CARPY
ActiveSummary
CARPY has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-4k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability25▼-5
Solvency63▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.93 in 2024; short-term debt: 33.9% and cash: 34.4% of total assets), but 61.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.4%
Return on assets
-1.8%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-4k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
21 d early
2022
4 d early
2021
1 d late
2020
3 d early
2019
22 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▼ 4.5%
2024 · €80k
2019: €182khighest in 7 years
2020: €171k▼ -6.2% vs 2019
2021: €179k▲ +4.7% vs 2020
2022: €179k● +0.0% vs 2021
2023: €173k▼ -3.1% vs 2022
2024: €80k▼ -54.0% vs 2023
2025: €76k▼ -4.5% vs 2024lowest in 7 years
2019 → 2025
Total assets
€199k▼ 12.9%
2024 · €228k
2019: €276k
2020: €261k▼ -5.5% vs 2019
2021: €287k▲ +9.9% vs 2020highest in 7 years
2022: €261k▼ -9.1% vs 2021
2023: €190k▼ -27.1% vs 2022lowest in 7 years
2024: €228k▲ +20.2% vs 2023
2025: €199k▼ -12.9% vs 2024
2019 → 2025
Net result
€-4k▼ 27.1%
2024 · €-3k
2019: €-11k
2020: €-11k▼ -4.9% vs 2019lowest in 7 years
2021: €8k▲ +170% vs 2020highest in 7 years
2022: €74▼ -99.1% vs 2021
2023: €-6k▼ -7519% vs 2022
2024: €-3k▲ +49.3% vs 2023
2025: €-4k▼ -27.1% vs 2024
2019 → 2025
Working capital
€43k
2024 · €-10k
2019: €81khighest in 7 years
2020: €67k▼ -17.0% vs 2019
2021: €80k▲ +19.4% vs 2020
2022: €80k▲ +0.3% vs 2021
2023: €76k▼ -4.5% vs 2022
2024: €-10k▼ -113% vs 2023lowest in 7 years
2025: €43k▲ +547% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€179k-€179k=€173k▼ 3.1%€80k▼ 54.0%€76k▼ 4.5%
2021: €179k
2022: €179k● +0.0% vs 2021highest in 5 years
2023: €173k▼ -3.1% vs 2022
2024: €80k▼ -54.0% vs 2023
2025: €76k▼ -4.5% vs 2024lowest in 5 years
Operating result€8k-€3k▼ 59.9%€-5k€510€-246
2021: €8khighest in 5 years
2022: €3k▼ -59.9% vs 2021
2023: €-5k▼ -257% vs 2022lowest in 5 years
2024: €510▲ +110% vs 2023
2025: €-246▼ -148% vs 2024
Net result€8k-€74▼ 99.1%€-6k€-3k▲ 49.3%€-4k▼ 27.1%
2021: €8khighest in 5 years
2022: €74▼ -99.1% vs 2021
2023: €-6k▼ -7519% vs 2022lowest in 5 years
2024: €-3k▲ +49.3% vs 2023
2025: €-4k▼ -27.1% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €246 after €510 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€89k ▼ 4.1%
Current assets
€110k ▼ 19.0%
Equity and liabilities €199k
Equity
€76k ▼ 4.5%
Debt
€123k ▼ 17.5%
Debt's share of the balance-sheet total falls from 65.1% to 61.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €5k
Cash flow
€210▼
2024 · €2k
Current ratio
1.63▲
2024 · 0.93
Debt to equity
1.61▼
2024 · 1.86
ROE
-4.7%▼
2024 · -3.5%
ROA
-1.8%▼
2024 · -1.2%
Interest coverage
1.06▼
2024 · 1.55
Debt ≤ 1 year
€67k▼
2024 · €146k
Debt > 1 year
€52k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€228k€199k▼
Fixed assets21/28€92k€89k▼
Tangible fixed assets22/27€92k€89k▼
Land and buildings22€87k€85k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€1k€302▼
Current assets29/58€136k€110k▼
Amounts receivable within one year40/41€50k€40k▼
Trade receivables40€49k€40k▼
Other amounts receivable41€1k-
Cash at bank and in hand54/58€85k€68k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€228k€199k▼
Equity10/15€80k€76k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€58k€54k▼
Amounts payable17/49€149k€123k▼
Amounts payable after more than one year17-€52k
Other amounts payable178/9-€52k
Amounts payable within one year42/48€146k€67k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€141k€63k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€10k=
Other operating charges640/8€4k€4k▲
Gross operating margin9900€19k€17k▼
Operating profit (loss)9901€510€-246▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-3k€-4k▼
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€54k▼
Profit (loss) brought forward from the previous period14P€61k€58k▼
Transfer from equity791/2€91k-
Profit to be distributed694/7€91k-
Return on contributions (dividend)694€91k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €4k | €4k | €5k | €4k | ▼ 18.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €19k | €19k | €10k | €10k | = |
| Other operating charges640/8 | - | €3k | €4k | €4k | €4k | ▲ 2.7% |
| Gross operating margin9900 | €18k | €30k | €23k | €19k | €17k | ▼ 8.0% |
| Operating profit (loss)9901 | €8k | €3k | €-5k | €510 | €-246 | ▼ 148% |
| Financial income75/76B | - | €2 | - | €1 | - | - |
| Recurring financial income75 | €0 | €2 | - | €1 | - | - |
| Financial charges65/66B | - | €433 | €348 | €3k | €3k | ▲ 0.1% |
| Recurring financial charges65 | €227 | €433 | €348 | €3k | €3k | ▲ 0.1% |
| Profit (loss) for the period before taxes9903 | €8k | €3k | €-6k | €-3k | €-4k | ▼ 27.1% |
| Income taxes67/77 | - | €3k | - | - | - | - |
| Profit (loss) for the period9904 | €8k | €74 | €-6k | €-3k | €-4k | ▼ 27.1% |
| Transfer from tax-exempt reserves789 | - | €19k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €8k | €19k | €-6k | €-3k | €-4k | ▼ 27.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €287k | €261k | €190k | €228k | €199k | ▼ 12.9% |
| Fixed assets21/28 | €99k | €99k | €97k | €92k | €89k | ▼ 4.1% |
| Tangible fixed assets22/27 | €99k | €99k | €97k | €92k | €89k | ▼ 4.1% |
| Land and buildings22 | - | €90k | €89k | €87k | €85k | ▼ 1.9% |
| Plant, machinery and equipment23 | - | €5k | €5k | €4k | €3k | ▼ 27.4% |
| Furniture and vehicles24 | - | €4k | €3k | €1k | €302 | ▼ 77.0% |
| Current assets29/58 | €188k | €162k | €93k | €136k | €110k | ▼ 19.0% |
| Stocks and contracts in progress3 | €4k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €98k | €82k | €64k | €50k | €40k | ▼ 19.5% |
| Trade receivables40 | - | €82k | €63k | €49k | €40k | ▼ 17.6% |
| Other amounts receivable41 | - | - | €666 | €1k | - | - |
| Cash at bank and in hand54/58 | €84k | €80k | €28k | €85k | €68k | ▼ 19.1% |
| Deferred charges and accrued income490/1 | - | €310 | €1k | €1k | €1k | ▲ 3.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €287k | €261k | €190k | €228k | €199k | ▼ 12.9% |
| Equity10/15 | €179k | €179k | €173k | €80k | €76k | ▼ 4.5% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | €112k | €93k | €93k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Other1319 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €91k | €91k | €2k | €2k | = |
| Profit (loss) carried forward14 | €47k | €66k | €61k | €58k | €54k | ▼ 6.1% |
| Amounts payable17/49 | €108k | €82k | €17k | €149k | €123k | ▼ 17.5% |
| Amounts payable after more than one year17 | - | - | - | - | €52k | - |
| Other amounts payable178/9 | - | - | - | - | €52k | - |
| Amounts payable within one year42/48 | €108k | €82k | €17k | €146k | €67k | ▼ 53.7% |
| Trade debts44 | €4k | €6k | €2k | €5k | €3k | ▼ 45.1% |
| Suppliers440/4 | - | €6k | €2k | €5k | €3k | ▼ 45.1% |
| Taxes, remuneration and social security45 | - | €4k | - | - | €1k | - |
| Taxes450/3 | - | €4k | - | - | €1k | - |
| Other amounts payable47/48 | - | €72k | €14k | €141k | €63k | ▼ 55.0% |
| Accrued charges and deferred income492/3 | - | - | - | €3k | €3k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €74 | €-6k | €-3k | €-4k | ▼ 27.1% |
| + Depreciation and write-downs630 | €5k | €4k | €4k | €5k | €4k | ▼ 18.5% |
| Operating cash flow (approximation) | €13k | €4k | €-1k | €2k | €210 | ▼ 88.5% |
| Investment in fixed assets (approximation) | - | €-4k | €-2k | €0 | €0 | - |
| Change in cash | - | €-5k | €-52k | €57k | €-16k | ▼ 129% |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity triplescurrent ratio 5.60
Current ratio from 1.98 to 5.60; short-term debt falls from €82k to €17k.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Wasseiges · 1 establishment unit since 1989
Ground area
1,380 m²
Building footprint
95 m²
Parcel 64048B0290/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CARPY
since 19892.044.363.783
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64048B0290/00V000 | Wallonia | 1,380 m² | 1 · 95 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.
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Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 3,532 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
Founded28-06-1989
Fiscal year end30-06
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
43120Site preparation
43421Specialised construction activities
43422Screed work
43910Bricklaying and masonry work
Contact
E-mail
calpas4219@gmail.comWasseiges
Scores and ratios are computed by Checked and are not a credit decision.