Age3 yrs
Real estate1 parcel · 697 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CARMOS is 2.1% (moderate). The 2024 annual accounts show equity of €110k and a net result of €59k. Its solvency ranks better than 95% of 6697 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 6697 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€59k+22.9%
Working capital€110k+115.7%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 93.0% | 20.4% | |
| Net result | €59k | €4k | |
| Equity | €110k | €16k | |
| Gross operating margin | €82k | €24k | |
| Total assets | €119k | €94k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€59k
+22.9%
far above sector median
€119k
+92.6%
-22% vs sector
€110k
+115.7%
+41% vs sector
€110k
+115.7%
+99% vs sector
€21k
+31.5%
far above sector median
€8k
-20.2%
-92% vs sector
€8k
-20.2%
-92% vs sector
14.21
+141.5%
far above sector median
14.21
+141.5%
far above sector median
93.0%
+12.0%
+103% vs sector
0.08
-63.0%
-94% vs sector
53.6%
-43.0%
far above sector median
49.9%
-36.2%
far above sector median
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €59k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €21k |
| Dividends | - |
| Total assets | €119k |
| Equity | €110k |
| Debt | €8k |
| of which ≤ 1y | €8k |
| of which > 1y | - |
| Working capital | €110k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 14.21 |
| Quick ratio | 14.21 |
| Working capital ratio | 93.0% |
| Solvency | 93.0% |
| Debt / equity | 0.08 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 49.9% |
| ROE | 53.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €119k |
| Current assets | 29/58 | €119k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €112k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €119k |
| Equity | 10/15 | €110k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €107k |
| Amounts payable | 17/49 | €8k |
| Amounts payable within one year | 42/48 | €8k |
| Trade debts payable within one year | 44 | €718 |
| Income statement | ||
| Gross operating margin | 9900 | €82k |
| Operating result | 9901 | €80k |
| Financial income | 75 | €247 |
| Financial charges | 65 | €192 |
| Result before taxes | 9903 | €80k |
| Income taxes | 67/77 | €21k |
| Net result for the period | 9904 | €59k |
| Result to be appropriated | 9905 | €59k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationRue du Ruchaux 14, 1490 Court-Saint-Etienne
since 20222.336.323.588
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area697 m²
Buildings1
Building footprint144 m²
Volume (LiDAR)665 m³
Tallest building6.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023A0410/00P000 | Wallonia | 697 m² | 1 · 144 m² | 6.1 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axes93
/ 100
Exceptional profile, strong across almost every axis.
Health
93
Profitability
100
Solvency
100
Growth
78
Stability
94
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320
Primary activity highlighted.
Names & trade names
| Legal nameFR | CARMOS |
Registered office
Rue du Ruchaux 14
1490 Court-Saint-Etienne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.