CAROLOR
ActiveCAROLOR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €50k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 90% of 639 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 6.9 against 3.82 in 2024; short-term debt: 11.6% and cash: 25.4% of total assets), and 11.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
88.4%
Return on assets
27.4%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €163k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 8 filingsDeviation from the deadline
2025
11 d late
2024
27 d late
2023
2 d late
2022
16 d late
2021
29 d late
2020
5 d early
2019
19 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€163k▲ 44.9%
2024 · €112k
2018: €8k
2019: €-17k
2020: €-7k
2021: €17k
2022: €63k
2023: €74k
2024: €112k
2018 → 2025
Total assets
€184k▲ 35.4%
2024 · €136k
2018: €69k
2019: €39k
2020: €41k
2021: €128k
2022: €104k
2023: €97k
2024: €136k
2018 → 2025
Net result
€50k▲ 29.6%
2024 · €39k
2018: €2k
2019: €-25k
2020: €10k
2021: €24k
2022: €46k
2023: €11k
2024: €39k
2018 → 2025
Working capital
€126k▲ 89.1%
2024 · €67k
2018: €-15k
2019: €-38k
2020: €-22k
2021: €13k
2022: €44k
2023: €57k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€63k▲ 272%€74k▲ 17.5%€112k▲ 53.0%€163k▲ 44.9%
Operating result€27k-€61k▲ 129%€15k▼ 75.6%€55k▲ 266%€71k▲ 29.9%
Net result€24k-€46k▲ 93.2%€11k▼ 76.1%€39k▲ 256%€50k▲ 29.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€37k▼ 19.7%
Current assets
€147k▲ 63.3%
Equity and liabilities €184k
Equity
€163k▲ 44.9%
Debt
€21k▼ 9.6%
The debt ratio falls from 17.4% to 11.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €60k
Cash flow
€59k▲
2024 · €45k
Solvency
88.4%▲
2024 · 82.6%
Current ratio
6.90▲
2024 · 3.82
Quick ratio
3.08▲
2024 · 1.22
Debt / equity
0.13▼
2024 · 0.21
ROE
31.0%▼
2024 · 34.6%
ROA
27.4%▼
2024 · 28.6%
Interest coverage
1390.00▲
2024 · 861.88
Debt
€21k▼
2024 · €24k
Debt ≤ 1 year
€21k▼
2024 · €24k
Income taxes
€21k▲
2024 · €16k
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€136k€184k▲
Fixed assets21/28€46k€37k▼
Tangible fixed assets22/27€42k€33k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€40k€32k▼
Financial fixed assets28€4k€4k=
Current assets29/58€90k€147k▲
Stocks and contracts in progress3€62k€82k▲
Stocks30/36€62k€82k▲
Amounts receivable within one year40/41€13k€18k▲
Other amounts receivable41€13k€18k▲
Cash at bank and in hand54/58€13k€47k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€136k€184k▲
Equity10/15€112k€163k▲
Contributions10/11€6k€6k=
Reserves13€105€105=
Non-distributable reserves130/1€105€105=
Reserves not available under the articles1311€105€105=
Profit (loss) carried forward14€106k€157k▲
Amounts payable17/49€24k€21k▼
Amounts payable within one year42/48€24k€21k▼
Trade debts44€2k€516▼
Suppliers440/4€2k€516▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€22k€21k▼
Income statement
Code20242025
Non-recurring operating income76A€12k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€9k€2k▼
Gross operating margin9900€69k€82k▲
Operating profit (loss)9901€55k€71k▲
Financial charges65/66B€70€58▼
Recurring financial charges65€70€58▼
Profit (loss) for the period before taxes9903€55k€71k▲
Income taxes67/77€16k€21k▲
Profit (loss) for the period9904€39k€50k▲
Profit (loss) for the period to be appropriated9905€39k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€157k▲
Profit (loss) brought forward from the previous period14P€67k€106k▲
The notes to these accounts (5 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €50k ▲29.6%
Operating result €71k, net result €50k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲44.9%
6 profitable years in a row build equity to €163k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €112k ▲53%
5 profitable years in a row build equity to €112k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.12
Current ratio from 0.54 to 1.12.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €-25k ▼1301%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Charleroi · 1 establishment unit since 2018
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.
Rue Neuve 446000 CharleroiGround area
76 m²
Building footprint
36 m²
Volume, LiDAR
439 m³
Parcel 52011B0107/00K000, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CAROLOR
since 20182.272.155.219
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0107/00K000 | Wallonia | 76 m² | 1 · 36 m² | 14.0 m · 4 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 1,526 companies in sector 32123 we hold annual accounts for 225. 174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-01-2018
Fiscal year end31-12
Activities, NACEBEL
32123Manufacture of jewellery
32124Other manufacturing
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.