CARNABY RECORDS
ActiveCARNABY RECORDS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €-64. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+22
Solvency39▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
14.5%
Return on assets
-0.4%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d late
2023
27 d late
2022
on the day
2021
29 d late
2020
26 d late
2019
31 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 2.9%
2024 · €2k
2018: €-2k
2019: €-4k
2020: €1k
2021: €5k
2022: €5k
2023: €3k
2024: €2k
2018 → 2025
Total assets
€15k▲ 8.5%
2024 · €14k
2018: €12k
2019: €12k
2020: €15k
2021: €15k
2022: €18k
2023: €14k
2024: €14k
2018 → 2025
Net result
€-64▲ 94.9%
2024 · €-1k
2018: €-3k
2019: €-1k
2020: €5k
2021: €4k
2022: €-356
2023: €-1k
2024: €-1k
2018 → 2025
Working capital
€2k▼ 2.9%
2024 · €2k
2018: €-2k
2019: €-4k
2020: €1k
2021: €5k
2022: €5k
2023: €3k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€5k▼ 7.1%€3k▼ 26.1%€2k▼ 36.4%€2k▼ 2.9%
Operating result€4k-€-356€-1k▼ 243%€-1k▼ 2.8%€-64▲ 94.9%
Net result€4k-€-356€-1k▼ 243%€-1k▼ 2.8%€-64▲ 94.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64 in 2025 against €1k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €15k
Equity
€2k▼ 2.9%
Debt
€13k▲ 10.7%
The debt ratio rises from 83.8% to 85.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
14.5%▼
2024 · 16.2%
Current ratio
1.17▼
2024 · 1.19
Quick ratio
0.62▼
2024 · 0.66
Debt / equity
5.91▲
2024 · 5.19
ROE
-3.0%▲
2024 · -57.1%
ROA
-0.4%▲
2024 · -9.2%
Debt
€13k▲
2024 · €11k
Debt ≤ 1 year
€13k▲
2024 · €11k
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€14k€15k▲
Current assets29/58€14k€15k▲
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Cash at bank and in hand54/58€7k€8k▲
Deferred charges and accrued income490/1-€80
Equity and liabilities
Total equity and liabilities10/49€14k€15k▲
Equity10/15€2k€2k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-18k€-18k▼
Amounts payable17/49€11k€13k▲
Amounts payable within one year42/48€11k€13k▲
Trade debts44€95-
Suppliers440/4€95-
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€9k€9k=
Income statement
Code20242025
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-11€1k▲
Operating profit (loss)9901€-1k€-64▲
Financial charges65/66B€0-
Recurring financial charges65€0-
Profit (loss) for the period before taxes9903€-1k€-64▲
Profit (loss) for the period9904€-1k€-64▲
Profit (loss) for the period to be appropriated9905€-1k€-64▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-18k▼
Profit (loss) brought forward from the previous period14P€-17k€-18k▼
The notes to these accounts (1 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 1988
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.
Place Saint-Pholien 54020 LiègeGround area
117 m²
Building footprint
109 m²
Volume, LiDAR
1,932 m³
Parcel 62808A0319/00W000, Wallonia · tallest building 19.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Place Saint-Pholien 5, 4020 Liège
since 19882.038.653.552
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0319/00W000 | Wallonia | 117 m² | 1 · 109 m² | 19.3 m · 6 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
KASSAS
BE 0743.436.803
Sint-Joost-ten-Node · Eq €2k
LA GERABOTTE
BE 0893.608.540
Liège · Eq €2k
PARDAF
BE 0425.156.938
Antwerpen · Eq €2k
L2H SOLUTIONS
BE 0837.712.388
Anderlecht · Eq €3k
A&M BLVD
BE 1005.922.959
Brussel · Eq €3k
Of 949 companies in sector 47792 we hold annual accounts for 184. 46 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-1988
Fiscal year end31-12
Activities, NACEBEL
47792Retail sale of second-hand clothing
52502
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.