CARPE DIEM
ActiveCARPE DIEM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.43M and a net result of €335k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 88% of 2935 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▲+7
Solvency98▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 6.3 against 3.39 in 2023; short-term debt: 11% and cash: 33.7% of total assets), and 27.3% 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
72.7%
Return on assets
17.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
33 d early
2022
8 d late
2021
34 d early
2020
4 d early
2019
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.43M▲ 25.0%
2023 · €1.14M
2018: €346k
2019: €463k
2020: €508k
2021: €748k
2022: €995k
2023: €1.14M
2018 → 2024
Total assets
€1.96M▲ 7.7%
2023 · €1.82M
2018: €1.08M
2019: €1.22M
2020: €1.30M
2021: €1.56M
2022: €1.74M
2023: €1.82M
2018 → 2024
Net result
€335k▲ 61.9%
2023 · €207k
2018: €50k
2019: €118k
2020: €44k
2021: €241k
2022: €247k
2023: €207k
2018 → 2024
Working capital
€1.14M▲ 50.3%
2023 · €757k
2018: €150k
2019: €204k
2020: €233k
2021: €392k
2022: €653k
2023: €757k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€508k-€748k▲ 47.4%€995k▲ 33.0%€1.14M▲ 14.6%€1.43M▲ 25.0%
Operating result€79k-€325k▲ 314%€375k▲ 15.2%€280k▼ 25.2%€447k▲ 59.5%
Net result€44k-€241k▲ 441%€247k▲ 2.6%€207k▼ 16.2%€335k▲ 61.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 60% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.96M
Fixed assets
€608k▼ 18.5%
Current assets
€1.35M▲ 26.0%
Equity and liabilities €1.96M
Equity
€1.43M▲ 25.0%
Debt
€536k▼ 21.1%
The debt ratio falls from 37.3% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€542k▲
2023 · €414k
Cash flow
€430k▲
2023 · €341k
Solvency
72.7%▲
2023 · 62.7%
Current ratio
6.30▲
2023 · 3.39
Quick ratio
6.23▲
2023 · 3.35
Debt / equity
0.38▼
2023 · 0.60
ROE
23.5%▲
2023 · 18.1%
ROA
17.1%▲
2023 · 11.4%
Interest coverage
34.25▲
2023 · 25.08
Debt
€536k▼
2023 · €680k
Debt ≤ 1 year
€215k▼
2023 · €316k
Debt > 1 year
€309k▼
2023 · €358k
Income taxes
€107k▲
2023 · €66k
Staff costs
€437k▲
2023 · €403k
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€1.82M€1.96M▲
Fixed assets21/28€747k€608k▼
Tangible fixed assets22/27€747k€608k▼
Land and buildings22€626k€551k▼
Plant, machinery and equipment23€59k€48k▼
Furniture and vehicles24€61k€8k▼
Current assets29/58€1.07M€1.35M▲
Amounts receivable after more than one year29€133k€208k▲
Trade receivables290€133k€108k▼
Other amounts receivable291-€100k
Stocks and contracts in progress3€14k€14k=
Stocks30/36€14k€14k=
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Current investments50/53€338k€396k▲
Cash at bank and in hand54/58€575k€662k▲
Deferred charges and accrued income490/1€11k€73k▲
Equity and liabilities
Total equity and liabilities10/49€1.82M€1.96M▲
Equity10/15€1.14M€1.43M▲
Contributions10/11€44k€44k=
Reserves13€1.10M€1.38M▲
Distributable reserves133€1.10M€1.38M▲
Amounts payable17/49€680k€536k▼
Amounts payable after more than one year17€358k€309k▼
Financial debts170/4€358k€309k▼
Amounts payable within one year42/48€316k€215k▼
Current portion of amounts payable after more than one year42€94k€74k▼
Trade debts44€45k€52k▲
Suppliers440/4€45k€52k▲
Advances received on contracts in progress46€3k€7k▲
Taxes, remuneration and social security45€124k€49k▼
Taxes450/3€99k€24k▼
Remuneration and social security454/9€25k€25k▼
Other amounts payable47/48€50k€33k▼
Accrued charges and deferred income492/3€5k€12k▲
Income statement
Code20232024
Remuneration, social security and pensions62€403k€437k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€134k€95k▼
Other operating charges640/8€3k€7k▲
Gross operating margin9900€820k€986k▲
Operating profit (loss)9901€280k€447k▲
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€273k€441k▲
Income taxes67/77€66k€107k▲
Profit (loss) for the period9904€207k€335k▲
Profit (loss) for the period to be appropriated9905€207k€335k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207k€335k▲
Transfer from equity791/2€11k€50k▲
Transfer to equity691/2€157k€335k▲
To other reserves6921€157k€335k▲
Profit to be distributed694/7€61k€50k▼
Return on contributions (dividend)694€11k€50k▲
Directors or managers695€50k-
Social balance
Average headcount (FTE)90878.19.8▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €335k ▲61.9%
Operating result €447k, net result €335k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.14M ▲14.6%
6 profitable years in a row build equity to €1.14M.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €44k ▼62.2%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €508k ▲9.6%
3 profitable years in a row build equity to €508k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Sint-Laureins · 1 establishment unit since 2001
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.
Dorpsstraat(STL) 1479980 Sint-LaureinsGround area
819 m²
Building footprint
710 m²
Volume, LiDAR
3,189 m³
Parcel 43014A0785/00T002, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CARPE DIEM
since 20012.097.749.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43014A0785/00T002 | Flanders | 819 m² | 1 · 710 m² | 10.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 438 EUR awarded · 261 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 438 EUR | 261 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Laureins2.097.749.417
Dual-learning approval
7 live approvals · 7 endedHulpkelner (vwo)
Hulpkelner duaal (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Show 1 more
Restaurant en keuken duaal (so)
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 3,137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-12-2000
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
55522
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.