CARO
ActiveCARO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €7k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 84% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-4
Solvency100▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.41 against 3.3 in 2024; short-term debt: 21.2% and cash: 26.3% of total assets), and 21.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
78.8%
Return on assets
8%
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 07-08-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 d late
2024
28 d late
2023
20 d late
2022
31 d late
2021
11 d late
2020
27 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 11.2%
2024 · €62k
2018: €19k
2019: €25k
2020: €-29k
2021: €-11k
2022: €13k
2023: €52k
2024: €62k
2018 → 2025
Total assets
€88k▼ 5.4%
2024 · €93k
2018: €63k
2019: €62k
2020: €50k
2021: €61k
2022: €67k
2023: €84k
2024: €93k
2018 → 2025
Net result
€7k▼ 34.9%
2024 · €11k
2018: €6k
2019: €6k
2020: €-54k
2021: €18k
2022: €24k
2023: €38k
2024: €11k
2018 → 2025
Working capital
€64k▲ 7.0%
2024 · €59k
2018: €19k
2019: €27k
2020: €9k
2021: €-6k
2022: €18k
2023: €55k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€13k€52k▲ 284%€62k▲ 20.9%€69k▲ 11.2%
Operating result€18k-€28k▲ 53.8%€52k▲ 86.1%€15k▼ 71.6%€9k▼ 36.3%
Net result€18k-€24k▲ 34.7%€38k▲ 56.5%€11k▼ 71.8%€7k▼ 34.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€6k▼ 24.9%
Current assets
€82k▼ 3.6%
Equity and liabilities €88k
Equity
€69k▲ 11.2%
Debt
€19k▼ 39.2%
The debt ratio falls from 32.9% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €16k
Cash flow
€9k▼
2024 · €12k
Solvency
78.8%▲
2024 · 67.1%
Current ratio
4.41▲
2024 · 3.30
Quick ratio
4.39▲
2024 · 3.26
Debt / equity
0.27▼
2024 · 0.49
ROE
10.1%▼
2024 · 17.3%
ROA
8.0%▼
2024 · 11.6%
Interest coverage
19.94▼
2024 · 57.41
Debt
€19k▼
2024 · €31k
Debt ≤ 1 year
€19k▼
2024 · €26k
Income taxes
€2k▼
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€93k€88k▼
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€85k€82k▼
Stocks and contracts in progress3€927€411▼
Stocks30/36€927€411▼
Amounts receivable within one year40/41€59k€59k▼
Trade receivables40€8k€7k▼
Other amounts receivable41€51k€52k▲
Cash at bank and in hand54/58€26k€23k▼
Deferred charges and accrued income490/1€74€76▲
Equity and liabilities
Total equity and liabilities10/49€93k€88k▼
Equity10/15€62k€69k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€38k€45k▲
Amounts payable17/49€31k€19k▼
Amounts payable after more than one year17€3k-
Other amounts payable178/9€3k-
Amounts payable within one year42/48€26k€19k▼
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Taxes, remuneration and social security45€18k€5k▼
Taxes450/3€18k€5k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€778€835▲
Gross operating margin9900€17k€12k▼
Operating profit (loss)9901€15k€9k▼
Financial income75/76B€228€71▼
Recurring financial income75€228€71▼
Financial charges65/66B€278€570▲
Recurring financial charges65€278€570▲
Profit (loss) for the period before taxes9903€15k€9k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€11k€7k▼
Profit (loss) for the period to be appropriated9905€11k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€45k▲
Profit (loss) brought forward from the previous period14P€27k€38k▲
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €38k ▲56.5%
Operating result €52k, net result €38k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.05
Current ratio from 1.36 to 3.05; short-term debt falls from €48k to €27k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-54k ▼1011%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Truiden · 1 establishment unit since 1999
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.
Kerkom-Dorp 1273800 Sint-TruidenGround area
1,208 m²
Building footprint
200 m²
Volume, LiDAR
789 m³
Parcel 71027A0466/00A000, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CARO
since 19992.092.549.821
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71027A0466/00A000 | Flanders | 1,208 m² | 1 · 200 m² | 6.0 m · 1 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.
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MEUSARDENNES
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JOFFLY
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PARBAM
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Antwerpen · Eq €69k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-1999
Fiscal year end31-12
Activities, NACEBEL
52470
68110Buying and selling of own real estate
16110Sawmilling and planing of wood
46130Agents in the wholesale of timber and building materials
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.