CAROUD
ActiveCAROUD has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €28k and a net result of €57k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 183 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability88▲+9
Solvency33▼-21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.37 in 2025; short-term debt: 89.6% and cash: 57.4% of total assets), and 92.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2026Solvency, return and age of the figures
Solvency
7.6%
Return on assets
15.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 10-06-2026, 82 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2026
82 d early
2025
62 d early
2024
74 d early
2023
55 d early
2022
64 d early
2020
32 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€28k▼ 69.9%
2025 · €92k
2018: €9k
2019: €12k
2020: €48k
2022: €84k
2023: €94k
2024: €98k
2025: €92k
2018 → 2026
Total assets
€364k▲ 13.5%
2025 · €321k
2018: €333k
2019: €303k
2020: €328k
2022: €294k
2023: €233k
2024: €283k
2025: €321k
2018 → 2026
Net result
€57k▲ 121%
2025 · €26k
2018: €7k
2019: €3k
2020: €36k
2022: €36k
2023: €10k
2024: €40k
2025: €26k
2018 → 2026
Working capital
€8k▼ 90.1%
2025 · €81k
2018: €-28k
2019: €-29k
2020: €8k
2022: €44k
2023: €68k
2024: €89k
2025: €81k
2018 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€84k-€94k▲ 11.4%€98k▲ 4.9%€92k▼ 6.8%€28k▼ 69.9%
Operating result€60k-€21k▼ 65.5%€59k▲ 189%€40k▼ 33.4%€84k▲ 112%
Net result€36k-€10k▼ 73.8%€40k▲ 318%€26k▼ 35.3%€57k▲ 121%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 112% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €364k
Fixed assets
€30k▲ 27.5%
Current assets
€334k▲ 12.4%
Equity and liabilities €364k
Equity
€28k▼ 69.9%
Debt
€337k▲ 46.8%
The debt ratio rises from 71.5% to 92.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▲
2025 · €46k
Cash flow
€62k▲
2025 · €32k
Solvency
7.6%▼
2025 · 28.5%
Current ratio
1.02▼
2025 · 1.37
Quick ratio
0.74▼
2025 · 0.97
Debt / equity
12.23▲
2025 · 2.51
ROE
207.2%▲
2025 · 28.2%
ROA
15.7%▲
2025 · 8.0%
Interest coverage
11.70▲
2025 · 7.21
Debt
€337k▲
2025 · €229k
Debt ≤ 1 year
€326k▲
2025 · €217k
Debt > 1 year
€10k▼
2025 · €12k
Income taxes
€20k▲
2025 · €10k
Staff costs
€139k▼
2025 · €152k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€321k€364k▲
Fixed assets21/28€23k€30k▲
Tangible fixed assets22/27€22k€28k▲
Plant, machinery and equipment23€9k€28k▲
Furniture and vehicles24€13k-
Financial fixed assets28€2k€2k=
Current assets29/58€297k€334k▲
Stocks and contracts in progress3€88k€92k▲
Stocks30/36€88k€92k▲
Amounts receivable within one year40/41€14k€23k▲
Trade receivables40€4k-
Other amounts receivable41€10k€23k▲
Cash at bank and in hand54/58€193k€209k▲
Deferred charges and accrued income490/1€3k€11k▲
Equity and liabilities
Total equity and liabilities10/49€321k€364k▲
Equity10/15€92k€28k▼
Contributions10/11€26k€26k=
Reserves13€66k€2k▼
Distributable reserves133€66k€2k▼
Amounts payable17/49€229k€337k▲
Amounts payable after more than one year17€12k€10k▼
Financial debts170/4€12k€10k▼
Amounts payable within one year42/48€217k€326k▲
Current portion of amounts payable after more than one year42€4k€14k▲
Trade debts44€163k€165k▲
Suppliers440/4€163k€165k▲
Taxes, remuneration and social security45€17k€38k▲
Taxes450/3€1k€20k▲
Remuneration and social security454/9€16k€18k▲
Other amounts payable47/48€33k€109k▲
Accrued charges and deferred income492/3€532€400▼
Income statement
Code20252026
Remuneration, social security and pensions62€152k€139k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€200k€229k▲
Operating profit (loss)9901€40k€84k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€36k€77k▲
Income taxes67/77€10k€20k▲
Profit (loss) for the period9904€26k€57k▲
Profit (loss) for the period to be appropriated9905€26k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€57k▲
Transfer from equity791/2€7k€66k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€32k€121k▲
Return on contributions (dividend)694€32k€121k▲
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 2027, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Highest result since 2018net €57k ▲121%
Operating result €84k, net result €57k, both a record.
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼62%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudenaarde · 1 establishment unit since 2016
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.
Diependale 469700 OudenaardeGround area
696 m²
Building footprint
437 m²
Volume, LiDAR
603 m³
Parcel 45507A0107/00F002, Flanders · tallest building 6.3 m. Linked by address, not a title deed.
1 establishment unit
CAROUD
since 20162.253.166.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45507A0107/00F002 | Flanders | 696 m² | 1 · 437 m² | 6.3 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudenaarde2.253.166.082
Similar companies · same sector, comparable size
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UNION.A
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YOHANNA ELYAS
BE 0694.507.429
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EEKA
BE 0770.848.013
Gent · Eq €28k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2016
Fiscal year end31-01
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
46389Wholesale of other food products
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:carrefour.oudenaarde@gemail.com