CARTANA
ActiveSummary
CARTANA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €77k and a net result of €34k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 37% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+38
Solvency43▲+5
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.47 against 1.63 in 2023; short-term debt: 67.3% and cash: 5.5% of total assets), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
17.8%
Return on assets
8%
Age of the figures
21 mo
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 19-12-2025, 141 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 filingsDeviation from the deadline
2025
not confirmed
2024
141 d late
2023
161 d late
2022
88 d late
2021
11 d early
2020
31 d late
2019
15 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k
2023 · €-45k
2018: €-9k
2019: €17k
2020: €4k
2021: €-4k
2022: €2k
2023: €-45k
2018 → 2024
Working capital
€137k▲ 7.3%
2023 · €128k
2018: €13k
2019: €94k
2020: €100k
2021: €93k
2022: €160k
2023: €128k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€90k-€86k▼ 4.5%€88k▲ 2.7%€42k▼ 51.7%€77k▲ 81.0%
Operating result€7k-€-3k€4k€12k▲ 176%€36k▲ 214%
Net result€4k-€-4k€2k€-45k€34k
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 214% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €431k
Fixed assets
€4k ▼ 37.5%
Current assets
€427k ▲ 29.0%
Equity and liabilities €431k
Equity
€77k ▲ 81.0%
Debt
€355k ▲ 20.1%
Debt's share of the balance-sheet total falls from 87.5% to 82.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2023 · €15k
Cash flow
€37k▲
2023 · €-43k
Current ratio
1.47▼
2023 · 1.63
Quick ratio
0.74▲
2023 · 0.68
Debt to equity
4.62▼
2023 · 6.97
ROE
44.8%▲
2023 · -107.2%
ROA
8.0%▲
2023 · -13.4%
Interest coverage
18.45▲
2023 · 4.66
Debt ≤ 1 year
€290k▲
2023 · €204k
Debt > 1 year
€38k▼
2023 · €55k
Staff costs
€1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€338k€431k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€268€268=
Current assets29/58€331k€427k▲
Stocks and contracts in progress3€194k€213k▲
Stocks30/36€194k€213k▲
Amounts receivable within one year40/41€87k€191k▲
Trade receivables40€82k€182k▲
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€50k€24k▼
Equity and liabilities
Total equity and liabilities10/49€338k€431k▲
Equity10/15€42k€77k▲
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€28k€62k▲
Amounts payable17/49€295k€355k▲
Amounts payable after more than one year17€55k€38k▼
Financial debts170/4€55k€38k▼
Amounts payable within one year42/48€204k€290k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€72k€153k▲
Suppliers440/4€72k€153k▲
Advances received on contracts in progress46€43k€52k▲
Taxes, remuneration and social security45€2k€83▼
Taxes450/3€2k€83▼
Other amounts payable47/48€70k€69k▼
Accrued charges and deferred income492/3€36k€26k▼
Income statement
Code20232024
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€23k-
Other operating charges640/8€3k€1k▼
Gross operating margin9900€40k€42k▲
Operating profit (loss)9901€12k€36k▲
Financial income75/76B€570€13▼
Recurring financial income75€570€13▼
Financial charges65/66B€58k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€54k-
Profit (loss) for the period before taxes9903€-45k€34k▲
Profit (loss) for the period9904€-45k€34k▲
Profit (loss) for the period to be appropriated9905€-45k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€62k▲
Profit (loss) brought forward from the previous period14P€73k€28k▼
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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 141 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 161 days late
2024
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-45k ▼2078%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 88 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Anderlecht · 1 establishment unit since 2012
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.
Sylvain Dupuislaan 2191070 AnderlechtGround area
7,228 m²
Building footprint
1,611 m²
Volume, LiDAR
27,141 m³
Parcel 21001A0392/00V000, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Sylvain Dupuislaan 219, 1070 Anderlecht
since 20122.211.148.355
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0392/00V000 | Brussels | 7,228 m² | 1 · 1,611 m² | 20.4 m · 6 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.
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Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,534 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.