Summary
CARPLAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €46.1m and a net result of €10.9m. Equity is growing by ~40.3% per year across the filed fiscal years. Its solvency ranks better than 57% of 2445 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
16 d early
2023
2 d early
2022
14 d early
2021
1 d late
2020
65 d late
2019
58 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#2 company by total assets in Mouscron, Finance and insurance sector#2 company by equity in Mouscron, Finance and insurance sector#3 oldest company in Mouscron, Finance and insurance sector
Equity
€46.1m▲ 31.0%
2024 · €35.2m
Net result
€10.9m▼ 8.7%
2024 · €11.9m
Total assets
€67.1m▲ 2.5%
2024 · €65.5m
Solvency
68.6%▲ 15.0pp
2024 · 53.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€688,476▲ 31.1%€790,174▲ 14.8%€995,733▲ 26.0%€1.3m▲ 30.1%€2.5m▲ 91.2%
Operating result€438,941▼ 14.3%€630,349▲ 43.6%€743,910▲ 18.0%€1.0m▲ 40.7%€1.7m▲ 65.7%
Net result€3.5mabove the sector's middle half▲ 58.6%€4.2mabove the sector's middle half▲ 21.1%€6.9mabove the sector's middle half▲ 61.9%€11.9mabove the sector's middle half▲ 74.2%€10.9mabove the sector's middle half▼ 8.7%
Equity€12.3mwithin the sector's middle half▲ 39.6%€16.3mwithin the sector's middle half▲ 32.1%€23.1mabove the sector's middle half▲ 42.1%€35.2mabove the sector's middle half▲ 51.9%€46.1mabove the sector's middle half▲ 31.0%
Total assets€19.6mwithin the sector's middle half▲ 32.1%€27.7mwithin the sector's middle half▲ 41.0%€48.0mabove the sector's middle half▲ 73.4%€65.5mabove the sector's middle half▲ 36.6%€67.1mabove the sector's middle half▲ 2.5%
Debt€7.3m▲ 21.4%€11.3m▲ 56.4%€24.8m▲ 118%€30.3m▲ 22.3%€21.0m▼ 30.6%
Working capital€1.0mwithin the sector's middle half▲ 156%€4.4mabove the sector's middle half▲ 328%€8.8mabove the sector's middle half▲ 99.5%€9.7mabove the sector's middle half▲ 10.2%€13.7mabove the sector's middle half▲ 41.7%
Solvency62.8%within the sector's middle half▲ 3.3pp58.9%within the sector's middle half▼ 4.0pp48.2%within the sector's middle half▼ 10.6pp53.7%within the sector's middle half▲ 5.4pp68.6%within the sector's middle half▲ 15.0pp
Current ratio1.67within the sector's middle half▲ 0.513.31above the sector's middle half▲ 1.641.56within the sector's middle half▼ 1.751.67within the sector's middle half▲ 0.112.28within the sector's middle half▲ 0.61
Return on assets (ROA)17.8%above the sector's middle half▲ 3.0pp15.3%above the sector's middle half▼ 2.5pp14.3%above the sector's middle half▼ 1.0pp18.2%above the sector's middle half▲ 3.9pp16.2%above the sector's middle half▼ 2.0pp
Staff (FTE)1below the sector's middle half=2within the sector's middle half▲ 100%3.2within the sector's middle half▲ 60.0%4.2within the sector's middle half▲ 31.3%6.1within the sector's middle half▲ 45.2%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Turnover +91% on 2024. The previous fiscal year ran 13 months, this one 12.
- 2024 Net result +74% on 2023. This fiscal year ran 13 months, the previous one 12.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67.1m
Fixed assets
€42.6m ▲ 3.2%
Current assets
€24.5m ▲ 1.2%
Equity and liabilities €67.1m
Equity
€46.1m ▲ 31.0%
Provisions
€38,644 =
Debt
€21.0m ▼ 30.6%
Debt's share of the balance-sheet total falls from 46.3% to 31.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.7%▼
2024 · 34.0%
Debt ≤ 1 year
€10.7m▼
2024 · €14.5m
Debt > 1 year
€10.1m▼
2024 · €15.6m
Income taxes
€429,243▲
2024 · €172,081
Staff costs
€547,342▲
2024 · €364,529
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €1.3m | €1.5m | €2.1m | €2.9m | €3.9m | ▲ 34.9% |
| Turnover70 | €688,476 | €790,174 | €995,733 | €1.3m | €2.5m | ▲ 91.2% |
| Other operating income74 | €657,305 | €713,723 | €1.1m | €1.6m | €1.4m | ▼ 12.1% |
| Non-recurring operating income76A | - | - | - | - | €3,228 | - |
| Operating charges60/66A | €906,840 | €873,547 | €1.4m | €1.8m | €2.1m | ▲ 17.1% |
| Goods for resale, raw materials and consumables60 | - | - | - | €159,189 | €148,293 | ▼ 6.8% |
| Purchases600/8 | - | - | - | €159,189 | €148,293 | ▼ 6.8% |
| Services and other goods61 | €337,853 | €199,463 | €385,214 | €413,680 | €698,707 | ▲ 68.9% |
| Remuneration, social security and pensions62 | €4,565 | €55,433 | €154,136 | €364,529 | €547,342 | ▲ 50.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €549,345 | €558,842 | €779,837 | €765,980 | €610,726 | ▼ 20.3% |
| Other operating charges640/8 | €15,076 | €59,809 | €81,225 | €105,622 | €113,520 | ▲ 7.5% |
| Operating profit (loss)9901 | €438,941 | €630,349 | €743,910 | €1.0m | €1.7m | ▲ 65.7% |
| Financial income75/76B | €3.3m | €3.9m | €6.8m | €12.7m | €10.3m | ▼ 18.9% |
| Recurring financial income75 | €3.3m | €3.9m | €6.8m | €12.7m | €10.3m | ▼ 18.9% |
| Income from financial fixed assets750 | €2.5m | €3.7m | €6.2m | €11.8m | €9.7m | ▼ 17.8% |
| Income from current assets751 | €37,951 | €162,650 | €551,217 | €810,701 | €529,737 | ▼ 34.7% |
| Other financial income752/9 | €743,183 | €5,015 | €1 | €215 | €0 | ▼ 100.0% |
| Financial charges65/66B | €121,615 | €135,931 | €432,115 | €1.6m | €665,015 | ▼ 58.1% |
| Recurring financial charges65 | €121,615 | €135,931 | €432,115 | €1.2m | €665,015 | ▼ 45.9% |
| Debt charges650 | €120,070 | €135,352 | €428,412 | €1.2m | €662,219 | ▼ 46.0% |
| Other financial charges652/9 | €1,545 | €580 | €3,703 | €4,365 | €2,796 | ▼ 36.0% |
| Non-recurring financial charges66B | - | - | - | €355,579 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €3.6m | €4.4m | €7.1m | €12.1m | €11.3m | ▼ 6.5% |
| Income taxes67/77 | €146,004 | €177,375 | €242,982 | €172,081 | €429,243 | ▲ 149% |
| Taxes670/3 | €146,144 | €177,375 | €242,982 | €172,081 | €429,243 | ▲ 149% |
| Tax adjustments and reversals of tax provisions77 | €140 | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €3.5m | €4.2m | €6.9m | €11.9m | €10.9m | ▼ 8.7% |
| Transfer from tax-exempt reserves789 | - | €34 | €0 | - | - | - |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €3.5m | €4.2m | €6.9m | €11.9m | €10.9m | ▼ 8.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19.6m | €27.7m | €48.0m | €65.5m | €67.1m | ▲ 2.5% |
| Fixed assets21/28 | €17.1m | €21.3m | €23.3m | €41.3m | €42.6m | ▲ 3.2% |
| Tangible fixed assets22/27 | €11.3m | €15.6m | €16.4m | €16.3m | €15.5m | ▼ 4.8% |
| Land and buildings22 | €10.8m | €15.1m | €15.0m | €14.8m | €14.0m | ▼ 5.5% |
| Plant, machinery and equipment23 | - | €5,554 | €10,065 | €132,621 | €179,281 | ▲ 35.2% |
| Furniture and vehicles24 | €106,583 | €99,047 | €87,613 | €114,785 | €99,286 | ▼ 13.5% |
| Other tangible fixed assets26 | €467,922 | €462,047 | €1.3m | €1.3m | €1.3m | ▼ 0.5% |
| Financial fixed assets28 | €5.7m | €5.7m | €6.9m | €25.0m | €27.1m | ▲ 8.4% |
| Affiliated companies280/1 | €5.7m | €5.7m | €6.9m | €25.0m | €27.1m | ▲ 8.4% |
| Participating interests280 | €5.7m | €5.7m | €6.9m | €25.0m | €27.1m | ▲ 8.4% |
| Current assets29/58 | €2.6m | €6.3m | €24.6m | €24.2m | €24.5m | ▲ 1.2% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €1.7m | €6.0m | €24.1m | €24.0m | €16.3m | ▼ 32.1% |
| Trade receivables40 | €160,648 | €339,511 | €117,074 | €265,397 | €278,914 | ▲ 5.1% |
| Other amounts receivable41 | €1.5m | €5.7m | €24.0m | €23.7m | €16.0m | ▼ 32.6% |
| Cash at bank and in hand54/58 | €571,485 | €158,849 | €22,323 | €46,569 | €8.1m | ▲ 17,187% |
| Deferred charges and accrued income490/1 | €310,546 | €159,042 | €525,828 | €157,274 | €151,912 | ▼ 3.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19.6m | €27.7m | €48.0m | €65.5m | €67.1m | ▲ 2.5% |
| Equity10/15 | €12.3m | €16.3m | €23.1m | €35.2m | €46.1m | ▲ 31.0% |
| Contributions10/11 | €340,023 | €61,563 | €61,563 | €61,563 | €61,563 | = |
| Capital10 | €340,023 | €61,563 | €61,563 | €61,563 | €61,563 | = |
| Issued capital100 | €340,023 | €61,563 | €61,563 | €61,563 | €61,563 | = |
| Reserves13 | €84,713 | €197,720 | €197,720 | €197,720 | €197,720 | = |
| Non-distributable reserves130/1 | €34,002 | €34,002 | €34,002 | €34,002 | €34,002 | = |
| Legal reserve130 | €34,002 | €34,002 | €34,002 | €34,002 | €34,002 | = |
| Tax-exempt reserves132 | €50,710 | €50,677 | €50,677 | €50,677 | €50,677 | = |
| Distributable reserves133 | €0 | €113,041 | €113,041 | €113,041 | €113,041 | = |
| Profit (loss) carried forward14 | €11.9m | €16.0m | €22.9m | €34.9m | €45.8m | ▲ 31.3% |
| Provisions and deferred taxes16 | €38,644 | €38,644 | €38,644 | €38,644 | €38,644 | = |
| Provisions for liabilities and charges160/5 | €38,644 | €38,644 | €38,644 | €38,644 | €38,644 | = |
| Pensions and similar obligations160 | €38,644 | €38,644 | €38,644 | €38,644 | €38,644 | = |
| Amounts payable17/49 | €7.3m | €11.3m | €24.8m | €30.3m | €21.0m | ▼ 30.6% |
| Amounts payable after more than one year17 | €5.7m | €9.3m | €8.8m | €15.6m | €10.1m | ▼ 35.6% |
| Financial debts170/4 | €5.7m | €9.3m | €8.8m | €15.6m | €10.1m | ▼ 35.6% |
| Credit institutions173 | €5.1m | €8.8m | €7.9m | €11.9m | €10.1m | ▼ 15.6% |
| Other loans174 | €538,270 | €538,270 | €938,270 | €3.7m | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €1.5m | €1.9m | €15.8m | €14.5m | €10.7m | ▼ 25.9% |
| Current portion of amounts payable after more than one year42 | €537,937 | €1.0m | €917,321 | €1.9m | €5.6m | ▲ 199% |
| Financial debts43 | €61,314 | €0 | €13.9m | €11.1m | €3.7m | ▼ 66.2% |
| Credit institutions430/8 | €61,314 | €0 | €13.9m | €11.1m | €3.7m | ▼ 66.2% |
| Trade debts44 | €418,052 | €298,197 | €54,887 | €202,902 | €111,605 | ▼ 45.0% |
| Suppliers440/4 | €418,052 | €298,197 | €54,887 | €202,902 | €111,605 | ▼ 45.0% |
| Taxes, remuneration and social security45 | €55,105 | €119,325 | €240,778 | €73,022 | €184,306 | ▲ 152% |
| Taxes450/3 | €53,305 | €105,911 | €211,146 | €48,558 | €111,454 | ▲ 130% |
| Remuneration and social security454/9 | €1,800 | €13,415 | €29,632 | €24,463 | €72,852 | ▲ 198% |
| Other amounts payable47/48 | €465,643 | €489,050 | €702,715 | €1.2m | €1.1m | ▼ 9.9% |
| Accrued charges and deferred income492/3 | €37,120 | €91,096 | €128,656 | €178,254 | €208,635 | ▲ 17.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.5m | €4.2m | €6.9m | €11.9m | €10.9m | ▼ 8.7% |
| + Depreciation and write-downs630 | €549,345 | €558,842 | €779,837 | €765,980 | €610,726 | ▼ 20.3% |
| Operating cash flow (approximation) | €4.0m | €4.8m | €7.6m | €12.7m | €11.5m | ▼ 9.4% |
| Investment in fixed assets (approximation) | - | -€4.8m | -€2.8m | -€18.8m | -€1.9m | ▲ 89.7% |
| Change in cash | - | -€412,636 | -€136,526 | €24,246 | €8.0m | ▲ 32,911% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €11.9m ▲74.2%
Net result €11.9m, the highest in the series.
31-12
Financial
Equity above €25mEq €35.2m ▲51.9%
6 profitable years in a row build equity to €35.2m.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
30-11
Financial
Equity above €10mEq €12.3m ▲39.6%
3 profitable years in a row build equity to €12.3m.
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 65 days late
2020
30-11
Financial
Liquidity times 12current ratio 1.16
Current ratio from 0.10 to 1.16.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 58 days late
2019
30-11
Financial
Back to profitnet €5.8m
Net result €5.8m after one loss-making year.
Show earlier events
30-11
Financial
Equity above €5mEq €6.6m ▲663%
Equity rises from €869,439 to €6.6m.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 32 days late
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 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, Mouscron · 1 establishment unit since 1988
Ground area
3,427 m²
Building footprint
247 m²
Volume, LiDAR
1,226 m³
Parcel 54003S0142/00A000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARPLAN
since 19882.040.241.085
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003S0142/00A000 | Wallonia | 3,427 m² | 1 · 247 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
6 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 6
-
100%
-
100%
-
100%
-
100%
-
100%
-
100%
According to the 2025 annual accounts of CARPLAN and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Identification & contact
Identification
Legal formPublic limited company
Founded09-09-1988
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
77110Renting and leasing of cars and light motor vehicles
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0435182481
Also
9925:BE0435182481
Registered
08-10-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders.Bezoldigingen. Divers. (AOPC-1-9-03102/14.05)