CARPE DIEM
ActiveSummary
CARPE DIEM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+50
Solvency92▲+26
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.95 against 1.56 in 2024; short-term debt: 33.2% and cash: 92.9% of total assets), and 33.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.8%
Return on assets
26.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
11 d late
2023
1 d early
2022
25 d late
2021
9 d late
2020
20 d late
2019
89 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▲ 67.3%
2024 · €5k
2018: €38k
2019: €27k
2020: €3k
2021: €-2k
2022: €12k
2023: €9k
2024: €5k
2018 → 2025
Total assets
€14k▲ 1.9%
2024 · €13k
2018: €84k
2019: €60k
2020: €30k
2021: €20k
2022: €20k
2023: €14k
2024: €13k
2018 → 2025
Net result
€4k
2024 · €-4k
2018: €2k
2019: €-11k
2020: €-24k
2021: €-5k
2022: €14k
2023: €-3k
2024: €-4k
2018 → 2025
Working capital
€9k▲ 96.5%
2024 · €4k
2018: €23k
2019: €8k
2020: €-12k
2021: €-5k
2022: €9k
2023: €7k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€12k€9k▼ 23.7%€5k▼ 42.9%€9k▲ 67.3%
Operating result€-2k-€18k€-1k€-2k▼ 65.1%€-7k▼ 235%
Net result€-5k-€14k€-3k€-4k▼ 37.8%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€312 ▼ 67.6%
Current assets
€13k ▲ 7.4%
Equity and liabilities €14k
Equity
€9k ▲ 67.3%
Debt
€4k ▼ 43.0%
Debt's share of the balance-sheet total falls from 59.3% to 33.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €-1k
Cash flow
€4k▲
2024 · €-3k
Current ratio
2.95▲
2024 · 1.56
Debt to equity
0.50▼
2024 · 1.45
ROE
40.2%▲
2024 · -75.0%
ROA
26.9%▲
2024 · -30.6%
Interest coverage
-30.42▼
2024 · -7.25
Debt ≤ 1 year
€4k▼
2024 · €8k
Income taxes
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€14k▲
Fixed assets21/28€963€312▼
Tangible fixed assets22/27€963€312▼
Plant, machinery and equipment23€963€312▼
Current assets29/58€12k€13k▲
Amounts receivable within one year40/41€220€415▲
Other amounts receivable41€220€415▲
Cash at bank and in hand54/58€10k€13k▲
Deferred charges and accrued income490/1€2k€239▼
Equity and liabilities
Total equity and liabilities10/49€13k€14k▲
Equity10/15€5k€9k▲
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-23k€-20k▲
Amounts payable17/49€8k€4k▼
Amounts payable within one year42/48€8k€4k▼
Trade debts44€330-
Suppliers440/4€330-
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€4k€747▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€651▼
Other operating charges640/8€1k€862▼
Non-recurring operating charges66A€5-
Gross operating margin9900€-171€-6k▼
Operating profit (loss)9901€-2k€-7k▼
Financial income75/76B-€12k
Recurring financial income75-€12k
Non-recurring financial income76B-€12k
Financial charges65/66B€164€223▲
Recurring financial charges65€164€223▲
Profit (loss) for the period before taxes9903€-2k€5k▲
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€-4k€4k▲
Profit (loss) for the period to be appropriated9905€-4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-20k▲
Profit (loss) brought forward from the previous period14P€-19k€-23k▼
The notes to these accounts (6 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.24
Current ratio from 0.78 to 2.24; short-term debt falls from €22k to €8k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 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, Huy · 1 establishment unit since 2003
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.
Avenue Reine Astrid 344500 HuyGround area
2,380 m²
Building footprint
155 m²
Volume, LiDAR
1,385 m³
2 parcels, Wallonia · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Perwez 80 A, 5300 Andenne
since 20032.115.234.458
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003B0059/00H000 | Wallonia | 1,926 m² | 1 · 56 m² | - |
| 61322A0967/00S000 | Wallonia | 454 m² | 1 · 98 m² | 16.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CAP INVEST
BE 0711.851.326
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VDS Invest-Projects
BE 0694.837.130
Zedelgem · Eq €9,018
SMARTIDEAS
BE 0551.908.125
Profondeville · Eq €9,084
BUREAU D'EXPERTISE FABIO SPIRITO
BE 0760.782.975
Vorst · Eq €9,095
HUIS ID
BE 0768.929.589
Gistel · Eq €8,999
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 2,807 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.