CARMOY
ActiveCARMOY has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €319k and a net result of €-49k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-79
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 13.61 against 74.27 in 2024; short-term debt: 6.1% and cash: 55.2% of total assets), and 6.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
8 d late
2023
33 d early
2022
34 d early
2021
41 d early
2020
2 d early
2019
31 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€319k▼ 13.4%
2024 · €368k
2018: €536k
2019: €555k
2020: €521k
2021: €628k
2022: €629k
2023: €575k
2024: €368k
2018 → 2025
Total assets
€340k▼ 8.8%
2024 · €372k
2018: €542k
2019: €561k
2020: €611k
2021: €707k
2022: €686k
2023: €595k
2024: €372k
2018 → 2025
Net result
€-49k
2024 · €33k
2018: €12k
2019: €19k
2020: €-35k
2021: €107k
2022: €1k
2023: €-54k
2024: €33k
2018 → 2025
Working capital
€259k▼ 10.6%
2024 · €290k
2018: €467k
2019: €487k
2020: €440k
2021: €511k
2022: €518k
2023: €459k
2024: €290k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€628k-€629k▲ 0.2%€575k▼ 8.5%€368k▼ 36.0%€319k▼ 13.4%
Operating result€131k-€2k▼ 98.1%€-54k€36k€-49k
Net result€107k-€1k▼ 98.9%€-54k€33k€-49k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €49k after €36k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€60k▼ 23.9%
Current assets
€280k▼ 4.8%
Equity and liabilities €340k
Equity
€319k▼ 13.4%
Debt
€21k▲ 420%
The debt ratio rises from 1.1% to 6.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-30k▼
2024 · €74k
Cash flow
€-31k▼
2024 · €71k
Solvency
93.9%▼
2024 · 98.9%
Current ratio
13.61▼
2024 · 74.27
Quick ratio
11.32▼
2024 · 65.43
Debt / equity
0.06▲
2024 · 0.01
ROE
-15.5%▼
2024 · 9.1%
ROA
-14.5%▼
2024 · 9.0%
Interest coverage
-75.02▼
2024 · 761.05
Debt
€21k▲
2024 · €4k
Debt ≤ 1 year
€21k▲
2024 · €4k
Income taxes
€1k▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€372k€340k▼
Fixed assets21/28€78k€60k▼
Tangible fixed assets22/27€78k€60k▼
Land and buildings22€44k€41k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€31k€16k▼
Current assets29/58€294k€280k▼
Stocks and contracts in progress3€35k€47k▲
Stocks30/36€35k€47k▲
Amounts receivable within one year40/41€28k€32k▲
Trade receivables40€3k€9k▲
Other amounts receivable41€26k€23k▼
Cash at bank and in hand54/58€218k€188k▼
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€372k€340k▼
Equity10/15€368k€319k▼
Contributions10/11€174k€174k=
Capital10€174k€174k=
Issued capital100€174k€174k=
Reserves13€240k€240k=
Non-distributable reserves130/1€43k€43k=
Legal reserve130€43k€43k=
Tax-exempt reserves132€26k€26k=
Distributable reserves133€171k€171k=
Profit (loss) carried forward14€-45k€-94k▼
Amounts payable17/49€4k€21k▲
Amounts payable within one year42/48€4k€21k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€1k€18k▲
Suppliers440/4€1k€18k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€17€0▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48-€80
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€19k▼
Other operating charges640/8€16k€23k▲
Gross operating margin9900€89k€-7k▼
Operating profit (loss)9901€36k€-49k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€97€404▲
Recurring financial charges65€97€404▲
Profit (loss) for the period before taxes9903€37k€-48k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€33k€-49k▼
Profit (loss) for the period to be appropriated9905€33k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-94k▼
Profit (loss) brought forward from the previous period14P€-45k€-45k=
Transfer from equity791/2€0-
Transfer to equity691/2€33k€0▼
To other reserves6921€33k€0▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 74.27
Current ratio from 23.94 to 74.27; short-term debt falls from €20k to €4k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-54k ▼4853%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial 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
Registered office, Rumst · 1 establishment unit since 1993
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.
Steenberghoekstraat 182840 RumstGround area
1,018 m²
Building footprint
210 m²
Volume, LiDAR
978 m³
Parcel 11037C0041/00S000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARMOY NV
since 19932.061.398.864
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037C0041/00S000 | Flanders | 1,018 m² | 1 · 210 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
F. NOIRFALISE ET FILS
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ABO Operations
BE 0433.572.281
Lummen · Eq €317k
Sademed
BE 0400.320.186
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BatiTerre
BE 0752.700.501
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NEGOCE DES ACIERS DE CHARLEROI
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Of 414 companies in sector 46872 we hold annual accounts for 218. 157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-03-1993
Fiscal year end31-12
Activities, NACEBEL
46872Wholesale trade
51570
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.