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CARMONA

Active
Private limited company (pre-2019)founded 200224 yrs activeBraamstraat 4, 3470 Kortenaken, BelgiumKBO/BCE: BE 0477.879.210
Summary

CARMONA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€33,459) and a net result of -€8,652. Equity is shrinking by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 37969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Age of the figures
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 24 years 0 30 y
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€33,459
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
6 d early
2023
31 d late
2022
11 d early
2021
3 d early
2020
5 d early
2019
31 d early
← 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 4 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

CARMONA was incorporated on 2 July 2002.1 Total assets went from EUR 4,740 in 2018 to EUR 4,699 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
-€33,459▼ 34.9%
2023 · -€24,807
Total assets
€4,699▲ 3.3%
2023 · €4,551
Net result
-€8,652=
2023 · -€8,652
Working capital
-€33,544▼ 30.5%
2023 · -€25,702
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€6,635-€1,004▲ 84.9%-€3,320▼ 231%-€8,637▼ 160%-€8,957▼ 3.7%
Net result-€6,723below the sector's middle half-€1,237below the sector's middle half▲ 81.6%-€3,352below the sector's middle half▼ 171%-€8,652below the sector's middle half▼ 158%-€8,652below the sector's middle half=
Equity-€11,566below the sector's middle half▼ 139%-€12,803below the sector's middle half▼ 10.7%-€16,155below the sector's middle half▼ 26.2%-€24,807below the sector's middle half▼ 53.6%-€33,459below the sector's middle half▼ 34.9%
Total assets€992below the sector's middle half▼ 85.0%€10,457below the sector's middle half▲ 954%€7,609below the sector's middle half▼ 27.2%€4,551below the sector's middle half▼ 40.2%€4,699below the sector's middle half▲ 3.3%
Debt€12,558▲ 9.7%€23,260▲ 85.2%€23,764▲ 2.2%€29,358▲ 23.5%€38,158▲ 30.0%
Working capital-€10,066below the sector's middle half▼ 405%-€12,495below the sector's middle half▼ 24.1%-€15,064below the sector's middle half▼ 20.6%-€25,702below the sector's middle half▼ 70.6%-€33,544below the sector's middle half▼ 30.5%
Solvency-122.4%below the sector's middle half-212.3%below the sector's middle half▼ 89.9pp
Current ratio0.43below the sector's middle half0.32below the sector's middle half▼ 0.12
Return on assets (ROA)-11.8%below the sector's middle half-44.1%below the sector's middle half▼ 32.2pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€7,500-€5,000-€2,500€0Operating result 2020: -€6,635-€6,635Net result 2020: -€6,723-€6,723Operating result 2021: -€1,004-€1,004Net result 2021: -€1,237-€1,237Operating result 2022: -€3,320-€3,320Net result 2022: -€3,352-€3,352Operating result 2023: -€8,637-€8,637Net result 2023: -€8,652-€8,652Operating result 2024: -€8,957-€8,957Net result 2024: -€8,652-€8,65220202021202220232024-€10,000-€7,500-€5,000-€2,500€0Operating result 2022: -€3,320-€3,320Net result 2022: -€3,352-€3,350Operating result 2023: -€8,637-€8,640Net result 2023: -€8,652-€8,650Operating result 2024: -€8,957-€8,960Net result 2024: -€8,652-€8,650202220232024
The operating result stays negative: a loss of €8,957 in 2024 against €8,637 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4,699
Fixed assets €1,435 ▼ 36.1%
Current assets €3,264 ▲ 41.5%
Key figures and ratios
2024 value · change against 2023
EBITDA
-€8,147▲
2023 · -€8,176
Cash flow
-€7,842▲
2023 · -€8,191
Interest coverage
-814.70▼
2023 · -545.07
Debt ≤ 1 year
€36,808▲
2023 · €28,008
Ratios withheld: a balance sheet total of €4,699 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.1% went bankrupt
9.8% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€4,551€4,699▲
Fixed assets21/28€2,245€1,435▼
Tangible fixed assets22/27€2,245€1,435▼
Plant, machinery and equipment23€2,245€1,435▼
Current assets29/58€2,306€3,264▲
Amounts receivable within one year40/41€1,914€2,960▲
Other amounts receivable41€1,914€2,960▲
Cash at bank and in hand54/58€392€304▼
Equity and liabilities
Total equity and liabilities10/49€4,551€4,699▲
Equity10/15-€24,807-€33,459▼
Contributions10/11€93,000€93,000=
Profit (loss) carried forward14-€117,807-€126,459▼
Amounts payable17/49€29,358€38,158▲
Amounts payable within one year42/48€28,008€36,808▲
Trade debts44€315€4,482▲
Suppliers440/4€315€4,482▲
Other amounts payable47/48€27,693€32,326▲
Accrued charges and deferred income492/3€1,350€1,350=
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€461€810▲
Gross operating margin9900-€8,176-€8,147▲
Operating profit (loss)9901-€8,637-€8,957▼
Financial income75/76B-€315
Recurring financial income75-€315
Non-recurring financial income76B-€315
Financial charges65/66B€15€10▼
Recurring financial charges65€15€10▼
Profit (loss) for the period before taxes9903-€8,652-€8,652=
Profit (loss) for the period9904-€8,652-€8,652=
Profit (loss) for the period to be appropriated9905-€8,652-€8,652=
Appropriation of the result
Profit (loss) to be appropriated9906-€117,807-€126,459▼
Profit (loss) brought forward from the previous period14P-€109,155-€117,807▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€250€285€461€810▲ 75.7%
Gross operating margin9900-€6,635-€754-€3,035-€8,176-€8,147▲ 0.4%
Operating profit (loss)9901-€6,635-€1,004-€3,320-€8,637-€8,957▼ 3.7%
Financial income75/76B----€315-
Recurring financial income75----€315-
Non-recurring financial income76B----€315-
Financial charges65/66B-€233€32€15€10▼ 33.3%
Recurring financial charges65€88€233€32€15€10▼ 33.3%
Profit (loss) for the period before taxes9903-€6,723-€1,237-€3,352-€8,652-€8,652=
Profit (loss) for the period9904-€6,723-€1,237-€3,352-€8,652-€8,652=
Profit (loss) for the period to be appropriated9905-€6,723-€1,237-€3,352-€8,652-€8,652=
Line20202021202220232024Change
Assets
Total assets20/58€992€10,457€7,609€4,551€4,699▲ 3.3%
Fixed assets21/28-€892€607€2,245€1,435▼ 36.1%
Tangible fixed assets22/27-€892€607€2,245€1,435▼ 36.1%
Plant, machinery and equipment23-€892€607€2,245€1,435▼ 36.1%
Current assets29/58€992€9,565€7,002€2,306€3,264▲ 41.5%
Amounts receivable within one year40/41€826€8,308€369€1,914€2,960▲ 54.6%
Trade receivables40-€8,308----
Other amounts receivable41--€369€1,914€2,960▲ 54.6%
Cash at bank and in hand54/58€166€1,257€6,633€392€304▼ 22.4%
Equity and liabilities
Total equity and liabilities10/49€992€10,457€7,609€4,551€4,699▲ 3.3%
Equity10/15-€11,566-€12,803-€16,155-€24,807-€33,459▼ 34.9%
Contributions10/11-€93,000€93,000€93,000€93,000=
Reserves13€214-----
Profit (loss) carried forward14-€104,780-€105,803-€109,155-€117,807-€126,459▼ 7.3%
Amounts payable17/49€12,558€23,260€23,764€29,358€38,158▲ 30.0%
Amounts payable within one year42/48€11,058€22,060€22,066€28,008€36,808▲ 31.4%
Trade debts44-€8,040€6,310€315€4,482▲ 1,323%
Suppliers440/4-€8,040€6,310€315€4,482▲ 1,323%
Taxes, remuneration and social security45-€1,199----
Taxes450/3-€1,199----
Other amounts payable47/48-€12,821€15,756€27,693€32,326▲ 16.7%
Accrued charges and deferred income492/3-€1,200€1,698€1,350€1,350=
Line20202021202220232024Change
Profit (loss) for the period9904-€6,723-€1,237-€3,352-€8,652-€8,652=
+ Depreciation and write-downs630-€250€285€461€810▲ 75.7%
Operating cash flow (approximation)-€6,723-€987-€3,067-€8,191-€7,842▲ 4.3%
Investment in fixed assets (approximation)--€0-€2,099€0▲ 100%
Change in cash-€1,091€5,376-€6,241-€88▲ 98.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
25-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
20-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €74
Net result €74 after one loss-making year.
20-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
12-10
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 73 days late
2017
26-09
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
23-09
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 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
4 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, Kortenaken · 1 establishment unit since 2002
establishment The establishment unit on the map
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.

Braamstraat 43470 Kortenaken
Ground area
7,244 m²
Building footprint
796 m²
Volume, LiDAR
19,012 m³
Parcel 24038D0241/00V002, Flanders · tallest building 32.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Vaartdijk 3, 3018 Leuven
NACE 7414201
since 20022.096.302.533
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24038D0241/00V002
ProtectedMonumentBedrijf Remy: siloSource ↗
Flanders 7,244 m² 1 · 796 m² 32.6 m · 8 fl.
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded02-07-2002
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0477879210
Also 9925:BE0477879210
Registered 16-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.