CAROVER
ActiveCAROVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €15k and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 1420 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1420 sector peers (2024).
NBB · sector comparisonPosition among 1420 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
13 d early
2022
3 d early
2021
5 d late
2020
26 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€15k▼ 43.2%
2023 · €26k
2018: €2k
2019: €-4k
2020: €-25k
2021: €-23k
2022: €-15k
2023: €26k
2018 → 2024
Net result
€-11k
2023 · €41k
2018: €-71k
2019: €-6k
2020: €-21k
2021: €2k
2022: €8k
2023: €41k
2018 → 2024
Total assets
€142k▼ 19.8%
2023 · €178k
2018: €319k
2019: €288k
2020: €294k
2021: €299k
2022: €262k
2023: €178k
2018 → 2024
Solvency
10.4%▼ 4.3pp
2023 · 14.7%
2018: 0.6%
2019: -1.4%
2020: -8.4%
2021: -7.6%
2022: -5.8%
2023: 14.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-25k-€-23k▲ 8.6%€-15k▲ 33.5%€26k€15k▼ 43.2%
Operating result€-13k-€15k€23k▲ 48.5%€58k▲ 154%€-5k
Net result€-21k-€2k€8k▲ 258%€41k▲ 442%€-11k
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 turns negative in 2024: a loss of €5k after €58k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €142k
Fixed assets
€77k▼ 21.4%
Current assets
€65k▼ 17.9%
Equity and liabilities €142k
Equity
€15k▼ 43.2%
Debt
€128k▼ 15.8%
The debt ratio rises from 85.3% to 89.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
10.4%▼
2023 · 14.7%
ROE
-76.2%▼
2023 · 157.9%
ROA
-7.9%▼
2023 · 23.2%
Debt
€128k▼
2023 · €151k
Debt ≤ 1 year
€24k▼
2023 · €25k
Debt > 1 year
€103k▼
2023 · €126k
Income taxes
€875▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€178k€142k▼
Fixed assets21/28€98k€77k▼
Tangible fixed assets22/27€98k€77k▼
Land and buildings22€85k€71k▼
Furniture and vehicles24€13k€6k▼
Financial fixed assets28€125€100▼
Current assets29/58€79k€65k▼
Amounts receivable within one year40/41€0€2k▲
Trade receivables40€0-
Other amounts receivable41-€2k
Current investments50/53€74k€55k▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€178k€142k▼
Equity10/15€26k€15k▼
Contributions10/11€19k€19k=
Reserves13€54k€54k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€52k€54k▲
Profit (loss) carried forward14€-47k€-58k▼
Amounts payable17/49€151k€128k▼
Amounts payable after more than one year17€126k€103k▼
Financial debts170/4€126k€103k▼
Amounts payable within one year42/48€25k€24k▼
Current portion of amounts payable after more than one year42€18k€17k▼
Financial debts43€589€1k▲
Credit institutions430/8€589€518▼
Other loans439-€651
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€945€939▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A€53k€0▼
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€80k€19k▼
Operating profit (loss)9901€58k€-5k▼
Financial income75/76B€6€580▲
Recurring financial income75€6€580▲
Financial charges65/66B€14k€6k▼
Recurring financial charges65€14k€6k▼
Profit (loss) for the period before taxes9903€44k€-10k▼
Income taxes67/77€3k€875▼
Profit (loss) for the period9904€41k€-11k▼
Profit (loss) for the period to be appropriated9905€41k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-58k▼
Profit (loss) brought forward from the previous period14P€-88k€-47k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €41k ▲442%
Operating result €58k, net result €41k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.28 to 3.13; short-term debt falls from €31k to €25k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 5 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
Verbocht Caroline Viviane Frans Maria
CurrentDirector · since 01-01-2020
21-08-2024
Verbocht Caroline: Resigned as Director
01-01-2020
Verbocht Caroline Viviane Frans Maria: Appointed as Director
Location & real-estate footprint
Registered office, Wuustwezel · 1 establishment unit since 2006
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.
Baan 222990 WuustwezelGround area
889 m²
Building footprint
172 m²
Volume, LiDAR
1,223 m³
Parcel 11053D0897/00K000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carover
since 20062.155.999.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11053D0897/00K000 | Flanders | 889 m² | 1 · 172 m² | 10.4 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
Legal Entity Identifier
9845009D610YCF3H5602
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 1,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2006
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@carover.be
Phone:0486/781372