Turnover
≈ €2,700 estimated
The micro format states no turnover.
CAROMAT
Lifetime
20 annual accounts with figures on one time axis, 41 filings since 1985Gross marginpeak €23,410 (2024)
€735▼ 96.9%
Resultlowest -€16,514 (2023)
-€2,055▼ €21,948
Equitypeak €34,205 (2021)
€29,740▼ 6.5%
Debts
€2,981▼ 85.8%
Board1 name since 2021
1 directorFrédéric QUERINJEAN
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €23,410 to €735Loss of €2,055Debts from €20,979 to €2,981
Key points
from the 2025 annual accountsLiquidity
10.39 was 2.24 in 2024
Short-term debts fell from €20,979 to €2,981.
Position in the sector
90.9%
Higher solvency than 94% of companies in crop and animal production. Sector median 32.2% · 3,716 companies.
Checked score
95
Excellent
Financially stronger than 57% of micro companies in crop and animal production (NACE 01)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 5,695 companies (NACE 01, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025highest value
06-2025: < 0.1%▼ -0.3 percentage points vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 10.39, cash €30,285
Sector: Crop and animal production, hunting and related service activities (NACE 01)
Equity €29,740 (90.9% of total assets)
Size: total assets €32,721
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 01, micro). It does better than 92% of them on solvency, 98% on liquidity, 12% on profitability and 25% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as CAROMAT has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CAROMAT itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for CAROMAT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.39 (2.24 in 2024), above the usual 1.5. Short-term debt is 9.1% and cash 92.6% of total assets. 9.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 days early
2024
66 days early
2023
13 days early
2022
14 days early
2021
19 days late
2020
30 days late
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 01), the median for financial year 2024 was 3 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 July (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0427502457
Company renamed to CAROMAT
New name: CAROMAT · Change of role: Frédéric QUERINJEAN, from manager to director · General meeting of 23-11-2023 · Gazette deed
First establishment
Rue du Centre 3, Waimes
Incorporation
published on 11-07-1985 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| CAROMAT Waimes | - | - | 90.9% | - |
| JESSEM Maasmechelen | - | - | 64.7% | - |
| LE COQ DE LA POTERIE Lessines | €21,978 | - | 99.9% | - |
| SELECT Brunehaut | - | - | 98.8% | - |
| Moonen Ravels | - | - | 93.8% | - |
| LA FERME DU MOULIN DE LEUZE Leuze-en-Hainaut | - | - | -127.3% | - |
| KREVAN Kortemark | €11,347 | 90.7% | 50.5% | - |
These companies have the same main activity as CAROMAT: crop and animal production, hunting and related service activities (NACE 01471). They are comparable in size and age: total assets between €39,500 and €169,000, founded between 1968 and 2001.
Official details
Source: KBO- Status
- Active since 17-06-1985Normal situation
- Activity
- Crop and animal production, hunting and related service activitiesNACE 01471and 3 others
- Establishment unit
- 2.027.410.7574950 Waimes, since 20-06-1985
- Financial year end
- 31 December
- Peppol
- Reachable since 31-01-2025
Annual accounts 2025
- Total assets
- €32,721▼ 38.0%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on CAROMAT
CAROMAT files the micro format. That format states no turnover. The gross margin fell from €13,852 in 2006 to €735 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CAROMAT
- What is the company number of CAROMAT?
- The company number of CAROMAT is 0427.502.457. The VAT number is the same number with BE in front: BE 0427.502.457.
- Where is CAROMAT based?
- The registered office is at Rue du Centre 3, 4950 Waimes.Company details
- What does CAROMAT do?
- According to the KBO register, the main activity is crop and animal production, hunting and related service activities (NACE 01471).
- What is the legal form of CAROMAT?
- CAROMAT is a private limited company (BV).
- When was CAROMAT founded?
- CAROMAT was founded on 17-06-1985.
- Is CAROMAT still active?
- Yes, CAROMAT is an active enterprise in the KBO register.
- What is the turnover of CAROMAT?
- The turnover in financial year 2025 is ≈ €2,700. This figure is estimated from the gross margin of €735 and 33 comparable companies (NACE 01). It probably lies between €1,300 and €6,300. It is a rough estimate.Financials
- Is CAROMAT profitable?
- In financial year 2025, CAROMAT made a loss of €2,055.
- Where can I find the annual accounts of CAROMAT?
- CAROMAT filed 41 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAROMAT due?
- CAROMAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.