Caro-Tile
ActiveCaro-Tile has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171k and a net result of €25k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-11
Solvency83▼-17
Growth85=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 10.45 in 2024; short-term debt: 42.5% and cash: 7.7% of total assets), and 42.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
57.5%
Return on assets
8.5%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 7 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
27 d late
2022
71 d late
2021
129 d late
2020
2 d early
2019
122 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€382k▲ 498%
2019 · €64k
2019: €64k
2019 → 2020
EBIT margin
6.0%▼ 0.3pp
2019 · 6.3%
2019: 6.3%
2019 → 2020
Net result
€25k▼ 3.9%
2024 · €27k
2019: €3k
2020: €22k
2021: €41k
2022: €8k
2023: €39k
2024: €27k
2019 → 2025
Working capital
€144k▲ 37.2%
2024 · €105k
2019: €4k
2020: €27k
2021: €67k
2022: €50k
2023: €116k
2024: €105k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€80k▲ 11.6%€119k▲ 49.1%€146k▲ 22.2%€171k▲ 17.5%
Operating result€42k-€11k▼ 73.1%€57k▲ 409%€40k▼ 29.6%€45k▲ 11.6%
Net result€41k-€8k▼ 79.5%€39k▲ 373%€27k▼ 32.5%€25k▼ 3.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€27k▼ 33.2%
Current assets
€271k▲ 133%
Equity and liabilities €298k
Equity
€171k▲ 17.5%
Debt
€127k▲ 1,040%
The debt ratio rises from 7.1% to 42.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▼
2024 · €65k
Cash flow
€43k▼
2024 · €51k
Solvency
57.5%▼
2024 · 92.9%
Current ratio
2.14▼
2024 · 10.45
Quick ratio
2.14▼
2024 · 10.45
Debt / equity
0.74▲
2024 · 0.08
ROE
14.9%▼
2024 · 18.2%
ROA
8.5%▼
2024 · 16.9%
Interest coverage
7.74▼
2024 · 17.05
Debt
€127k▲
2024 · €11k
Debt ≤ 1 year
€127k▲
2024 · €11k
Income taxes
€11k▲
2024 · €10k
Staff costs
€5k▲
2024 · €658
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€157k€298k▲
Fixed assets21/28€41k€27k▼
Tangible fixed assets22/27€41k€27k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€840€534▼
Furniture and vehicles24€36k€24k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€116k€271k▲
Amounts receivable within one year40/41€61k€242k▲
Trade receivables40€0€29k▲
Other amounts receivable41€61k€213k▲
Cash at bank and in hand54/58€51k€23k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€157k€298k▲
Equity10/15€146k€171k▲
Contributions10/11€6k€6k=
Reserves13€140k€165k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€138k€163k▲
Amounts payable17/49€11k€127k▲
Amounts payable within one year42/48€11k€127k▲
Trade debts44€2k€99k▲
Suppliers440/4€2k€99k▲
Taxes, remuneration and social security45€9k€28k▲
Taxes450/3€9k€22k▲
Remuneration and social security454/9€0€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€658€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€18k▼
Other operating charges640/8€61k€3k▼
Gross operating margin9900€126k€71k▼
Operating profit (loss)9901€40k€45k▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€36k€37k▲
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€27k€25k▼
Profit (loss) for the period to be appropriated9905€27k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€25k▼
Transfer to equity691/2€27k€25k▼
To other reserves6921€27k€25k▼
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €171k ▲17.5%
7 profitable years in a row build equity to €171k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 7current ratio 10.45
Current ratio from 1.48 to 10.45; short-term debt falls from €245k to €11k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €100kEq €119k ▲49.1%
5 profitable years in a row build equity to €119k.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
07-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 129 days late
2021
31-12
Financial
Highest result since 2019net €41k ▲86.1%
Net result €41k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Leopoldsburg · 1 establishment unit since 2020
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.
Vaartstraat 113970 LeopoldsburgGround area
1,048 m²
Building footprint
428 m²
Volume, LiDAR
1,639 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Caro-Tile
since 20202.301.158.615
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A3199/00B000 | Flanders | 914 m² | 1 · 239 m² | 5.6 m · 1 fl. |
| 71034A0370/00B000 | Flanders | 135 m² | 1 · 189 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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PBCARRELAGES
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VLOERWERKEN PUYPE
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DE CEUSTER WIM
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-06-2018
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.