CARREDESSE
ActiveSummary
The computed 12-month bankruptcy probability of CARREDESSE is 2.1% (moderate). The 2025 annual accounts show equity of €52,759 and a net result of €91. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 18973 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Retail sale of cosmetics and toilet articles
NACE 47750Retail sale of other household articles NACE 47559NACE 47599
1 site
How big
€190,747total assets 2025
- Staff
- 2.8 FTE
- Equity
- €52,759
- Profit
- €91
Turnover not published (abridged schema)
Who decides
Accounts filed 54 d late0 of 1 deed read
Why 50- Limited track record- Higher-failure-rate sector- Higher-failure-rate region+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-23
Solvency53▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.25 in 2024; short-term debt: 72.3% and cash: 34.4% of total assets), and 72.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
27.7%
Return on assets
0%
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 23-09-2026, 54 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 · 3 filingsDeviation from the deadline
2025
54 d late
2024
26 d late
2023
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 28 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €91 ▼99.4%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €190,747Profit €91Solvency 27.7%Liquidity 1.28
Total assets
€190,747▼ 3.5%
2023 - 2025
Net result
€91▼ 99.4%
2023 - 2025
Equity
€52,759▼ 1.4%
2023 - 2025
Staff (FTE)
2.8▲ 21.7%
2023 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€51,927-€28,137▼ 45.8%€6,131▼ 78.2%
Net result€36,715above the sector's middle half-€15,919within the sector's middle half▼ 56.6%€91within the sector's middle half▼ 99.4%
Equity€38,415within the sector's middle half-€53,501within the sector's middle half▲ 39.3%€52,759within the sector's middle half▼ 1.4%
Total assets€209,020within the sector's middle half-€197,704within the sector's middle half▼ 5.4%€190,747within the sector's middle half▼ 3.5%
Debt€170,605-€144,204▼ 15.5%€137,988▼ 4.3%
Working capital€20,043within the sector's middle half-€35,477within the sector's middle half▲ 77.0%€38,571within the sector's middle half▲ 8.7%
Solvency18.4%within the sector's middle half-27.1%within the sector's middle half▲ 8.7pp27.7%within the sector's middle half▲ 0.6pp
Current ratio1.12within the sector's middle half-1.25within the sector's middle half▲ 0.131.28within the sector's middle half▲ 0.03
Return on assets (ROA)17.6%above the sector's middle half-8.1%within the sector's middle half▼ 9.5pp0.0%within the sector's middle half▼ 8.0pp
Staff (FTE)2.1-2.3▲ 9.5%2.8▲ 21.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190,747
Fixed assets
€14,188 ▼ 32.8%
Current assets
€176,559 =
Equity and liabilities €190,747
Equity
€52,759 ▼ 1.4%
Debt
€137,988 ▼ 4.3%
Debt's share of the balance-sheet total falls from 72.9% to 72.3%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
€13,047▼
2024 · €34,299
Cash flow
€7,008▼
2024 · €22,081
Quick ratio
0.53▼
2024 · 0.54
Debt to equity
2.62▼
2024 · 2.70
ROE
0.2%▼
2024 · 29.8%
Interest coverage
3.46▼
2024 · 5.06
Debt ≤ 1 year
€137,988▼
2024 · €141,123
Income taxes
€2,437▼
2024 · €5,868
Staff costs
€58,051▼
2024 · €58,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
3.5%
went bankrupt
1.2%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% 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 497,341 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% | 1.8% |
| 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 2,542 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.
Filed annual accounts
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €60,090 | €58,263 | €58,051 | ▼ 0.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,886 | €6,162 | €6,917 | ▲ 12.2% |
| Other operating charges640/8 | €3,455 | €552 | €564 | ▲ 2.1% |
| Gross operating margin9900 | €118,358 | €93,114 | €71,663 | ▼ 23.0% |
| Operating profit (loss)9901 | €51,927 | €28,137 | €6,131 | ▼ 78.2% |
| Financial income75/76B | €752 | €431 | €164 | ▼ 61.9% |
| Recurring financial income75 | €752 | €431 | €164 | ▼ 61.9% |
| Financial charges65/66B | €5,007 | €6,780 | €3,766 | ▼ 44.5% |
| Recurring financial charges65 | €5,007 | €6,780 | €3,766 | ▼ 44.5% |
| Profit (loss) for the period before taxes9903 | €47,672 | €21,787 | €2,529 | ▼ 88.4% |
| Income taxes67/77 | €10,957 | €5,868 | €2,437 | ▼ 58.5% |
| Profit (loss) for the period9904 | €36,715 | €15,919 | €91 | ▼ 99.4% |
| Profit (loss) for the period to be appropriated9905 | €36,715 | €15,919 | €91 | ▼ 99.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €209,020 | €197,704 | €190,747 | ▼ 3.5% |
| Fixed assets21/28 | €18,514 | €21,105 | €14,188 | ▼ 32.8% |
| Intangible fixed assets21 | €3,367 | €5,807 | €4,247 | ▼ 26.9% |
| Tangible fixed assets22/27 | €15,148 | €15,298 | €9,941 | ▼ 35.0% |
| Furniture and vehicles24 | €15,148 | €15,298 | €9,941 | ▼ 35.0% |
| Current assets29/58 | €190,506 | €176,600 | €176,559 | = |
| Stocks and contracts in progress3 | €93,250 | €99,963 | €103,254 | ▲ 3.3% |
| Stocks30/36 | €93,250 | €99,963 | €103,254 | ▲ 3.3% |
| Amounts receivable within one year40/41 | €5,835 | €17,949 | €6,912 | ▼ 61.5% |
| Trade receivables40 | €5,732 | €17,841 | €6,808 | ▼ 61.8% |
| Other amounts receivable41 | €103 | €108 | €104 | ▼ 4.2% |
| Cash at bank and in hand54/58 | €89,582 | €56,021 | €65,596 | ▲ 17.1% |
| Deferred charges and accrued income490/1 | €1,839 | €2,667 | €798 | ▼ 70.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €209,020 | €197,704 | €190,747 | ▼ 3.5% |
| Equity10/15 | €38,415 | €53,501 | €52,759 | ▼ 1.4% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €35,915 | €51,001 | €50,259 | ▼ 1.5% |
| Amounts payable17/49 | €170,605 | €144,204 | €137,988 | ▼ 4.3% |
| Amounts payable within one year42/48 | €170,463 | €141,123 | €137,988 | ▼ 2.2% |
| Trade debts44 | €19,904 | €41,053 | €31,164 | ▼ 24.1% |
| Suppliers440/4 | €19,904 | €41,053 | €31,164 | ▼ 24.1% |
| Taxes, remuneration and social security45 | €54,743 | €47,521 | €53,187 | ▲ 11.9% |
| Taxes450/3 | €40,332 | €33,456 | €34,286 | ▲ 2.5% |
| Remuneration and social security454/9 | €14,410 | €14,066 | €18,900 | ▲ 34.4% |
| Other amounts payable47/48 | €95,816 | €52,549 | €53,637 | ▲ 2.1% |
| Accrued charges and deferred income492/3 | €143 | €3,081 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,715 | €15,919 | €91 | ▼ 99.4% |
| + Depreciation and write-downs630 | €2,886 | €6,162 | €6,917 | ▲ 12.2% |
| Operating cash flow (approximation) | €39,601 | €22,081 | €7,008 | ▼ 68.3% |
| Investment in fixed assets (approximation) | - | -€8,752 | €0 | ▲ 100% |
| Change in cash | - | -€33,561 | €9,575 | ▲ 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.
Comparable companies
Similar companies · same sector, comparable size
SCHEWEBACH
BE 0500.968.178
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GREEN CORP.
BE 0730.856.990
Sint-Genesius-Rode · Eq €52,585
INTER RENOO
BE 0476.792.711
Gent · Eq €53,028
QONIA
BE 0704.711.334
Brussel · Eq €52,346
MEDICO DERM
BE 0634.840.452
Namur · Eq €52,260
Of 2,073 companies in this sector we hold annual accounts for 517. 394 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
4 eventsLatest 23-09-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
31-12
Financial
Weakest financial yearnet €91 ▼99.4%
Net result drops to €91, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 30-01-2023Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded30-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47559Retail sale of other household articles
47750Retail sale of cosmetics and toilet articles
47551Retail sale of household furniture
47621Retail sale of newspapers and periodicals
47711Retail sale of women's outerwear
47715Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0797772342
Registered
22-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Chaudfontaine · 1 establishment unit since 2023
Ground area
477 m²
Building footprint
97 m²
Volume, LiDAR
717 m³
Parcel 62012C0091/00Y000, Wallonia · tallest building 8.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Place de la Bouxhe 13, 4052 Chaudfontaine
since 2023unit no. 2.340.923.467
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012C0091/00Y000indicative | Wallonia | 477 m² | 1 · 97 m² | 8.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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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