CARRELAGE & DESIGN
ActiveSummary
CARRELAGE & DESIGN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €-29k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-67
Solvency69▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.9 in 2024; short-term debt: 38.5% and cash: 30.1% of total assets), but 56.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
43.6%
Return on assets
-11.8%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
14 d early
2022
28 d early
2021
32 d early
2020
52 d early
2019
18 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
€108k▼ 21.3%
2024 · €138k
2018: €21k
2019: €29k
2020: €76k
2021: €91k
2022: €101k
2023: €105k
2024: €138k
2018 → 2025
Total assets
€249k▼ 18.2%
2024 · €304k
2018: €168k
2019: €199k
2020: €257k
2021: €278k
2022: €211k
2023: €237k
2024: €304k
2018 → 2025
Net result
€-29k
2024 · €33k
2018: €200
2019: €8k
2020: €47k
2021: €55k
2022: €10k
2023: €4k
2024: €33k
2018 → 2025
Working capital
€62k▼ 36.1%
2024 · €97k
2018: €4k
2019: €16k
2020: €29k
2021: €28k
2022: €51k
2023: €74k
2024: €97k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€101k▲ 11.4%€105k▲ 3.8%€138k▲ 31.2%€108k▼ 21.3%
Operating result€75k-€22k▼ 70.3%€14k▼ 38.2%€48k▲ 249%€-18k
Net result€55k-€10k▼ 81.2%€4k▼ 63.1%€33k▲ 757%€-29k
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 €18k after €48k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€91k ▼ 8.6%
Current assets
€158k ▼ 22.8%
Equity and liabilities €249k
Equity
€108k ▼ 21.3%
Debt
€140k ▼ 15.6%
Debt's share of the balance-sheet total rises from 54.7% to 56.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €76k
Cash flow
€4k▼
2024 · €60k
Current ratio
1.65▼
2024 · 1.90
Quick ratio
1.45▲
2024 · 1.25
Debt to equity
1.29▲
2024 · 1.21
ROE
-27.1%▼
2024 · 23.8%
ROA
-11.8%▼
2024 · 10.8%
Interest coverage
1.35▼
2024 · 11.76
Debt ≤ 1 year
€96k▼
2024 · €107k
Debt > 1 year
€44k▼
2024 · €59k
Income taxes
€189▼
2024 · €9k
Staff costs
€85k▲
2024 · €82k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€304k€249k▼
Fixed assets21/28€99k€91k▼
Tangible fixed assets22/27€97k€89k▼
Plant, machinery and equipment23€12k€13k▲
Furniture and vehicles24€85k€76k▼
Financial fixed assets28€2k€2k▲
Current assets29/58€205k€158k▼
Stocks and contracts in progress3€70k€19k▼
Stocks30/36€70k€19k▼
Amounts receivable within one year40/41€21k€58k▲
Trade receivables40€12k€48k▲
Other amounts receivable41€10k€10k▲
Cash at bank and in hand54/58€108k€75k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€304k€249k▼
Equity10/15€138k€108k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133-€2k
Profit (loss) carried forward14€117k€88k▼
Amounts payable17/49€166k€140k▼
Amounts payable after more than one year17€59k€44k▼
Financial debts170/4€59k€44k▼
Amounts payable within one year42/48€107k€96k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€88k€72k▼
Suppliers440/4€88k€72k▼
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€375€8k▲
Remuneration and social security454/9€3k€450▼
Other amounts payable47/48€1k€0▼
Accrued charges and deferred income492/3-€390
Income statement
Code20242025
Remuneration, social security and pensions62€82k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€33k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€159k€101k▼
Operating profit (loss)9901€48k€-18k▼
Financial income75/76B€0€36▲
Recurring financial income75€0€36▲
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€41k€-29k▼
Income taxes67/77€9k€189▼
Profit (loss) for the period9904€33k€-29k▼
Profit (loss) for the period to be appropriated9905€33k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€88k▼
Profit (loss) brought forward from the previous period14P€85k€117k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-29k ▼190%
Net result drops to €-29k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €101k ▲11.4%
5 profitable years in a row build equity to €101k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €55k ▲17.9%
Operating result €75k, net result €55k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Welkenraedt · 1 establishment unit since 2014
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.
Rue de l'Eglise 844840 WelkenraedtGround area
3,469 m²
Building footprint
174 m²
Volume, LiDAR
1,060 m³
Parcel 63084A0111/02A000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARRELAGE & DESIGN
since 20142.228.826.210
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63084A0111/02A000 | Wallonia | 3,469 m² | 1 · 174 m² | 8.1 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
MBC
BE 0770.458.132
Deinze · Eq €108,422
TEGELCONCEPT RAF
BE 0675.656.369
Lebbeke · Eq €108,429
OLIVIER DANNAU
BE 1017.919.186
Linkebeek · Eq €108,184
DEDEYNE BORIS
BE 0701.991.770
Hooglede · Eq €108,134
AMCON
BE 0427.409.021
Antwerpen · Eq €108,727
Of 3,962 companies in sector 43331 we hold annual accounts for 1,790. 1,541 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
Founded21-02-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.