CAROIL
ActiveSummary
CAROIL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €2k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-8
Solvency86▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 1.42 in 2024; short-term debt: 19.9% and cash: 4% of total assets), and 38.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
61.3%
Return on assets
0.3%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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
40 d late
2024
28 d late
2023
28 d early
2022
23 d late
2021
61 d late
2020
89 d late
2019
104 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€304k▲ 0.5%
2024 · €303k
2018: €116k
2019: €125k
2020: €140k
2021: €190k
2022: €213k
2023: €260k
2024: €303k
2018 → 2025
Total assets
€496k▼ 26.6%
2024 · €677k
2018: €674k
2019: €678k
2020: €610k
2021: €640k
2022: €506k
2023: €487k
2024: €677k
2018 → 2025
Net result
€2k▼ 96.1%
2024 · €43k
2018: €-7k
2019: €9k
2020: €15k
2021: €50k
2022: €23k
2023: €47k
2024: €43k
2018 → 2025
Working capital
€128k▲ 24.3%
2024 · €103k
2018: €19k
2019: €-1k
2020: €-4k
2021: €22k
2022: €82k
2023: €113k
2024: €103k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€213k▲ 11.9%€260k▲ 22.3%€303k▲ 16.4%€304k▲ 0.5%
Operating result€63k-€34k▼ 46.6%€64k▲ 90.2%€61k▼ 4.7%€10k▼ 83.0%
Net result€50k-€23k▼ 55.2%€47k▲ 110%€43k▼ 10.3%€2k▼ 96.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€270k ▼ 18.7%
Current assets
€226k ▼ 34.3%
Equity and liabilities €496k
Equity
€304k ▲ 0.5%
Debt
€192k ▼ 48.6%
Debt's share of the balance-sheet total falls from 55.3% to 38.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €103k
Cash flow
€69k▼
2024 · €85k
Current ratio
2.29▲
2024 · 1.42
Quick ratio
2.24▲
2024 · 1.41
Debt to equity
0.63▼
2024 · 1.24
ROE
0.5%▼
2024 · 14.1%
ROA
0.3%▼
2024 · 6.3%
Interest coverage
9.04▼
2024 · 16.10
Debt ≤ 1 year
€99k▼
2024 · €242k
Debt > 1 year
€92k▼
2024 · €132k
Income taxes
€781▼
2024 · €12k
Staff costs
€0▼
2024 · €891
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€677k€496k▼
Fixed assets21/28€332k€270k▼
Tangible fixed assets22/27€331k€269k▼
Land and buildings22€245k€208k▼
Furniture and vehicles24€70k€57k▼
Leasing and similar rights25€16k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€344k€226k▼
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€306k€199k▼
Trade receivables40€59k€53k▼
Other amounts receivable41€247k€146k▼
Cash at bank and in hand54/58€33k€20k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€677k€496k▼
Equity10/15€303k€304k▲
Contributions10/11€236k€236k=
Capital10€236k€236k=
Issued capital100€236k€236k=
Reserves13€67k€68k▲
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Distributable reserves133€43k€45k▲
Amounts payable17/49€374k€192k▼
Amounts payable after more than one year17€132k€92k▼
Financial debts170/4€132k€92k▼
Amounts payable within one year42/48€242k€99k▼
Current portion of amounts payable after more than one year42€67k€35k▼
Trade debts44€114k€35k▼
Suppliers440/4€114k€35k▼
Taxes, remuneration and social security45€37k€25k▼
Taxes450/3€37k€25k▼
Other amounts payable47/48€24k€3k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€119€1k▲
Remuneration, social security and pensions62€891€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€67k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€215
Other operating charges640/8€7k€12k▲
Gross operating margin9900€111k€90k▼
Operating profit (loss)9901€61k€10k▼
Financial income75/76B€3€710▲
Recurring financial income75€3€710▲
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€54k€2k▼
Income taxes67/77€12k€781▼
Profit (loss) for the period9904€43k€2k▼
Profit (loss) for the period to be appropriated9905€43k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€2k▼
Transfer to equity691/2€43k€2k▼
To other reserves6921€43k€2k▼
The notes to these accounts (10 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 40 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Equity above €200kEq €213k ▲11.9%
4 profitable years in a row build equity to €213k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €50k ▲246%
Net result €50k, the highest in the series.
31-12
Financial
Equity above €150kEq €190k ▲36.1%
3 profitable years in a row build equity to €190k.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 104 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 86 days late
06-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 279 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Herselt · 2 establishment units 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.
Westerlosesteenweg 1522230 HerseltGround area
1,513 m²
Building footprint
549 m²
Volume, LiDAR
1,401 m³
3 parcels, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
CAROIL
since 19912.054.674.190
CAROIL
since 20202.309.594.348
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13013A0419/00W003 | Flanders | 725 m² | 1 · 236 m² | - |
| 13013A0419/00G003 | Flanders | 512 m² | 1 · 191 m² | 9.5 m · 1 fl. |
| 13049A0568/00Z002 | Flanders | 276 m² | 1 · 122 m² | 7.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
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A&M BM Genk
BE 0424.710.936
Dilsen-Stokkem · Eq €304,144
Q1
BE 0771.676.570
Maaseik · Eq €303,792
RAMAKERS
BE 0808.463.326
Borgloon · Eq €304,972
Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,239 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-10-1991
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.