
2021 · €49k
Debt ≤ 1 year
€41k▲
2021 · €33k
Debt > 1 year
€4k▼
2021 · €6k
Income taxes
€14k▲
2021 · €6k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€119k€148k▲
Fixed assets21/28€7k€726▼
Tangible fixed assets22/27€6k€51▼
Furniture and vehicles24€6k€51▼
Financial fixed assets28€675€675=
Current assets29/58€113k€148k▲
Stocks and contracts in progress3€30k€31k▲
Stocks30/36€30k€31k▲
Amounts receivable within one year40/41€61k€97k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€59k€95k▲
Cash at bank and in hand54/58€18k€20k▲
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€119k€148k▲
Equity10/15€71k€104k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€63k€96k▲
Amounts payable17/49€49k€45k▼
Amounts payable after more than one year17€6k€4k▼
Financial debts170/4€6k€4k▼
Amounts payable within one year42/48€33k€41k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Accrued charges and deferred income492/3€10k-
Income statement
Code20212022
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€565▼
Other operating charges640/8€55€6k▲
Gross operating margin9900€28k€54k▲
Operating profit (loss)9901€26k€47k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€24k€47k▲
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€18k€33k▲
Profit (loss) for the period to be appropriated9905€18k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€96k▲
Profit (loss) brought forward from the previous period14P€45k€63k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-03
Bankruptcy
Bankruptcy closure (insufficient assets)
Ondernemingsrechtbank Brussel · CARMIE BV GRASMARKT 35, 1000 BRUSSEL · event 24-03-2026
2025
16-09
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · CARMIE BV GRASMARKT 35, 1000 BRUSSEL · event 09-09-2025
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €33k ▲88.7%
Operating result €47k, net result €33k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲46.8%
3 profitable years in a row build equity to €104k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 9.96
Current ratio from 1.57 to 9.96; short-term debt falls from €52k to €7k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 28 days late
2014
28-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 28 days late
SignalFinancial 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
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | THOMAS VANDENDRIES STEENWEG OP SINT-JORIS-
WINGE 21, 3200 AARSCHOT |
09-09-2025 → present |