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CARO MAINTENANCE

Active
Public limited companyfounded 200224 yrs activeZoning Industriel-2ème rue 31, 6040 Charleroi, BelgiumKBO/BCE: BE 0476.584.358
Summary

CARO MAINTENANCE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.4m and a net result of €1.3m. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
CARO MAINTENANCEActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Other building cleaning and industrial cleaning
NACE 81220NACE 74700
#2 employer in Hainaut, Building services and landscaping sector2 sites
Size
€32.2mturnover 2025
Staff
178 FTE
Equity
€5.4m
Profit
€1.3m
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
XLG&CO · 100%
Holdings
3
Accounts 1 d early1 of 25 deeds read
Why 89- Liquidity: current ratio 1.35, cash €627,551- Sector Services to buildings and landscape activities (NACE 81)+ Founded in 2002+ Profit of €1.3m (FY 2025)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 81, medium-sized)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 64+8
equity 38.8% of total assets
Liquidity 25+6
short-term debt 58.7% · cash 4.5%
Profitability 70-4
return on assets 9.3%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (143 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%▼ -4.1% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +4.7% vs 03-2025 05-2025: 0.3%▲ +5.7% vs 04-2025 06-2025: 0.3%▲ +3.1% vs 05-2025 07-2025: 0.4%▲ +37.3% vs 06-2025highest value 08-2025: 0.3%▼ -20.4% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▼ -3.8% vs 01-2026 03-2026: 0.3%▲ +1.8% vs 02-2026 04-2026: 0.3%▲ +8.4% vs 03-2026 05-2026: 0.3%▲ +5.8% vs 04-2026 06-2026: 0.3%▲ +2.4% vs 05-2026 07-2026: 0.4%▲ +9.2% vs 06-2026highest value 08-2026: 0.2%▼ -43.8% vs 07-2026lowest value 09-2026: 0.2%● 0.0% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 1.35, cash €627,551 raises the probability
  • Founded in 2002 lowers the probability for this profile
  • Sector Services to buildings and landscape activities (NACE 81) raises the probability
  • Profit of €1.3m (FY 2025) lowers the probability
Credit up to €470,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.19 in 2024; short-term debt: 58.7% and cash: 4.5% of total assets), and 61.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 81, medium-sized). Better than this share of them on solvency 57%, liquidity 19%, profitability 55%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.35, cash €627,551
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2002
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Services to buildings and landscape activities (NACE 81)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Profit of €1.3m (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
23 d early
2023
21 d early
2022
31 d early
2021
2 d early
2020
10 d late
2019
33 d late
← 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 5 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 11 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Resignation: Katrien SNEPPE (director)State Gazette act
  3. Weakest financial yearnet €1.3m ▼34.3%

Key points

  • Positive: Employer in Hainaut, Building services and landscaping sectorin the Checked rankings #2 View
  • Controlled by XLG&COultimately: Lavaux Invest 100% View
  • Positive: 7 profitable years in a rowprofit 2025: €1.3m 7 years View
  • Caution: Result fell in 2025from €2.0m to €1.3m ▼ 34.3% View
  • A director leftlatest change 04-05-2026 · 0 in office 1 left View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Turnover
€32.2m
Profit
€1.3m
Solvency
38.8%
Turnover▲ 6.9%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 30-07-2026Annual accounts filed
  2. 29-07-2026Resignation: Katrien SNEPPE (director)
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Other building cleaning and industrial cleaningNACE 81220
Founded
09-01-2002
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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