CARRETTE
ActiveCARRETTE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €244k and a net result of €38k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+1
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 1.21 in 2024; short-term debt: 7.3% and cash: 15.9% of total assets), and 7.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
92.2%
Return on assets
14.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 5 filingsDeviation from the deadline
2025
5 d late
2024
4 d late
2023
6 d early
2022
2 d late
2021
16 d late
← before the deadline
after the deadline →
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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€244k▲ 18.3%
2024 · €207k
2021: €174k
2022: €139k
2023: €168k
2024: €207k
2021 → 2025
Total assets
€265k▼ 6.3%
2024 · €283k
2021: €313k
2022: €304k
2023: €291k
2024: €283k
2021 → 2025
Net result
€38k▼ 1.3%
2024 · €38k
2021: €29k
2022: €31k
2023: €30k
2024: €38k
2021 → 2025
Working capital
€53k▲ 245%
2024 · €15k
2021: €28k
2022: €-18k
2023: €-9k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€139k▼ 20.3%€168k▲ 21.5%€207k▲ 22.7%€244k▲ 18.3%
Operating result€45k-€50k▲ 10.6%€52k▲ 3.2%€61k▲ 18.2%€57k▼ 6.6%
Net result€29k-€31k▲ 7.9%€30k▼ 4.1%€38k▲ 28.0%€38k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€193k▼ 0.7%
Current assets
€72k▼ 18.7%
Equity and liabilities €265k
Equity
€244k▲ 18.3%
Debt
€21k▼ 73.0%
The debt ratio falls from 26.9% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▼
2024 · €75k
Cash flow
€51k▼
2024 · €52k
Solvency
92.2%▲
2024 · 73.1%
Current ratio
3.72▲
2024 · 1.21
Quick ratio
3.72▲
2024 · 1.21
Debt / equity
0.08▼
2024 · 0.37
ROE
15.4%▼
2024 · 18.5%
ROA
14.2%▲
2024 · 13.5%
Interest coverage
13.99▲
2024 · 9.23
Debt
€21k▼
2024 · €76k
Debt ≤ 1 year
€19k▼
2024 · €73k
Income taxes
€15k▼
2024 · €15k
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€283k€265k▼
Fixed assets21/28€194k€193k▼
Tangible fixed assets22/27€194k€193k▼
Land and buildings22€184k€176k▼
Plant, machinery and equipment23€9k€16k▲
Other tangible fixed assets26€1k€1k=
Current assets29/58€89k€72k▼
Amounts receivable within one year40/41€22k€26k▲
Trade receivables40€18k€18k=
Other amounts receivable41€4k€8k▲
Current investments50/53€390€214▼
Cash at bank and in hand54/58€63k€42k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€283k€265k▼
Equity10/15€207k€244k▲
Contributions10/11€50k€50k=
Reserves13€156k€194k▲
Distributable reserves133€156k€194k▲
Profit (loss) carried forward14€209€217▲
Amounts payable17/49€76k€21k▼
Amounts payable within one year42/48€73k€19k▼
Current portion of amounts payable after more than one year42€26k€2k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€16k€14k▼
Other amounts payable47/48€27k€949▼
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€165-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€76k€71k▼
Operating profit (loss)9901€61k€57k▼
Financial income75/76B€490€656▲
Recurring financial income75€490€656▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€53k€53k▼
Income taxes67/77€15k€15k▼
Profit (loss) for the period9904€38k€38k▼
Profit (loss) for the period to be appropriated9905€38k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€38k▼
Profit (loss) brought forward from the previous period14P€197€209▲
Transfer to equity691/2€38k€38k▼
To other reserves6921€38k€38k▼
The notes to these accounts (5 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 3.72
Current ratio from 1.21 to 3.72; short-term debt falls from €73k to €19k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Highest result since 2021net €38k ▲28%
Operating result €61k, net result €38k, both a record.
30-06
Financial
Equity above €200kEq €207k ▲22.7%
4 profitable years in a row build equity to €207k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €168k ▲21.5%
3 profitable years in a row build equity to €168k.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dendermonde · 1 establishment unit since 2008
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.
Fortstraat (STG) 1149200 DendermondeGround area
1,028 m²
Building footprint
123 m²
Volume, LiDAR
704 m³
Parcel 42021B0217/00N000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARRETTE
since 20082.174.615.779
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021B0217/00N000 | Flanders | 1,028 m² | 1 · 123 m² | 9.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500HUZHITZCWRD924
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-2008
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.