CAROMAT
ActiveCAROMAT has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 94% of 3111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-89
Solvency100▲+15
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 10.39 against 2.24 in 2024; short-term debt: 9.1% and cash: 92.6% of total assets), and 9.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.9%
Return on assets
-6.3%
Age of the figures
9 mo
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 d early
2024
66 d early
2023
13 d early
2022
14 d early
2021
19 d late
2020
30 d late
2019
26 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 6.5%
2024 · €32k
2018: €30k
2019: €31k
2020: €32k
2021: €34k
2022: €29k
2023: €13k
2024: €32k
2018 → 2025
Total assets
€33k▼ 38.0%
2024 · €53k
2018: €77k
2019: €71k
2020: €86k
2021: €52k
2022: €47k
2023: €75k
2024: €53k
2018 → 2025
Net result
€-2k
2024 · €20k
2018: €2k
2019: €324
2020: €2k
2021: €2k
2022: €-5k
2023: €-17k
2024: €20k
2018 → 2025
Working capital
€28k▲ 7.6%
2024 · €26k
2018: €12k
2019: €14k
2020: €15k
2021: €20k
2022: €19k
2023: €6k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€29k▼ 14.4%€13k▼ 56.4%€32k▲ 149%€30k▼ 6.5%
Operating result€3k-€-5k€-16k▼ 252%€20k€-2k
Net result€2k-€-5k€-17k▼ 235%€20k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €20k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€2k▼ 69.8%
Current assets
€31k▼ 34.1%
Equity and liabilities €33k
Equity
€30k▼ 6.5%
Debt
€3k▼ 85.8%
The debt ratio falls from 39.8% to 9.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-238▼
2024 · €23k
Cash flow
€-314▼
2024 · €22k
Solvency
90.9%▲
2024 · 60.2%
Current ratio
10.39▲
2024 · 2.24
Quick ratio
10.39▲
2024 · 1.63
Debt / equity
0.10▼
2024 · 0.66
ROE
-6.9%▼
2024 · 62.6%
ROA
-6.3%▼
2024 · 37.7%
Interest coverage
-2.14▼
2024 · 96.61
Debt
€3k▼
2024 · €21k
Debt ≤ 1 year
€3k▼
2024 · €21k
Income taxes
€0▼
2024 · €96
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€53k€33k▼
Fixed assets21/28€6k€2k▼
Tangible fixed assets22/27€6k€2k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€2k€0▼
Current assets29/58€47k€31k▼
Stocks and contracts in progress3€13k€0▼
Stocks30/36€13k€0▼
Amounts receivable within one year40/41€1k€671▼
Other amounts receivable41€1k€671▼
Cash at bank and in hand54/58€32k€30k▼
Deferred charges and accrued income490/1€531€24▼
Equity and liabilities
Total equity and liabilities10/49€53k€33k▼
Equity10/15€32k€30k▼
Contributions10/11€25k€25k=
Reserves13€7k€4k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132€3k€0▼
Distributable reserves133€2k€4k▲
Profit (loss) carried forward14-€1k
Amounts payable17/49€21k€3k▼
Amounts payable within one year42/48€21k€3k▼
Trade debts44€20k€3k▼
Suppliers440/4€20k€3k▼
Taxes, remuneration and social security45€396€246▼
Taxes450/3€396€246▼
Other amounts payable47/48€859€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€898€972▲
Gross operating margin9900€23k€735▼
Operating profit (loss)9901€20k€-2k▼
Financial income75/76B€22€35▲
Recurring financial income75€22€35▲
Financial charges65/66B€233€111▼
Recurring financial charges65€233€111▼
Profit (loss) for the period before taxes9903€20k€-2k▼
Income taxes67/77€96€0▼
Profit (loss) for the period9904€20k€-2k▼
Transfer from tax-exempt reserves789-€3k
Profit (loss) for the period to be appropriated9905€20k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€1k▼
Profit (loss) brought forward from the previous period14P€-18k€0▲
Transfer to equity691/2€963€0▼
To other reserves6921€963€0▼
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 5current ratio 10.39
Current ratio from 2.24 to 10.39; short-term debt falls from €21k to €3k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.24
Current ratio from 1.09 to 2.24; short-term debt falls from €62k to €21k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Waimes · 1 establishment unit since 1985
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 du Centre 34950 WaimesGround area
1,002 m²
Building footprint
147 m²
Volume, LiDAR
900 m³
Parcel 63080F0284/00T000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Centre 3, 4950 Waimes
since 19852.027.410.757
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080F0284/00T000 | Wallonia | 1,002 m² | 1 · 147 m² | 9.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWaimes/Weismes2.027.410.757
Similar companies · same sector, comparable size
TINY
BE 0453.915.359
Gistel · Eq €29k
INTERPLUIM
BE 0405.206.315
Oostkamp · Eq €30k
LA FERME DU MOULIN DE LEUZE
BE 0475.978.802
Leuze-en-Hainaut · Eq €28k
AVIFAGI
BE 0767.844.080
Oreye · Eq €24k
DEWICKE WIM
BE 0462.682.377
Diksmuide · Eq €37k
Of 608 companies in sector 01471 we hold annual accounts for 216. 63 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1985
Fiscal year end31-12
Activities, NACEBEL
01471Crop and animal production, hunting and related service activities
41001General construction of residential buildings
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.