CARPOM
ActiveSummary
CARPOM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,668 and a net result of €209. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 5046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69=
Solvency100▲+35
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 33.43 against 51.11 in 2024; short-term debt: 2.5% and cash: 3.9% of total assets), and 2.5% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
97.5%
Return on assets
0.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
12 d late
2024
20 d early
2023
29 d early
2022
28 d early
2021
31 d early
2020
8 d early
2019
28 d early
← 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 19 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 3 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Turnover
€92,187▼ 35.3%
2020 · €142,572
EBIT margin
14.2%▲ 9.1pp
2020 · 5.1%
Net result
€209▲ 212%
2024 · €67
Working capital
€31,637▼ 65.4%
2024 · €91,563
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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€92,187▼ 35.3%
Operating result€13,073▲ 79.7%€3,816▼ 70.8%€729▼ 80.9%€179▼ 75.5%€385▲ 115%
Net result€9,772below the sector's middle half▲ 81.7%€2,814below the sector's middle half▼ 71.2%€502below the sector's middle half▼ 82.1%€67below the sector's middle half▼ 86.7%€209below the sector's middle half▲ 212%
EBIT margin14.2%▲ 9.1pp
Equity€34,077below the sector's middle half▲ 40.2%€36,890below the sector's middle half▲ 8.3%€37,393below the sector's middle half▲ 1.4%€37,460below the sector's middle half▲ 0.2%€37,668below the sector's middle half▲ 0.6%
Total assets€40,857below the sector's middle half▲ 53.6%€42,934below the sector's middle half▲ 5.1%€40,392below the sector's middle half▼ 5.9%€93,391below the sector's middle half▲ 131%€38,644below the sector's middle half▼ 58.6%
Debt€6,780▲ 195%€6,044▼ 10.9%€2,999▼ 50.4%€55,931▲ 1,765%€975▼ 98.3%
Working capital€26,227below the sector's middle half▲ 7.9%€32,098below the sector's middle half▲ 22.4%€35,658below the sector's middle half▲ 11.1%€91,563below the sector's middle half▲ 157%€31,637below the sector's middle half▼ 65.4%
Solvency83.4%above the sector's middle half▼ 7.9pp85.9%above the sector's middle half▲ 2.5pp92.6%above the sector's middle half▲ 6.7pp40.1%within the sector's middle half▼ 52.5pp97.5%above the sector's middle half▲ 57.4pp
Current ratio4.87above the sector's middle half▼ 6.706.31above the sector's middle half▲ 1.4412.89above the sector's middle half▲ 6.5851.11above the sector's middle half▲ 38.2233.43above the sector's middle half▼ 17.67
Return on assets (ROA)23.9%above the sector's middle half▲ 3.7pp6.6%within the sector's middle half▼ 17.4pp1.2%within the sector's middle half▼ 5.3pp0.1%below the sector's middle half▼ 1.2pp0.5%within the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 115% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38,644
Fixed assets
€6,031
Current assets
€32,613
Equity and liabilities €38,644
Equity
€37,668 ▲ 0.6%
Debt
€975 ▼ 98.3%
Debt's share of the balance-sheet total falls from 59.9% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1,354▼
2024 · €1,913
Cash flow
€1,178▼
2024 · €1,801
Quick ratio
1.65▼
2024 · 36.88
Debt to equity
0.03▼
2024 · 1.49
ROE
0.6%▲
2024 · 0.2%
Interest coverage
25.16▼
2024 · 35.42
Debt ≤ 1 year
€975▼
2024 · €1,827
Income taxes
€122▲
2024 · €58
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,048 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.2%
went bankrupt
3.8%
stopped otherwise
94%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,048 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €92,187 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €77,663 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,324 | €3,058 | €3,058 | €1,734 | €969 | ▼ 44.1% |
| Other operating charges640/8 | €128 | €823 | €512 | €515 | €527 | ▲ 2.4% |
| Gross operating margin9900 | €14,524 | €7,696 | €4,298 | €2,428 | €1,881 | ▼ 22.5% |
| Operating profit (loss)9901 | €13,073 | €3,816 | €729 | €179 | €385 | ▲ 115% |
| Financial income75/76B | €0 | - | €13 | - | - | - |
| Recurring financial income75 | €0 | - | €13 | - | - | - |
| Financial charges65/66B | €44 | €56 | €56 | €54 | €54 | ▼ 0.4% |
| Recurring financial charges65 | €44 | €56 | €56 | €54 | €54 | ▼ 0.4% |
| Profit (loss) for the period before taxes9903 | €13,029 | €3,760 | €685 | €125 | €331 | ▲ 165% |
| Income taxes67/77 | €3,257 | €946 | €182 | €58 | €122 | ▲ 111% |
| Profit (loss) for the period9904 | €9,772 | €2,814 | €502 | €67 | €209 | ▲ 212% |
| Profit (loss) for the period to be appropriated9905 | €9,772 | €2,814 | €502 | €67 | €209 | ▲ 212% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,857 | €42,934 | €40,392 | €93,391 | €38,644 | ▼ 58.6% |
| Fixed assets21/28 | €7,850 | €4,792 | €1,734 | - | €6,031 | - |
| Tangible fixed assets22/27 | €7,850 | €4,792 | €1,734 | - | €6,031 | - |
| Plant, machinery and equipment23 | - | - | - | - | €6,031 | - |
| Furniture and vehicles24 | €7,850 | €4,792 | €1,734 | - | - | - |
| Current assets29/58 | €33,007 | €38,142 | €38,657 | €93,391 | €32,613 | ▼ 65.1% |
| Stocks and contracts in progress3 | - | €15,000 | €21,000 | €26,000 | €31,000 | ▲ 19.2% |
| Stocks30/36 | - | €15,000 | €21,000 | €26,000 | €31,000 | ▲ 19.2% |
| Amounts receivable within one year40/41 | €6,195 | €1,952 | €2,732 | €65,737 | €102 | ▼ 99.8% |
| Trade receivables40 | €5,168 | - | - | €65,379 | €95 | ▼ 99.9% |
| Other amounts receivable41 | €1,027 | €1,952 | €2,732 | €358 | €6 | ▼ 98.3% |
| Cash at bank and in hand54/58 | €26,812 | €21,190 | €14,925 | €1,654 | €1,511 | ▼ 8.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,857 | €42,934 | €40,392 | €93,391 | €38,644 | ▼ 58.6% |
| Equity10/15 | €34,077 | €36,890 | €37,393 | €37,460 | €37,668 | ▲ 0.6% |
| Contributions10/11 | €18,620 | €18,620 | €18,620 | €18,620 | €18,620 | = |
| Capital10 | €18,620 | €18,620 | €18,620 | €18,620 | €18,620 | = |
| Issued capital100 | €18,620 | €18,620 | €18,620 | €18,620 | €18,620 | = |
| Reserves13 | €773 | €773 | €773 | €773 | €773 | = |
| Non-distributable reserves130/1 | €773 | €773 | €773 | €773 | €773 | = |
| Legal reserve130 | €773 | €773 | €773 | €773 | €773 | = |
| Profit (loss) carried forward14 | €14,684 | €17,497 | €18,000 | €18,067 | €18,276 | ▲ 1.2% |
| Amounts payable17/49 | €6,780 | €6,044 | €2,999 | €55,931 | €975 | ▼ 98.3% |
| Amounts payable within one year42/48 | €6,780 | €6,044 | €2,999 | €1,827 | €975 | ▼ 46.6% |
| Trade debts44 | - | €125 | €240 | - | - | - |
| Suppliers440/4 | - | €125 | €240 | - | - | - |
| Taxes, remuneration and social security45 | €5,064 | €4,203 | €1,128 | - | €88 | - |
| Taxes450/3 | €5,064 | €4,203 | €1,128 | - | €88 | - |
| Other amounts payable47/48 | €1,716 | €1,716 | €1,631 | €1,827 | €887 | ▼ 51.4% |
| Accrued charges and deferred income492/3 | - | - | - | €54,104 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,772 | €2,814 | €502 | €67 | €209 | ▲ 212% |
| + Depreciation and write-downs630 | €1,324 | €3,058 | €3,058 | €1,734 | €969 | ▼ 44.1% |
| Operating cash flow (approximation) | €11,095 | €5,871 | €3,560 | €1,801 | €1,178 | ▼ 34.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | -€5,622 | -€6,264 | -€13,271 | -€143 | ▲ 98.9% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 51.11
Current ratio from 12.89 to 51.11; short-term debt falls from €2,999 to €1,827.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity doublescurrent ratio 12.89
Current ratio from 6.31 to 12.89; short-term debt falls from €6,044 to €2,999.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €9,772 ▲81.7%
Operating result €13,073, net result €9,772, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €2,942
Net result €2,942 after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Leuze-en-Hainaut · 1 establishment unit since 2016
Ground area
8,763 m²
Building footprint
118 m²
Parcel 51010C0064/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
CARPOM
since 20162.260.267.769
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51010C0064/00A002 | Wallonia | 8,763 m² | 1 · 118 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuze-en-Hainaut2.260.267.769
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Of 958 companies in sector 46319 we hold annual accounts for 611. 288 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668479854
Also
9925:BE0668479854
Registered
22-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.