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Carromaz

Active
Public limited companyfounded 199036 yrs activeRue des Pieds d'Alouette(NN) 39, 5100 Namur, BelgiumKBO/BCE: BE 0440.634.277
Summary

The computed 12-month bankruptcy probability of Carromaz is 5.1% (elevated). The 2024 annual accounts show equity of €466,789 and a net result of €763,336. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 574 sector peers (fiscal year 2024). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
CarromazActiveChecked score 38/100
Risk analysis ReportCompare

Overview

Activity
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
NACE 95311NACE 45201NACE 45204
#2 company by staff growth in Namur, Other services sector3 sites
Size
€2.6mtotal assets 2024
Staff
23.6 FTE
Equity
€466,789
Profit
€763,336
Financial health
38 Weak Checked score 2024
Bankruptcy chance 12 m
5.1%
Structure
Parent
INVEST-GROUP AUTOMOTIVE · 100%
Auditor: REMON & COAccounts 65 d overdue1 of 11 deeds read
Why 38- Figures for FY 2024 (filed 05-11-2025)- 1 change of registered office in 24 months- Equity €466,789 (18.1% of total assets)+ Founded in 1990Show the evidence

Checked score

Score 2024
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 50% of its sector peers (NACE 95, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 43-14
equity 18.1% of total assets
Liquidity 19-15
short-term debt 79.1% · cash 9.6%
Profitability 100+5
return on assets 29.6%
Bankruptcy probability, 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (330 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.2%▲ +14.2% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.4%▲ +145% vs 03-2025 05-2025: 0.5%▲ +20.6% vs 04-2025 06-2025: 0.4%▼ -7.4% vs 05-2025 07-2025: 0.5%▲ +12.3% vs 06-2025 08-2025: 0.8%▲ +68.8% vs 07-2025 09-2025: 1.1%▲ +31.2% vs 08-2025 10-2025: 1.9%▲ +71.6% vs 09-2025 11-2025: 1.9%▲ +2.9% vs 10-2025 12-2025: 1.6%▼ -14.9% vs 11-2025 01-2026: 1.6%▼ -0.5% vs 12-2025 02-2026: 1.7%▲ +2.3% vs 01-2026 03-2026: 1.9%▲ +13.0% vs 02-2026 04-2026: 2.0%▲ +4.6% vs 03-2026 05-2026: 2.2%▲ +9.5% vs 04-2026 06-2026: 2.2%● 0.0% vs 05-2026 07-2026: 2.3%▲ +4.4% vs 06-2026 08-2026: 2.8%▲ +24.8% vs 07-2026 09-2026: 3.5%▲ +23.9% vs 08-2026 10-2026: 5.1%▲ +45.1% vs 09-2026highest value
  • Figures for FY 2024 (filed 05-11-2025) raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Founded in 1990 lowers the probability for this profile
  • Equity €466,789 (18.1% of total assets) raises the probability
Credit up to €17,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.43 against 0.8 in 2023; short-term debt: 79.1% and cash: 9.6% of total assets), and 81.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, small). Better than this share of them on solvency 31%, liquidity 22%, profitability 98%, growth against the median 47%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Figures for FY 2024 (filed 05-11-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Equity €466,789 (18.1% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
92 d late
2023
8 d late
2022
12 d early
2021
22 d late
2020
18 d late
2019
24 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 25 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Appointment: Remon & Co (statutory auditor)State Gazette act
  2. Annual accounts filedfiscal year 2024 · full…
  3. Highest result since 2018net €763,336 ▲149%

Key points

  • Positive: Result rose in 2024from €306,569 to €763,336 ▲ 149% View
  • Positive: Company by staff growth in Namur, Other services…in the Checked rankings #2 View
  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Controlled by INVEST-GROUP AUTOMOTIVEknown shareholders 100% 100% View
  • Positive: 7 profitable years in a rowprofit 2024: €763,336 7 years View

By topic

Financials

Fiscal year
2024
Total assets
€2.6m
Profit
€763,336
Solvency
18.1%
Total assets▲ 79.8%
Net result
20182024
Go to Financials

Board & ownership

Parent
INVEST-GROUP AUTOMOTIVE · 100%
Known shareholders
100%
Auditor
REMON & CO
Go to Board & ownership

Timeline

Events
13
Since
2016
  1. 28-07-2026Appointment: Remon & Co (statutory auditor)
  2. 31-10-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
3
Legal form
Public limited company
Activity
General maintenance and repair of cars and light…NACE 95311
Founded
19-04-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

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