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 1.9% (moderate). The 2025 annual accounts show equity of €711,868 and a net result of €520,080. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 468 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

CarromazActiveChecked score 55/100

Risk analysis Report Compare

Activity

General maintenance and repair of cars and light vans (up to 3.5 tonnes)

NACE 95311NACE 45201NACE 45204

#1 employer in the province of Namur, Repair of computers and personal goods sector3 sites

Size

€4.3mtotal assets 2025

Staff: 38.4 FTE
Equity: €711,868
Profit: €520,080

Financial health

55 Fair Checked score 2025

Bankruptcy chance 12 m: 1.9%

Structure

Parent: INVEST-GROUP AUTOMOTIVE · 100%

Auditor: REMON & COAccounts filed 61 d late1 of 11 deeds read

Why 55- Equity €711,868 (16.7% of total assets)- 1 change of registered office in 24 months- Liquidity: current ratio 0.98, cash €228,683- Latest accounts 61 days late; 2 of the last 3 lateShow the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 54% of its sector peers (NACE 95, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 42-1

equity 16.7% of total assets

Liquidity 11-8

short-term debt 82.9% · cash 5.4%

Profitability 84-16

return on assets 12.2%

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (329 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 08-2026highest value 10-2026: 1.9%▼ -45.6% vs 09-2026

Equity €711,868 (16.7% of total assets) raises the probability
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 0.98, cash €228,683 raises the probability
Latest accounts 61 days late; 2 of the last 3 late raises the probability

Credit up to €35,000 at 30 days acceptable

Liquidity short (current ratio 0.98 against 0.43 in 2024; short-term debt: 82.9% and cash: 5.4% of total assets), and 83.3% 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 29%, liquidity 12%, profitability 81%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Equity €711,868 (16.7% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 0.98, cash €228,683

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Latest accounts 61 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 468 sector peers (2025).

NBB · sector comparison

Position among 468 sector peers

Solvency

better than 22%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 10 filings

Deviation from the deadline

2025

61 d late

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 7 accounts on average 30 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 (2)

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. Usually files around 22 August (4 of the last 5 filed years within 39 days of that day).

Companies Code · seven months

Position in the running window

05-10-2026 today31-12-2026 close31-07-2027 deadline

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

30-09-26 Annual accounts filedfiscal year 2025 · full…
28-07-26 Appointment: Remon & Co (statutory auditor)State Gazette act
31-12-25 Equity above €500,000Eq €711,868 ▲52.5%

Key points

Positive: Employer in the province of Namur, Repair of…in the Checked rankings #1 View
Positive: Staff rose in 2025from 23.6 FTE to 38.4 FTE ▲ 62.7% View
Caution: Latest accounts filed lateafter the legal deadline 61 d View
Positive: 8 profitable years in a rowprofit 2025: €520,080 8 years View
Controlled by INVEST-GROUP AUTOMOTIVEknown shareholders 100% 100% View