CARRELAGES GRETRY
ActiveCARRELAGES GRETRY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €23k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+23
Solvency86▲+8
Growth35=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.65 in 2024), but 54.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
45.7%
Return on assets
5%
Age of the figures
8 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
27 d late
2023
30 d late
2022
42 d early
2021
38 d early
2020
31 d late
2019
7 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€384k▼ 2.2%
2024 · €392k
2021: €0
2022: €619k
2023: €457k
2024: €392k
2021 → 2025
EBIT margin
4.3%▲ 1.8pp
2024 · 2.4%
2022: 5.9%
2023: 5.8%
2024: 2.4%
2022 → 2025
Net result
€23k▲ 466%
2024 · €4k
2018: €39k
2019: €25k
2020: €31k
2021: €37k
2022: €22k
2023: €11k
2024: €4k
2018 → 2025
Working capital
€193k▲ 14.2%
2024 · €169k
2018: €31k
2019: €52k
2020: €72k
2021: €115k
2022: €138k
2023: €157k
2024: €169k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€619k€457k▼ 26.1%€392k▼ 14.1%€384k▼ 2.2%
Equity€147k-€169k▲ 14.9%€179k▲ 6.3%€183k▲ 2.2%€206k▲ 12.3%
Operating result€56k-€36k▼ 34.8%€26k▼ 27.6%€10k▼ 63.6%€16k▲ 71.3%
Net result€37k-€22k▼ 41.5%€11k▼ 51.6%€4k▼ 62.4%€23k▲ 466%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€13k▼ 9.9%
Current assets
€437k▲ 1.8%
Equity and liabilities €450k
Equity
€206k▲ 12.3%
Debt
€244k▼ 6.2%
The debt ratio falls from 58.7% to 54.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€22k▼
2024 · €23k
Cash flow
€29k▲
2024 · €17k
Solvency
45.7%▲
2024 · 41.3%
Current ratio
1.79▲
2024 · 1.65
Quick ratio
0.37▲
2024 · 0.22
Debt / equity
1.19▼
2024 · 1.42
ROE
11.0%▲
2024 · 2.2%
ROA
5.0%▲
2024 · 0.9%
Interest coverage
30.17▼
2024 · 42.44
Debt
€244k▼
2024 · €260k
Debt ≤ 1 year
€244k▼
2024 · €260k
Income taxes
€7k▲
2024 · €5k
Staff costs
€31k▲
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€444k€450k▲
Fixed assets21/28€14k€13k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€7k€3k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€836€459▼
Furniture and vehicles24€2k€0▼
Leasing and similar rights25€1k€0▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€7k€7k=
Current assets29/58€429k€437k▲
Stocks and contracts in progress3€371k€347k▼
Stocks30/36€371k€347k▼
Amounts receivable within one year40/41€55k€87k▲
Trade receivables40€55k€87k▲
Other amounts receivable41€145€305▲
Cash at bank and in hand54/58€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€444k€450k▲
Equity10/15€183k€206k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€163k€185k▲
Amounts payable17/49€260k€244k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€260k€244k▼
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€160k€121k▼
Suppliers440/4€160k€121k▼
Taxes, remuneration and social security45€62k€76k▲
Taxes450/3€32k€38k▲
Remuneration and social security454/9€31k€38k▲
Other amounts payable47/48€37k€47k▲
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Turnover70€392k€384k▼
Non-recurring operating income76A€3k€22k▲
Goods, raw materials, services and sundry goods60/61€352k€358k▲
Remuneration, social security and pensions62€27k€31k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€6k▼
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A-€850
Gross operating margin9900€53k€59k▲
Operating profit (loss)9901€10k€16k▲
Financial income75/76B€5€20k▲
Recurring financial income75€5€62▲
Non-recurring financial income76B-€20k
Financial charges65/66B€544€7k▲
Recurring financial charges65€544€742▲
Non-recurring financial charges66B€0€6k▲
Profit (loss) for the period before taxes9903€9k€29k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€4k€23k▲
Profit (loss) for the period to be appropriated9905€4k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€185k▲
Profit (loss) brought forward from the previous period14P€159k€163k▲
The notes to these accounts (12 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €206k ▲12.3%
8 profitable years in a row build equity to €206k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼62.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €169k ▲14.9%
5 profitable years in a row build equity to €169k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €109k ▲39.5%
3 profitable years in a row build equity to €109k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
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.
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 2016
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 Bonne-Femme 55/574030 LiègeGround area
674 m²
Building footprint
141 m²
Volume, LiDAR
2,009 m³
Parcel 62047C1395/00N008, Wallonia · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue Bonne-Femme 55/57, 4030 Liège
since 20162.254.540.019
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62047C1395/00N008 | Wallonia | 674 m² | 1 · 141 m² | 16.1 m · 5 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.
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Of 3,935 companies in sector 43331 we hold annual accounts for 1,777. 1,406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2016
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.