CARRO TIM
ActiveThe computed 12-month bankruptcy probability of CARRO TIM is 1.8% (moderate). The 2025 annual accounts show equity of €60k and a net result of €8k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 7311 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-32
Solvency97▲+2
Growth66▼-16
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 2.0 in 2024), and 45.3% 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 · 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 41
Relative position
BE, all sectors
reference
Sector 41
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
54.7%
Return on assets
7.4%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 17-02-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
4 d early
2023
6 d late
2022
1 d early
2021
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close13-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€194k▼ 6.9%
2022 · €208k
2021: €140k
2022: €208k
2021 → 2023
EBIT margin
10.2%▲ 4.3pp
2022 · 5.8%
2021: 8.2%
2022: 5.8%
2021 → 2023
Net result
€8k▼ 43.3%
2024 · €14k
2021: €9k
2022: €9k
2023: €14k
2024: €14k
2021 → 2025
Working capital
€53k▲ 3.4%
2024 · €52k
2021: €8k
2022: €468
2023: €25k
2024: €52k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€140k-€208k▲ 48.6%€194k▼ 6.9%
Equity€14k-€23k▲ 63.4%€37k▲ 62.6%€52k▲ 38.0%€60k▲ 15.6%
Operating result€11k-€12k▲ 5.3%€20k▲ 62.7%€20k▲ 3.4%€13k▼ 37.6%
Net result€9k-€9k▼ 1.6%€14k▲ 61.3%€14k▼ 1.3%€8k▼ 43.3%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€18k
Current assets
€91k
Equity and liabilities €109k
Equity
€60k▲ 15.6%
Debt
€49k▼ 4.3%
The debt ratio falls from 50.0% to 45.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▼
2024 · €24k
Cash flow
€11k▼
2024 · €18k
Solvency
54.7%▲
2024 · 50.0%
Current ratio
2.41▲
2024 · 2.00
Quick ratio
2.41▲
2024 · 2.00
Debt / equity
0.83▼
2024 · 1.00
ROE
13.5%▼
2024 · 27.5%
ROA
7.4%▼
2024 · 13.8%
Interest coverage
24.13▼
2024 · 29.75
Debt
€49k▼
2024 · €52k
Debt ≤ 1 year
€38k▼
2024 · €52k
Debt > 1 year
€11k
Income taxes
€4k▼
2024 · €5k
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€103k€109k▲
Fixed assets21/28-€18k
Tangible fixed assets22/27-€18k
Furniture and vehicles24-€18k
Current assets29/58€103k€91k▼
Amounts receivable within one year40/41€36k€59k▲
Trade receivables40€36k€55k▲
Other amounts receivable41€243€4k▲
Cash at bank and in hand54/58€66k€32k▼
Deferred charges and accrued income490/1€1k€726▼
Equity and liabilities
Total equity and liabilities10/49€103k€109k▲
Equity10/15€52k€60k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€47k€55k▲
Amounts payable17/49€52k€49k▼
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€52k€38k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€23k€26k▲
Suppliers440/4€23k€26k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€23k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€347€2k▲
Gross operating margin9900€24k€17k▼
Operating profit (loss)9901€20k€13k▼
Financial income75/76B€21€100▲
Recurring financial income75€21€100▲
Financial charges65/66B€802€645▼
Recurring financial charges65€802€645▼
Profit (loss) for the period before taxes9903€20k€12k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€14k€8k▼
Profit (loss) for the period to be appropriated9905€14k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€55k▲
Profit (loss) brought forward from the previous period14P€32k€47k▲
The notes to these accounts (6 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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
Financial
Weakest financial yearnet €8k ▼43.3%
Net result drops to €8k, the lowest in the series.
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-07
Financial
Highest result since 2021net €14k ▲61.3%
Net result €14k, the highest in the series.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Grimbergen · 1 establishment unit since 2020
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.
de Burtinstraat 231853 GrimbergenGround area
1,140 m²
Building footprint
645 m²
Volume, LiDAR
3,146 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CARRO TIM
since 20202.299.426.867
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0145/00A002 | Flanders | 1,013 m² | 1 · 567 m² | 10.0 m · 1 fl. |
| 23084A0121/00D003 | Flanders | 126 m² | 1 · 79 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
RENO.K.F.
BE 0781.990.640
Wezembeek-Oppem · Eq €60k
Lavosa & fils
BE 0673.939.865
Seraing · Eq €60k
TB Algemene Aannemingen
BE 0778.839.427
Alken · Eq €60k
STYLE CONSTRUCT
BE 0779.295.822
Charleroi · Eq €60k
ENTREPRISE E.lo.cé
BE 0890.276.688
Seraing · Eq €60k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 13,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2020
Fiscal year end31-07
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.