Carpentarius
ActiveSummary
The computed 12-month bankruptcy probability of Carpentarius is 2.0% (moderate). The 2025 annual accounts show equity of €69k and a net result of €8k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability80▼-8
Solvency98=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.0 against 7.05 in 2024; short-term debt: 13.5% and cash: 46.3% of total assets), and 26.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
73.5%
Return on assets
8.7%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
4 d early
2024
46 d late
2023
57 d late
2022
34 d early
2021
27 d early
← 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
€69k▼ 24.9%
2024 · €92k
2021: €36k
2022: €45k
2023: €73k
2024: €92k
2021 → 2025
Total assets
€94k▼ 25.6%
2024 · €127k
2021: €58k
2022: €67k
2023: €126k
2024: €127k
2021 → 2025
Net result
€8k▼ 57.5%
2024 · €19k
2021: €31k
2022: €9k
2023: €28k
2024: €19k
2021 → 2025
Working capital
€51k▼ 36.1%
2024 · €79k
2021: €30k
2022: €39k
2023: €58k
2024: €79k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€45k▲ 25.3%€73k▲ 61.2%€92k▲ 26.4%€69k▼ 24.9%
Operating result€44k-€13k▼ 69.2%€40k▲ 199%€32k▼ 20.8%€11k▼ 65.1%
Net result€31k-€9k▼ 70.7%€28k▲ 203%€19k▼ 30.5%€8k▼ 57.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€31k ▼ 9.7%
Current assets
€63k ▼ 31.4%
Equity and liabilities €94k
Equity
€69k ▼ 24.9%
Debt
€25k ▼ 27.3%
Debt's share of the balance-sheet total falls from 27.2% to 26.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €43k
Cash flow
€19k▼
2024 · €31k
Current ratio
5.00▼
2024 · 7.05
Debt to equity
0.36▼
2024 · 0.37
ROE
11.8%▼
2024 · 20.9%
ROA
8.7%▼
2024 · 15.2%
Interest coverage
13.80▲
2024 · 7.50
Debt ≤ 1 year
€13k▼
2024 · €13k
Debt > 1 year
€12k▼
2024 · €20k
Income taxes
€4k▼
2024 · €8k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€127k€94k▼
Fixed assets21/28€34k€31k▼
Tangible fixed assets22/27€34k€31k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€30k€26k▼
Other tangible fixed assets26-€2k
Current assets29/58€93k€63k▼
Amounts receivable within one year40/41€19k€20k▲
Trade receivables40€9k€12k▲
Other amounts receivable41€10k€7k▼
Cash at bank and in hand54/58€73k€44k▼
Deferred charges and accrued income490/1€340€0▼
Equity and liabilities
Total equity and liabilities10/49€127k€94k▼
Equity10/15€92k€69k▼
Contributions10/11€5k€5k=
Reserves13€87k€64k▼
Distributable reserves133€87k€64k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€34k€25k▼
Amounts payable after more than one year17€20k€12k▼
Financial debts170/4€20k€12k▼
Amounts payable within one year42/48€13k€13k▼
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€429€0▼
Taxes450/3€429€0▼
Other amounts payable47/48€0€571▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€45k€24k▼
Operating profit (loss)9901€32k€11k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€27k€12k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€19k€8k▼
Profit (loss) for the period to be appropriated9905€19k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€8k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€19k€8k▼
To other reserves6921€19k€8k▼
Profit to be distributed694/7-€31k
Return on contributions (dividend)694-€31k
The notes to these accounts (13 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼57.5%
Net result drops to €8k, the lowest in the series.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 7.05
Current ratio from 3.37 to 7.05; short-term debt falls from €24k to €13k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wuustwezel · 1 establishment unit since 2021
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.
Keienvenstraat 322990 WuustwezelGround area
1,138 m²
Building footprint
152 m²
Volume, LiDAR
1,047 m³
Parcel 11682G0473/00L013, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carpentarius
since 20212.313.746.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682G0473/00L013 | Flanders | 1,138 m² | 1 · 151 m² | 11.1 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.
Similar companies · same sector, comparable size
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BE 0803.948.371
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Philippe Tanghe - Création Cuisines
BE 0829.654.064
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LIGNUM CONSTRUCT
BE 0694.579.980
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,615 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
Founded14-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:philipcalewaert@carpentarius.be