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CARO-CONFORT

Active
Public limited companyfounded 1981active for 45 yearsRue de Maestricht 96, 4651 Herve, BelgiumKBO/BCE: BE 0421.611.191
Summary

CARO-CONFORT has been active since 1981 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13.5m and a net result of €1.3m. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 93% of 6,139 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
CARO-CONFORTActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of construction materials, general range
NACE 46831Retail trade NACE 47523
Largest company by equity in Herve, Wholesale and retail trade sector8 sites
Size
€14.9mturnover 2025
Staff
54.8 FTE
Equity
€13.5m
Profit
€1.3m
Financial health
98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Auditor: DGST & Partners – Reviseurs d’entreprises2025 accounts 61 days early1 of 5 deeds summarised
Why 98lowers riskFounded in 1981Liquidity: current ratio 6.21, cash €1.8mEquity €13.5m (90.2% of total assets)Profit of €1.3m (financial year 2025)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 83% of its sector peers (NACE 46, medium-sized)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.2% of total assets
Liquidity 65+8
short-term debt 9.4% · cash 12.3%
Profitability 78+5
return on assets 8.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (746 companies, NACE 46, medium-sized)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: 0.1%▲ +0.1 percentage points vs 12-2024highest value 02-2025: 0.1%● unchanged vs 01-2025highest value 03-2025: 0.1%● unchanged vs 02-2025highest value 04-2025: 0.1%● unchanged vs 03-2025highest value 05-2025: 0.1%● unchanged vs 04-2025highest value 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €1,300,000 on 30-day terms is acceptable
Liquidity ample (current ratio 6.21, compared with 4.97 in 2024, above the usual 1.5; short-term debt: 9.4% and cash: 12.3% of total assets), and 9.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, medium-sized): better than 93% on solvency, 91% on liquidity, 85% on profitability and 64% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Founded in 1981
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 6.21, cash €1.8m
NBB · annual accounts
lowers risk · Equity €13.5m (90.2% of total assets)
NBB · annual accounts
lowers risk · Profit of €1.3m (financial year 2025)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-12-2025, 61 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
61 days early
2024
57 days early
2023
48 days early
2022
43 days early
2021
42 days early
2020
38 days early
2019
42 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 47 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 14 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end25-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Resignations: Roger EUSSEN (director) and Manolita…Appointments: Roger EUSSEN, Manolita ROMERO…

Key points

  • Positive: Largest company by equity in Herve, Wholesale and retail trade sectorin the Checked rankings No. 1 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €1.3m 7 years View
  • Known shareholdersaccounts at 30-06-2025 99% View
  • Active since 1981founded 27-04-1981 45 years View

By topic

Financials

Financial year
2025
Turnover
€14.9m
Profit
€1.3m
Solvency
90.2%
Turnover▲ 4.3%
Net result
20192025
Go to Financials

Board & ownership

Board
3 members
Known shareholders
99%
Auditor
DGST & Partners –…
  • EUSSEN SamuelDirector
  • Manolita ROMERODirector
  • Roger EUSSENDirector
Go to Board & ownership

Timeline

Events
46
Since
1983
Next accounts
by 31-01-2027
  1. 14-12-2023Annual accounts filed
  2. 30-06-2023Highest result from 2019 to 2025
  3. 30-06-2023Equity above €10m
Go to Timeline

Company details

Sites
8
Legal form
Public limited company
Activity
Wholesale of construction materials, general rangeNACE 46831
Founded
27-04-1981
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
41
Annual meeting
Second Monday of December at 15:00
Purpose
“La vente de matériaux de construction,principalement la vente en gros et au détail,avec ou…” (deed in French)
Go to Articles of association

Key facts about CARO-CONFORT

What is the company number of CARO-CONFORT?
0421.611.191. In Belgium the VAT number is the company number with BE in front: BE 0421.611.191.
Where is CARO-CONFORT based?
The registered office is at Rue de Maestricht 96, 4651 Herve.Company details
What does CARO-CONFORT do?
According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
What is the legal form of CARO-CONFORT?
Public limited company (NV).
When was CARO-CONFORT founded?
On 27-04-1981.
Is CARO-CONFORT still active?
Yes, CARO-CONFORT is an active enterprise in the KBO register.
How many employees does CARO-CONFORT have?
On average 54.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CARO-CONFORT?
€14.9m in financial year 2025, according to the filed annual accounts.
Is CARO-CONFORT profitable?
In financial year 2025, CARO-CONFORT made a profit of €1.3m.
Where can I find the annual accounts of CARO-CONFORT?
CARO-CONFORT filed 43 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CARO-CONFORT due?
By 31-01-2027, for financial year 2026.Timeline

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