CAROLEXA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €410k and a net result of €159k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 5511 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 6 filingsDeviation from the deadline
2025
4 d late
2024
22 d late
2023
29 d late
2022
31 d late
2021
30 d late
2020
30 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€410k▲ 23.4%
2024 · €333k
2020: €6k
2021: €208k
2022: €350k
2023: €296k
2024: €333k
2020 → 2025
Net result
€159k▲ 70.3%
2024 · €93k
2020: €70k
2021: €202k
2022: €72k
2023: €106k
2024: €93k
2020 → 2025
Total assets
€744k▼ 10.1%
2024 · €828k
2020: €619k
2021: €789k
2022: €1.11M
2023: €848k
2024: €828k
2020 → 2025
Solvency
55.1%▲ 14.9pp
2024 · 40.2%
2020: 1.0%
2021: 26.4%
2022: 31.4%
2023: 34.9%
2024: 40.2%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€208k-€350k▲ 68.1%€296k▼ 15.5%€333k▲ 12.4%€410k▲ 23.4%
Operating result€55k-€2k▼ 96.0%€12k▲ 451%€12k▼ 0.7%€17k▲ 39.8%
Net result€202k-€72k▼ 64.3%€106k▲ 46.3%€93k▼ 11.9%€159k▲ 70.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €744k
Fixed assets
€707k▼ 2.7%
Current assets
€38k▼ 62.8%
Equity and liabilities €744k
Equity
€410k▲ 23.4%
Debt
€334k▼ 32.5%
The debt ratio falls from 59.8% to 44.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
55.1%▲
2024 · 40.2%
ROE
38.7%▲
2024 · 28.0%
ROA
21.3%▲
2024 · 11.3%
Debt
€334k▼
2024 · €495k
Debt ≤ 1 year
€101k▼
2024 · €228k
Debt > 1 year
€233k▼
2024 · €267k
Income taxes
€4k▼
2024 · €4k
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€828k€744k▼
Fixed assets21/28€726k€707k▼
Tangible fixed assets22/27€490k€470k▼
Land and buildings22€459k€446k▼
Plant, machinery and equipment23€23k€19k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€236k€236k=
Current assets29/58€101k€38k▼
Amounts receivable after more than one year29€42k-
Other amounts receivable291€42k-
Amounts receivable within one year40/41€33k€27k▼
Trade receivables40€30k-
Other amounts receivable41€3k€27k▲
Cash at bank and in hand54/58€25k€10k▼
Deferred charges and accrued income490/1€533€528▼
Equity and liabilities
Total equity and liabilities10/49€828k€744k▼
Equity10/15€333k€410k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€326k€404k▲
Amounts payable17/49€495k€334k▼
Amounts payable after more than one year17€267k€233k▼
Financial debts170/4€267k€233k▼
Amounts payable within one year42/48€228k€101k▼
Current portion of amounts payable after more than one year42€33k€33k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45-€548
Taxes450/3-€548
Other amounts payable47/48€193k€64k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€25k▼
Other operating charges640/8€62€231▲
Gross operating margin9900€40k€42k▲
Operating profit (loss)9901€12k€17k▲
Financial income75/76B€89k€149k▲
Recurring financial income75€89k€149k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€98k€162k▲
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€93k€159k▲
Profit (loss) for the period to be appropriated9905€93k€159k▲
Appropriation of the result
Profit (loss) to be appropriated9906€383k€485k▲
Profit (loss) brought forward from the previous period14P€290k€326k▲
Profit to be distributed694/7€56k€81k▲
Return on contributions (dividend)694€56k€81k▲
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Highest result since 2020net €202k ▲190%
Net result €202k, the highest in the series.
31-12
Financial
Equity above €200kEq €208k ▲3260%
2 profitable years in a row build equity to €208k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-09-2025
Resigned as Director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2019
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.
Wijerveldstraat 693500 HasseltGround area
1,705 m²
Building footprint
200 m²
Volume, LiDAR
1,201 m³
Parcel 71052C0099/00M000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAROLEXA
since 20192.289.217.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052C0099/00M000 | Flanders | 1,705 m² | 1 · 200 m² | 9.3 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.