CARODEC0
ActiveCARODEC0 has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.48 in 2024), and 31.9% of the assets are financed with debt.
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
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 · 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
68.1%
Return on assets
12.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €43k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
25 d late
2024
1 d early
2023
20 d early
2022
3 d early
2021
on the day
2020
26 d late
2019
82 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€43k▲ 23.4%
2024 · €35k
2018: €-2k
2019: €-5k
2020: €-4k
2021: €827
2022: €3k
2023: €30k
2024: €35k
2018 → 2025
Total assets
€64k▲ 26.8%
2024 · €50k
2018: €64k
2019: €46k
2020: €45k
2021: €32k
2022: €41k
2023: €54k
2024: €50k
2018 → 2025
Net result
€8k▼ 15.3%
2024 · €10k
2018: €6k
2019: €-3k
2020: €2k
2021: €5k
2022: €3k
2023: €27k
2024: €10k
2018 → 2025
Working capital
€32k▲ 45.1%
2024 · €22k
2018: €-8k
2019: €-12k
2020: €-13k
2021: €-7k
2022: €-2k
2023: €22k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€827-€3k▲ 311%€30k▲ 797%€35k▲ 14.9%€43k▲ 23.4%
Operating result€7k-€5k▼ 30.6%€35k▲ 635%€14k▼ 58.6%€13k▼ 11.5%
Net result€5k-€3k▼ 44.0%€27k▲ 953%€10k▼ 64.3%€8k▼ 15.3%
Turnover and EBIT margin not published: the abbreviated or 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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€11k▼ 14.2%
Current assets
€53k▲ 40.9%
Equity and liabilities €64k
Equity
€43k▲ 23.4%
Debt
€20k▲ 34.8%
The debt ratio rises from 30.0% to 31.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€15k▼
2024 · €16k
Cash flow
€10k▼
2024 · €11k
Solvency
68.1%▼
2024 · 70.0%
Current ratio
2.59▲
2024 · 2.48
Quick ratio
2.59▲
2024 · 2.48
Debt / equity
0.47▲
2024 · 0.43
ROE
19.0%▼
2024 · 27.6%
ROA
12.9%▼
2024 · 19.3%
Interest coverage
6.29▼
2024 · 6.29
Debt
€20k▲
2024 · €15k
Debt ≤ 1 year
€20k▲
2024 · €15k
Income taxes
€2k▼
2024 · €2k
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€50k€64k▲
Fixed assets21/28€13k€11k▼
Tangible fixed assets22/27€13k€11k▼
Plant, machinery and equipment23€3k€2k▼
Other tangible fixed assets26€10k€9k▼
Current assets29/58€37k€53k▲
Amounts receivable within one year40/41€29k€42k▲
Trade receivables40€15k€30k▲
Other amounts receivable41€14k€12k▼
Cash at bank and in hand54/58€5k€10k▲
Deferred charges and accrued income490/1€2k€749▼
Equity and liabilities
Total equity and liabilities10/49€50k€64k▲
Equity10/15€35k€43k▲
Contributions10/11€29k€29k=
Outside capital11€29k€29k=
Other1109/19€29k€29k=
Profit (loss) carried forward14€6k€14k▲
Amounts payable17/49€15k€20k▲
Amounts payable within one year42/48€15k€20k▲
Trade debts44€6k€12k▲
Suppliers440/4€6k€12k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€451€342▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€19k€15k▼
Operating profit (loss)9901€14k€13k▼
Financial income75/76B€160€38▼
Recurring financial income75€160€38▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€12k€10k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€10k€8k▼
Profit (loss) for the period to be appropriated9905€10k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€14k▲
Profit (loss) brought forward from the previous period14P€-3k€6k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €27k ▲953%
Operating result €35k, net result €27k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼151%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Overijse · 1 establishment unit since 1991
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.
Bergstraat 803090 OverijseGround area
3,616 m²
Building footprint
407 m²
Volume, LiDAR
2,123 m³
Parcel 23542H0214/00G000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARODEC
since 19912.055.270.939
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23542H0214/00G000 | Flanders | 3,616 m² | 1 · 407 m² | 9.0 m · 2 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
CONCEPT TOITURE-CARRELAGE
BE 0477.117.066
Flémalle · Eq €43k
FG Carrelage
BE 0773.846.501
Leuze-en-Hainaut · Eq €43k
Jove
BE 0760.521.075
Lille · Eq €43k
LIKO CONSTRUCT
BE 0788.364.728
Sint-Truiden · Eq €43k
NOVA PRO
BE 0735.733.419
Anderlecht · Eq €44k
Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 1,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-1991
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.