CARMOS
ActiveSummary
The computed 12-month bankruptcy probability of CARMOS is 1.8% (moderate). The 2025 annual accounts show equity of €153k and a net result of €42k. Equity is growing by ~46.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability95▼-5
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.85 against 14.21 in 2024; short-term debt: 17.1% and cash: 88.6% of total assets), and 17.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.9%
Return on assets
23%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▲ 38.5%
2024 · €110k
2023: €51klowest in 3 years
2024: €110k▲ +116% vs 2023
2025: €153k▲ +38.5% vs 2024highest in 3 years
2023 → 2025
Total assets
€184k▲ 55.3%
2024 · €119k
2023: €62klowest in 3 years
2024: €119k▲ +92.6% vs 2023
2025: €184k▲ +55.3% vs 2024highest in 3 years
2023 → 2025
Net result
€42k▼ 28.3%
2024 · €59k
2023: €48k
2024: €59k▲ +22.9% vs 2023highest in 3 years
2025: €42k▼ -28.3% vs 2024lowest in 3 years
2023 → 2025
Working capital
€153k▲ 38.5%
2024 · €110k
2023: €51klowest in 3 years
2024: €110k▲ +116% vs 2023
2025: €153k▲ +38.5% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€51k-€110k▲ 116%€153k▲ 38.5%
2023: €51klowest in 3 years
2024: €110k▲ +116% vs 2023
2025: €153k▲ +38.5% vs 2024highest in 3 years
Operating result€64k-€80k▲ 25.7%€58k▼ 27.3%
2023: €64k
2024: €80k▲ +25.7% vs 2023highest in 3 years
2025: €58k▼ -27.3% vs 2024lowest in 3 years
Net result€48k-€59k▲ 22.9%€42k▼ 28.3%
2023: €48k
2024: €59k▲ +22.9% vs 2023highest in 3 years
2025: €42k▼ -28.3% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €184k
Equity
€153k ▲ 38.5%
Debt
€32k ▲ 277%
Debt's share of the balance-sheet total rises from 7.0% to 17.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
5.85▼
2024 · 14.21
Debt to equity
0.21▲
2024 · 0.08
ROE
27.8%▼
2024 · 53.6%
ROA
23.0%▼
2024 · 49.9%
Debt ≤ 1 year
€32k▲
2024 · €8k
Income taxes
€16k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€119k€184k▲
Current assets29/58€119k€184k▲
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40-€15k
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€112k€163k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€119k€184k▲
Equity10/15€110k€153k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€107k€150k▲
Amounts payable17/49€8k€32k▲
Amounts payable within one year42/48€8k€32k▲
Trade debts44€718€20k▲
Suppliers440/4€718€20k▲
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48€2k€657▼
Income statement
Code20242025
Other operating charges640/8€2k€2k▼
Gross operating margin9900€82k€60k▼
Operating profit (loss)9901€80k€58k▼
Financial income75/76B€247-
Recurring financial income75€247-
Financial charges65/66B€192€176▼
Recurring financial charges65€192€176▼
Profit (loss) for the period before taxes9903€80k€58k▼
Income taxes67/77€21k€16k▼
Profit (loss) for the period9904€59k€42k▼
Profit (loss) for the period to be appropriated9905€59k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€150k▲
Profit (loss) brought forward from the previous period14P€48k€107k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €884 | €2k | €2k | ▼ 1.8% |
| Gross operating margin9900 | €65k | €82k | €60k | ▼ 26.7% |
| Operating profit (loss)9901 | €64k | €80k | €58k | ▼ 27.3% |
| Financial income75/76B | €475 | €247 | - | - |
| Recurring financial income75 | €475 | €247 | - | - |
| Financial charges65/66B | €119 | €192 | €176 | ▼ 8.3% |
| Recurring financial charges65 | €119 | €192 | €176 | ▼ 8.3% |
| Profit (loss) for the period before taxes9903 | €64k | €80k | €58k | ▼ 27.5% |
| Income taxes67/77 | €16k | €21k | €16k | ▼ 25.5% |
| Profit (loss) for the period9904 | €48k | €59k | €42k | ▼ 28.3% |
| Profit (loss) for the period to be appropriated9905 | €48k | €59k | €42k | ▼ 28.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €62k | €119k | €184k | ▲ 55.3% |
| Current assets29/58 | €62k | €119k | €184k | ▲ 55.3% |
| Amounts receivable within one year40/41 | €8k | €6k | €21k | ▲ 250% |
| Trade receivables40 | - | - | €15k | - |
| Other amounts receivable41 | €8k | €6k | €6k | ▲ 5.3% |
| Cash at bank and in hand54/58 | €53k | €112k | €163k | ▲ 46.2% |
| Deferred charges and accrued income490/1 | - | €1k | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €62k | €119k | €184k | ▲ 55.3% |
| Equity10/15 | €51k | €110k | €153k | ▲ 38.5% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €48k | €107k | €150k | ▲ 39.6% |
| Amounts payable17/49 | €10k | €8k | €32k | ▲ 277% |
| Amounts payable within one year42/48 | €10k | €8k | €32k | ▲ 277% |
| Trade debts44 | €1k | €718 | €20k | ▲ 2,716% |
| Suppliers440/4 | €1k | €718 | €20k | ▲ 2,716% |
| Taxes, remuneration and social security45 | €9k | €6k | €11k | ▲ 74.0% |
| Taxes450/3 | €9k | €6k | €11k | ▲ 74.0% |
| Other amounts payable47/48 | - | €2k | €657 | ▼ 56.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €48k | €59k | €42k | ▼ 28.3% |
| Operating cash flow (approximation) | €48k | €59k | €42k | ▼ 28.3% |
| Change in cash | - | €58k | €52k | ▼ 11.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €42k ▼28.3%
Net result drops to €42k, the lowest in the series.
31-12
Financial
Equity above €150kEq €153k ▲38.5%
3 profitable years in a row build equity to €153k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €59k ▲22.9%
Operating result €80k, net result €59k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 14.21
Current ratio from 5.89 to 14.21; short-term debt falls from €10k to €8k.
31-12
Financial
Equity above €100kEq €110k ▲116%
2 profitable years in a row build equity to €110k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Court-Saint-Etienne · 1 establishment unit since 2022
Ground area
697 m²
Building footprint
144 m²
Volume, LiDAR
665 m³
Parcel 25023A0410/00P000, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Ruchaux 14, 1490 Court-Saint-Etienne
since 20222.336.323.588
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023A0410/00P000 | Wallonia | 697 m² | 1 · 144 m² | 6.1 m · 2 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.
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,287. 946 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
77320Rental and leasing activities
Contact
E-mail
carmos.1490@hotmail.comCourt-Saint-Etienne
Phone
0473/43 71 42Court-Saint-Etienne
Scores and ratios are computed by Checked and are not a credit decision.