CARUSO
ActiveCARUSO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €34k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 2.78 in 2024; short-term debt: 20.3% and cash: 0.7% of total assets), and 20.3% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
79.7%
Return on assets
9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
6 d early
2022
5 d early
2021
2 d late
2020
2 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 6.5%
2024 · €280k
2019: €228k
2020: €234k
2021: €251k
2022: €263k
2023: €244k
2024: €280k
2019 → 2025
Total assets
€374k▲ 3.9%
2024 · €360k
2019: €382k
2020: €362k
2021: €364k
2022: €386k
2023: €376k
2024: €360k
2019 → 2025
Net result
€34k▼ 6.1%
2024 · €36k
2019: €9k
2020: €6k
2021: €17k
2022: €12k
2023: €-1k
2024: €36k
2019 → 2025
Working capital
€144k▲ 17.0%
2024 · €123k
2019: €103k
2020: €120k
2021: €136k
2022: €108k
2023: €96k
2024: €123k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€251k-€263k▲ 4.8%€244k▼ 7.1%€280k▲ 14.6%€298k▲ 6.5%
Operating result€19k-€13k▼ 28.2%€-7k€50k€46k▼ 7.2%
Net result€17k-€12k▼ 27.3%€-1k€36k€34k▼ 6.1%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374k
Fixed assets
€154k▼ 8.0%
Current assets
€220k▲ 14.3%
Equity and liabilities €374k
Equity
€298k▲ 6.5%
Debt
€76k▼ 5.3%
The debt ratio falls from 22.2% to 20.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €65k
Cash flow
€48k▼
2024 · €50k
Solvency
79.7%▲
2024 · 77.8%
Current ratio
2.90▲
2024 · 2.78
Quick ratio
2.88▲
2024 · 2.75
Debt / equity
0.25▼
2024 · 0.29
ROE
11.2%▼
2024 · 12.8%
ROA
9.0%▼
2024 · 9.9%
Interest coverage
16.10▼
2024 · 24.48
Debt
€76k▼
2024 · €80k
Debt ≤ 1 year
€76k▲
2024 · €69k
Debt > 1 year
€0▼
2024 · €11k
Income taxes
€20k▼
2024 · €21k
Staff costs
€-465▼
2024 · €-69
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€360k€374k▲
Fixed assets21/28€167k€154k▼
Tangible fixed assets22/27€167k€154k▼
Land and buildings22€145k€140k▼
Furniture and vehicles24€22k€14k▼
Current assets29/58€192k€220k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€180k€213k▲
Trade receivables40€3k€16k▲
Other amounts receivable41€176k€197k▲
Cash at bank and in hand54/58€9k€3k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€360k€374k▲
Equity10/15€280k€298k▲
Contributions10/11€19k€19k=
Reserves13€261k€279k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€261k€279k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€80k€76k▼
Amounts payable after more than one year17€11k€0▼
Financial debts170/4€11k€0▼
Amounts payable within one year42/48€69k€76k▲
Current portion of amounts payable after more than one year42€23k€11k▼
Financial debts43€5k€6k▲
Credit institutions430/8€5k€6k▲
Trade debts44€23k€27k▲
Suppliers440/4€23k€27k▲
Taxes, remuneration and social security45€17k€17k▲
Taxes450/3€17k€17k▲
Other amounts payable47/48€2k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-69€-465▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€68k€63k▼
Operating profit (loss)9901€50k€46k▼
Financial income75/76B€9k€11k▲
Recurring financial income75€9k€11k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€57k€53k▼
Income taxes67/77€21k€20k▼
Profit (loss) for the period9904€36k€34k▼
Profit (loss) for the period to be appropriated9905€36k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€34k▼
Transfer from equity791/2€0€15k▲
Transfer to equity691/2€36k€34k▼
To other reserves6921€36k€34k▼
Profit to be distributed694/7€0€15k▲
Return on contributions (dividend)694€0€15k▲
The notes to these accounts (9 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-1k ▼112%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
06-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wortegem-Petegem · 1 establishment unit since 1997
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.
Kortrijkstraat (P.-E.) 1569790 Wortegem-PetegemGround area
1,684 m²
Building footprint
300 m²
Volume, LiDAR
1,346 m³
Parcel 45008C0048/00S000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARUSO BVBA
since 19972.080.268.334
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45008C0048/00S000 | Flanders | 1,684 m² | 1 · 300 m² | 7.1 m · 2 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.
Similar companies · same sector, comparable size
SERVITRANS
BE 0831.466.875
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TGM
BE 0436.261.656
Zoersel · Eq €298k
Okeyn
BE 0891.235.109
Braine-l'Alleud · Eq €298k
BOUWBEMIDDELING
BE 0478.185.947
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Hakimpex
BE 0769.345.008
Hoogstraten · Eq €299k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,732 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1996
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
41001General construction of residential buildings
43320Joinery installation
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.