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Complete company report
Generated 06-08-2026
Active BE 0719.402.280Non-profit association

Carol'Or

Rue du Transvaal 168 ·6010 Charleroi, Belgium· 7 yrs active
Sector: NACE 82990 (82990)
Conclusion Checked

The computed 12-month bankruptcy probability of Carol'Or is 0.1% (very low). The 2023 annual accounts show equity of €18k and a net result of €6k. Equity is shrinking by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 2552 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €18k
Net result €6k
Staff (FTE) 2
Better than sector 17%
Snowflake analysis 5 axes · computed by Checked
Health84Profitability100Solvency22Growth38Stability100
69 / 100

Strong profile, led by profitability.

Health 84
Profitability 100
Solvency 22
Growth 38
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
84 / 100 Excellent
050100

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See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 10-10-2024 with the NBB · fiscal year 2023 · micro
€-5k€0€5k€10kOperating result 2020: €-2k€-2kNet result 2020: €416€416Revenue 2021: €646€646Operating result 2021: €12k€12kNet result 2021: €11k€11kRevenue 2022: €2€2Operating result 2022: €664€664Net result 2022: €220€220Revenue 2023: €376€376Operating result 2023: €6k€6kNet result 2023: €6k€6k2020202120222023
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~29.9%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€20k€40k€60k2024: €12k (€11k - €14k)2025: €9k (€7k - €11k)2026: €6k (€3k - €9k)2020: €51k2021: €37k2022: €12k2023: €18k2020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 7.7% 51.1%
better than 17% of 2552 sector peers
Net result €6k €16k
better than 34% of 2548 sector peers
Equity €18k €34k
better than 35% of 2553 sector peers
Gross operating margin €34k €34k
better than 49% of 2547 sector peers
Staff costs €17k €20k
higher than 46% of 383 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€376
+20788.9% -98% vs sector
EBITDA
€6k
-76.2% -16% vs sector
Net profit
€6k
+2610.4% far above sector median
Cash flow
€6k
-76.5% far above sector median
Total assets
€232k
-11.6% +64% vs sector
Equity
€18k
+50.4% -80% vs sector
Working capital
€48k
-29.2% -40% vs sector
Employees (FTE)
2
0.0% -91% vs sector
Staff costs
€17k
-29.4% -98% vs sector
Income taxes
€84
+2449.8% -94% vs sector
Debt
€183k
-20.1% +132% vs sector
Debt ≤ 1y
€183k
-5.0% +240% vs sector
Current ratio
1.26
-6.7% -5% vs sector
Quick ratio
1.26
-6.7% +6% vs sector
Solvency
7.7%
+70.0% -83% vs sector
Debt / equity
10.32
-46.9% far above sector median
ROE
33.5%
+1702.5% far above sector median
ROA
2.6%
+2964.6% far above sector median
Net margin
1584.0%
-87.0% far above sector median
EBITDA margin
1669.9%
-99.9% 20-23
Interest coverage
15.69
-73.0% far above sector median
Figures by fiscal year
Fiscal year2023
Revenue€376
EBITDA€6k
Net profit€6k
Cash flow€6k
Staff costs€17k
Income taxes€84
Dividends-
Total assets€232k
Equity€18k
Debt€183k
of which ≤ 1y€183k
of which > 1y-
Working capital€48k
Employees (FTE)2.0
Ratios (computed)
2023
Current ratio1.26
Quick ratio1.26
Working capital ratio20.8%
Solvency7.7%
Debt / equity10.32
Long-term debt ratio-
Interest coverage15.69
Gross margin-4652.2%
Net margin1584.0%
ROA2.6%
ROE33.5%
EBITDA margin1669.9%
Days sales outstanding4764d
Days payable outstanding46d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€232k
Fixed assets 21/28€328
Tangible fixed assets 22/27€199
Financial fixed assets 28€129
Current assets 29/58€232k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€216k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€232k
Equity 10/15€18k
Accumulated profits (losses) 14€18k
Provisions & deferred taxes 16€31k
Amounts payable 17/49€183k
Amounts payable within one year 42/48€183k
Trade debts payable within one year 44€2k
Income statement
Turnover 70€376
Gross operating margin 9900€34k
Operating result 9901€6k
Financial income 75€281
Financial charges 65€400
Result before taxes 9903€6k
Income taxes 67/77€84
Net result for the period 9904€6k
Result to be appropriated 9905€6k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 7 directors
Current directors & mandates
  • Jean-Marie Verberght
    Director
    State Gazette act 23064059 (15-05-2023)
    Current
    15-05-2023 → present
  • DUBOIS Philippe
    Director
    State Gazette act 20149222 (15-12-2020)
    Current
    15-12-2020 → present
Former directors (5)
  • Jean-Stéphane Moës
    Director
    State Gazette act 23064059 (15-05-2023)
    Former
    - → 15-05-2023
  • Nicolas Leroy
    Director
    State Gazette act 23064059 (15-05-2023)
    Former
    - → 15-05-2023
  • Papageorgiadis Jean
    Director
    State Gazette act 21047044 (16-04-2021)
    Former
    - → 16-04-2021
  • Gérard Philippe
    Director
    State Gazette act 20149222 (15-12-2020)
    Former
    - → 15-12-2020
  • Vincent LORGE
    Director
    State Gazette act 20149222 (15-12-2020)
    Former
    - → 15-12-2020
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor 1 auditor
Statutory auditor IRE/IBR number Tenure
SCPRL "Joiris - Rousseaux, Réviseurs d'entreprises associés"Current
Statutory auditor · represented by Sébastien GONET
 - 16-04-2021 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary 82990
Legal form Non-profit association(017)
Incorporation25-01-2019
StatusActive
Postal code6010
Connections & network 34 connected companies
Linked via shared directors
Commune de Clavier
viaDUBOIS Philippe · Permanent representative
→
AMP
viaDUBOIS Philippe · Director
former→
former→
CHU HELORA
viaDUBOIS Philippe · Administrateur représentant l'umons
former→
CREDE
viaDUBOIS Philippe · Director
former→
former→
former→
GATE2
viaDUBOIS Philippe · Director
former→
former→
former→
former→
pHd & C°
viaDUBOIS Philippe · Permanent representative
former→
former→
former→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
Bureaux Carol'or
Rue de la Montagne 77/79, 6000 CharleroiOverige verenigingen, neg
since 20202.306.126.597
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52014B0057/00F006 Wallonia 378 m² 1 · 72 m² 11.0 m · 3 fl.
52011B0021/00T002 Wallonia 223 m² 1 · 149 m² 19.1 m · 6 fl.
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.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
05-03-2026
State Gazette act Director changes
2024
10-10-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
15-05-2023
State Gazette act Director changes
v3.2
2022
19-10-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
16-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
16-04-2021
State Gazette act Director changes
v3.2
2020
15-12-2020
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 4 acts
All acts · 4 updated 5 months ago
2026
05-03-2026 1 director appointed, 7 resigning Director changes
  • Bernard André, Bestuurder
  • Colette Joos, Bestuurder
  • Réginald Sion, Bestuurder
  • Bernard André, Bestuurder
  • Michel Babusiaux, Bestuurder
  • Michel Babusiaux, Voorzitter
  • Michel Babusiaux, Délégé à la gestion journalière
  • Aline Caillaux, Bestuurder
Technical details 
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      },
      "statutory": "statutair",
      "compensated": null,
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  "notary": {
    "name": null,
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    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2026-03-05",
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      "body": "algemene_vergadering",
      "date": "2025-07-03",
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  "is_correction": false,
  "subject_company": {
    "kbo": "0719.402.280",
    "name_full": "Carol\u0027Or",
    "legal_form": "ASBL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Michel Babusiaux",
    "org_rep_person_name": null,
    "person_role_at_subject": "secr\u00E9taire et pr\u00E9sident ff"
  },
  "co_filed_documents": [
    "Comptes internes 2023",
    "Comptes annuels 2022",
    "Tableau amortissements",
    "Ex\u00E9cution budg\u00E9taire 2023",
    "Budget pour l\u0027ann\u00E9e 2024",
    "Rapport d\u0027activit\u00E9s 2023",
    "Ex\u00E9cution budg\u00E9taire 2024",
    "Tableau amortissements 2024",
    "Budget pour l\u0027ann\u00E9e 2025",
    "Procuration",
    "Rapport d\u0027activit\u00E9s 2024"
  ],
  "corrected_publication_numac": null
}
2023
15-05-2023 2 resigning, 1 reappointed Director changes
  • Jean-Stéphane Moës, Bestuurder
  • Nicolas Leroy, Bestuurder
  • Jean-Marie Verberght, Bestuurder
Summary: v3.2
Technical details 
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  "subject_company": {
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2021
16-04-2021 1 director appointed, 1 resigning Director changes
  • Sébastien GONET, Commissaris
  • Papageorgiadis Jean, Bestuurder
Summary: v3.2
Technical details 
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        "birth_date": null
      },
      "evidence_quote": "la d\u00E9mission de l\u0027administrateur Papageorgiadis Jean est accept\u00E9e et act\u00E9e par l\u0027AG",
      "discharge_granted": true
    },
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "S\u00E9bastien GONET",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "SCPRL \u0022Joiris - Rousseaux, R\u00E9viseurs d\u0027entreprises associ\u00E9s\u0022",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale du 28 janvier 2021 d\u00E9signe la SCPRL \u0022Joiris - Rousseaux, R\u00E9viseurs d\u0027entreprises associ\u00E9s\u0022, repr\u00E9sent\u00E9e par Monsieur S\u00E9bastien GONET (A02206), en tant que commissaire-r\u00E9viseur pour une dur\u00E9e de trois ans."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0719.402.280",
    "name_full": "CAROL\u0027OR, EN ABREGE : CR",
    "legal_form": "ASBL"
  }
}
2020
15-12-2020 1 director appointed, 2 resigning Director changes
  • Philippe DUBOIS, Bestuurder
  • Vincent LORGE, Bestuurder
  • Philippe GERARD, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Philippe DUBOIS",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale se prononce par un vote sp\u00E9cial sur la d\u00E9charge des administrateurs et du commissaire.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Vincent LORGE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale se prononce par un vote sp\u00E9cial sur la d\u00E9charge des administrateurs et du commissaire.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Philippe GERARD",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale se prononce par un vote sp\u00E9cial sur la d\u00E9charge des administrateurs et du commissaire.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0719.402.280",
    "name_full": "CAROL\u0027OR, EN ABREGE : CR",
    "legal_form": "ASBL"
  }
}
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Company registry (CBE) Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR Carol'Or
AbbreviationFR CR
Registered office
Rue du Transvaal 168 bus 0
6010 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative