CARRIERES THOMAS
ActiveSummary
CARRIERES THOMAS has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375,501 and a net result of €47,544. Equity has been growing by about 22% per year since 2019. Its solvency ranks better than 54% of 81 sector peers (NACE 08, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 15-10-2018 Normal situation
- Registered office
- 26 active companies are registered at this address 2 started in the 12 months before. Source: KBO register, as of 4 November 2026.
- Activity
- Other mining and quarrying NACE 08111
- Joint committees
- 200 Aanvullend Paritair Comité voor de bedienden
- 102.04 Paritair Subcomité voor het bedrijf van de zandsteen- en kwartsietgroeven op het gehele grondgebied van het Rijk, uitgezonderd de kwartsietgroeven van de provincie Waals-Brabant · annual accounts 2025
- Establishment unit
- 2.280.950.446 4171 Comblain-au-Pont, since 15-10-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Board and ownership
- David ELOYDirector · since 29-06-2024
- Olivier ELOYDirector · since 29-06-2024
- Pierre-Etienne ELOYDirector · since 29-06-2024
- Auditor
- SRL HEYNEN, NYSSEN & C°
- ELOY CONSTRUCT100%· score 942024 annual accounts of ELOY CONSTRUCT
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.8%
- Turnover
- €832,353
- ▼ 21.1%
- Profit
- €47,544
- ▲ 761%
- Equity
- €375,501
- ▲ 14.5%
- Total assets
- €671,334
- ▲ 43.3%
- Employees on 31-12-2025
- 8
- ▲ 14.3%
Score breakdownraises riskLiquidity: current ratio 1.85, cash €0, halvedlowers riskEquity €375,501 (55.9% of total assets)Profit of €47,544 (financial year 2025)Sector: Other mining and quarrying (NACE 08)Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 08, micro). It does better than 55% of them on solvency, 17% on liquidity, 61% on profitability and 46% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 24 days before the deadline. In the sector (NACE 08), the median for financial year 2024 was 21 days before the deadline, and 30% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, full format
Annual accounts 2025 filed on 03-07-2026 at the NBB all 7 filings
Every figure per financial year
The operating result for 2025 is 4 times that of 2024. It is a recovery after the fall in 2024.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 7 | 7 | 7 | 7 | 8 |
| full-time | 7 | 7 | 7 | 7 | 8 |
| part-time | 0 | 0 | 0 | 0 | 0 |
| in full-time equivalents | 7 | 0 | 7 | 7 | 8 |
| Average over the year, in full-time equivalents | 7 | 7 | 6.9 | 6.8 | 7.1 |
| On a permanent contract | 7 | 7 | 7 | 7 | 8 |
| Joined | 1 | - | - | 1 | 1 |
| Left | 2 | - | - | 1 | 0 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €17,152 | €70,264 | €82,708 | €78,876 | €80,039 |
| Depreciation and write-downs of the year | €23,216 | €23,834 | €39,936 | €38,876 | €37,131 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Auditor
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Fee for the audit | €3,387 | €3,790 | €4,414 | €4,523 | €4,856 |
| Other work by the auditor | - | €125 | - | - | - |
| Work by persons linked to the auditor | €1,215 | €1,609 | €1,418 | €1,437 | €1,622 |
Source: notes to the 2021 to 2025 annual accounts (relations with the auditor)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €0.7m | €0.6m | €1.2m | €1.1m | €0.9m | ▼ 18.0% |
| Turnover70 | €0.3m | €0.5m | €0.6m | €0.7m | €1.0m | €1.1m | €0.8m | ▼ 21.1% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | - | €0.08m | -€0.09m | €0.05m | €0.05m | €0.08m | ▲ 66.5% |
| Own construction capitalised72 | - | - | - | €0.004m | €0.03m | €0.02m | €0.02m | ▼ 11.8% |
| Other operating income74 | - | - | €0.02m | €0.01m | €0.03m | €0.02m | €0.006m | ▼ 68.7% |
| Operating charges60/66A | - | - | €0.7m | €0.7m | €0.9m | €1.1m | €0.9m | ▼ 22.4% |
| Goods for resale, raw materials and consumables60 | - | - | €0.1m | €0.1m | €0.3m | €0.4m | €0.2m | ▼ 43.7% |
| Purchases600/8 | - | - | €0.2m | €0.1m | €0.3m | €0.4m | €0.2m | ▼ 45.6% |
| Change in stocks: decrease (increase)609 | - | - | -€0.006m | -€0.01m | €0.001m | €0.01m | €0.02m | ▲ 16.1% |
| Services and other goods61 | - | - | €0.2m | €0.2m | €0.3m | €0.3m | €0.2m | ▼ 24.0% |
| Remuneration, social security and pensions62 | - | - | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | ▲ 2.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.02m | €0.02m | €0.02m | €0.02m | €0.04m | €0.04m | €0.04m | ▼ 4.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €0.005m | -€0.01m | €0.01m | €0.001m | -€0.01m | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €0.005m | -€0.005m | €0 | - |
| Other operating charges640/8 | - | - | €0.002m | €0.004m | €0.003m | €0.01m | €0.009m | ▼ 11.6% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €184 | - |
| Operating profit (loss)9901 | -€0.09m | €0.03m | €0.04m | -€0.05m | €0.2m | €0.02m | €0.06m | ▲ 300% |
| Financial income75/76B | - | - | €103 | €79 | €274 | €0.004m | €0.002m | ▼ 61.0% |
| Recurring financial income75 | - | €404 | €103 | €79 | €274 | €0.004m | €0.002m | ▼ 61.0% |
| Income from current assets751 | - | - | - | - | €269 | €0.004m | €0.001m | ▼ 77.0% |
| Other financial income752/9 | - | - | €103 | €79 | €5 | €338 | €0.001m | ▲ 133% |
| Financial charges65/66B | - | - | €0.001m | €0.002m | €0.005m | €0.004m | €0.006m | ▲ 47.4% |
| Recurring financial charges65 | €0.001m | €0.001m | €0.001m | €0.002m | €0.005m | €0.004m | €0.006m | ▲ 47.4% |
| Debt charges650 | €350 | €280 | €392 | €0.001m | €0.005m | €0.002m | €0.004m | ▲ 118% |
| Other financial charges652/9 | - | - | €0.001m | €0.002m | €0.001m | €0.002m | €0.002m | ▼ 20.9% |
| Non-recurring financial charges66B | - | - | €0 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€0.09m | €0.02m | €0.04m | -€0.05m | €0.2m | €0.02m | €0.06m | ▲ 265% |
| Income taxes67/77 | €285 | €221 | €254 | €229 | €0.04m | €0.01m | €0.01m | ▲ 1.1% |
| Taxes670/3 | - | - | €254 | €229 | €0.04m | €0.01m | €0.01m | ▲ 1.1% |
| Profit (loss) for the period9904 | -€0.09m | €0.02m | €0.04m | -€0.05m | €0.2m | €0.006m | €0.05m | ▲ 761% |
| Transfer from tax-exempt reserves789 | - | - | - | - | - | - | €0.08m | - |
| Transfer to tax-exempt reserves689 | - | - | - | - | €0.08m | €0.02m | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | -€0.09m | €0.02m | €0.04m | -€0.05m | €0.07m | -€0.01m | €0.1m | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €256,205 | €265,179 | €344,506 | €311,808 | €495,873 | €468,360 | €671,334 | ▲ 43.3% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - |
| Fixed assets21/28 | €61,553 | €76,372 | €70,307 | €116,737 | €159,508 | €199,508 | €242,416 | ▲ 21.5% |
| Intangible fixed assets21 | €15,846 | €11,439 | €7,119 | €3,229 | €0 | - | - | - |
| Tangible fixed assets22/27 | €44,963 | €64,189 | €62,444 | €112,764 | €158,764 | €198,764 | €241,673 | ▲ 21.6% |
| Plant, machinery and equipment23 | - | - | €62,444 | €42,500 | €158,764 | €130,117 | €121,926 | ▼ 6.3% |
| Assets under construction and advance payments27 | - | - | - | €70,264 | €0 | €68,647 | €119,746 | ▲ 74.4% |
| Financial fixed assets28 | €744 | €744 | €744 | €744 | €744 | €744 | €744 | = |
| Other financial fixed assets284/8 | - | - | €744 | €744 | €744 | €744 | €744 | = |
| Amounts receivable and cash guarantees285/8 | - | - | €744 | €744 | €744 | €744 | €744 | = |
| Current assets29/58 | €194,652 | €188,808 | €274,199 | €195,072 | €336,365 | €268,852 | €428,917 | ▲ 59.5% |
| Stocks and contracts in progress3 | €68,110 | €94,489 | €175,981 | €106,820 | €145,032 | €179,562 | €256,482 | ▲ 42.8% |
| Stocks30/36 | - | - | €175,981 | €106,820 | €145,032 | €179,562 | €256,482 | ▲ 42.8% |
| Raw materials and consumables30/31 | - | - | €23,519 | €40,045 | €26,359 | €13,075 | €10,403 | ▼ 20.4% |
| Finished goods33 | - | - | €152,462 | €66,775 | €118,673 | €166,487 | €246,079 | ▲ 47.8% |
| Amounts receivable within one year40/41 | €85,691 | €93,626 | €97,039 | €82,261 | €110,033 | €50,532 | €169,990 | ▲ 236% |
| Trade receivables40 | - | - | €93,374 | €75,064 | €101,526 | €48,691 | €168,292 | ▲ 246% |
| Other amounts receivable41 | - | - | €3,665 | €7,197 | €8,507 | €1,841 | €1,698 | ▼ 7.8% |
| Cash at bank and in hand54/58 | €40,333 | €0 | - | €1,977 | €77,839 | €33,281 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | €1,178 | €4,013 | €3,461 | €5,477 | €2,445 | ▼ 55.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €256,205 | €265,179 | €344,506 | €311,808 | €495,873 | €468,360 | €671,334 | ▲ 43.3% |
| Equity10/15 | €5,964 | €177,932 | €213,370 | €164,288 | €322,437 | €327,957 | €375,501 | ▲ 14.5% |
| Contributions10/11 | €100,000 | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Capital10 | - | - | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Issued capital100 | - | - | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Reserves13 | - | - | - | - | €84,200 | €101,040 | €102,263 | ▲ 1.2% |
| Non-distributable reserves130/1 | - | - | - | - | - | - | €1,223 | - |
| Legal reserve130 | - | - | - | - | - | - | €1,223 | - |
| Tax-exempt reserves132 | - | - | - | - | €84,200 | €101,040 | €16,840 | ▼ 83.3% |
| Distributable reserves133 | - | - | - | - | - | - | €84,200 | - |
| Profit (loss) carried forward14 | -€94,036 | -€72,068 | -€36,630 | -€85,712 | -€11,763 | -€23,083 | €23,238 | - |
| Provisions and deferred taxes16 | - | - | - | - | €4,916 | €0 | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €4,916 | €0 | - | - |
| Other liabilities and charges164/5 | - | - | - | - | €4,916 | €0 | - | - |
| Amounts payable17/49 | €250,241 | €87,248 | €131,136 | €147,520 | €168,520 | €140,403 | €295,832 | ▲ 111% |
| Amounts payable after more than one year17 | - | - | - | €48,972 | €37,479 | €25,499 | €52,673 | ▲ 107% |
| Financial debts170/4 | - | - | - | €48,972 | €37,479 | €25,499 | €52,673 | ▲ 107% |
| Credit institutions173 | - | - | - | €48,972 | €37,479 | €25,499 | €52,673 | ▲ 107% |
| Amounts payable within one year42/48 | €248,647 | €81,222 | €128,893 | €82,034 | €125,718 | €97,012 | €232,475 | ▲ 140% |
| Current portion of amounts payable after more than one year42 | - | - | - | €11,028 | €11,494 | €11,979 | €28,004 | ▲ 134% |
| Financial debts43 | - | - | €55,650 | €13,704 | €0 | - | €85,107 | - |
| Credit institutions430/8 | - | - | €55,650 | €13,704 | €0 | - | €85,107 | - |
| Trade debts44 | €93,702 | €35,825 | €29,092 | €12,192 | €35,902 | €26,592 | €45,746 | ▲ 72.0% |
| Suppliers440/4 | - | - | €29,092 | €12,192 | €35,902 | €26,592 | €45,746 | ▲ 72.0% |
| Advances received on contracts in progress46 | - | - | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | €44,151 | €45,110 | €58,321 | €54,440 | €73,616 | ▲ 35.2% |
| Taxes450/3 | - | - | €3,820 | €1,386 | €11,643 | €7,256 | €21,899 | ▲ 202% |
| Remuneration and social security454/9 | - | - | €40,331 | €43,724 | €46,679 | €47,184 | €51,717 | ▲ 9.6% |
| Other amounts payable47/48 | - | - | - | - | €20,000 | €4,000 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €2,242 | €16,514 | €5,323 | €17,892 | €10,684 | ▼ 40.3% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€94,036 | €21,967 | €35,438 | -€49,082 | €158,150 | €5,520 | €47,544 | ▲ 761% |
| + Depreciation and write-downs630 | €19,388 | €19,916 | €23,216 | €23,834 | €39,936 | €38,876 | €37,131 | ▼ 4.5% |
| Operating cash flow (approximation) | -€74,647 | €41,883 | €58,655 | -€25,248 | €198,086 | €44,395 | €84,675 | ▲ 90.7% |
| Investment in fixed assets (approximation) | - | -€34,735 | -€17,152 | -€70,264 | -€82,708 | -€78,876 | -€80,039 | ▼ 1.5% |
| Change in cash | - | -€40,333 | - | - | €75,862 | -€44,558 | -€33,281 | ▲ 25.3% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 26,972 companies had the same profile as CARRIERES THOMAS has now. Two years later, 94.9% were still going and 1.6% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CARRIERES THOMAS itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for CARRIERES THOMAS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | full format | 03-07-2026 | 2026-00276217 | |
| 31-12-2024 | full format | 15-07-2025 | 2025-00291485 | |
| 31-12-2023 | full format | 02-07-2024 | 2024-00228324 | |
| 31-12-2022 | full format | 27-06-2023 | 2023-00173976 | |
| 31-12-2021 | full format | 11-07-2022 | 2022-20175080 | |
| 31-12-2020 | full format | 14-07-2021 | 2021-36300569 | |
| 31-12-2019 | full format | 08-07-2020 | 2020-28800486 |
Board & ownership
Directors
Act of 07-11-2025Reappointment: SRL HEYNEN, NYSSEN & C° (statutory auditor)Permanent representatives: Fabien Heynen and Virginie Cambron
Statutory auditor 1
Owners and capital
Shareholders
1 ownerChain of control
- ELOY GROUP
- ELOY CONSTRUCT
- CARRIERES THOMAS
Owners 1
- ELOY CONSTRUCTparentEquity €12.3m Loss of €98,152 in 2025 (profit of €785,887 in 2024) Checked score 94100%
Mandate history
- Board
- Statutory auditor
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| David ELOY |
|
| Olivier ELOY |
|
| Pierre-Etienne ELOY |
|
| SRL HEYNEN, NYSSEN & C° |
|
Network & group
Companies at the same address
25 other companies- SM ELOY - LEJEUNE Registered office · since 2026 1042304986
- E.E.T2 IMMO Registered office · since 2026 1041161772
- ELOY ESTATE DEVELOPMENT Registered office · since 2025 1026962061
- ELOY INVEST Registered office · since 2025 1026962259
- ELOY DEVELOPPEMENTS Registered office · since 2025 1023480553
- E.E.E. IMMO Registered office · since 2025 1019295695
- ELOY TRAVAUX - COP ET PORTIER Registered office · since 2025 1018325004
- E.B.E. IMMO Registered office · since 2021 0772692595
- JAN DE NUL & ELOY TRAVAUX SSM Registered office · since 2021 0764623284
- SSM DEMOCO-ELOY Registered office · since 2020 0742903796
Connections & network
3 current directorsThe network starts from the directors of CARRIERES THOMAS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
07-11
Gazette deed
Reappointment: SRL HEYNEN, NYSSEN & C° (statutory auditor)Permanent representatives: Fabien Heynen and Virginie Cambron4 points ▸
- General meeting, 28-06-2025
- Auditor reappointment, SRL HEYNEN, NYSSEN & C° (statutory auditor)
- Permanent representative, Fabien Heynen (statutory auditor)
- Permanent representative, Virginie Cambron (statutory auditor)
05-11
Gazette deed
Reappointments: David ELOY, Olivier ELOY and Pierre-Etienne ELOY4 points ▸
- General meeting, 29-06-2024
- Director reappointment, David ELOY (director)
- Director reappointment, Olivier ELOY (director)
- Director reappointment, Pierre-Etienne ELOY (director)
12-12
Gazette deed
Reappointment: HEYNEN, NYSSEN & C° (statutory auditor)2 points ▸
- General meeting, 30-06-2022
- Auditor reappointment, HEYNEN, NYSSEN & C° (statutory auditor)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62067E0796/00G000 | Wallonia | 2.6 ha | 1 · 3,642 m² | 10.2 m · 2 |