CARUUR
ActiveSummary
CARUUR has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.19M and a net result of €476k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 435 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-1
Solvency51▲+1
Growth65▼-13
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €450k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.27 in 2024; short-term debt: 35.6% and cash: 2.1% of total assets), and 73.7% 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
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
26.3%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
45 d early
2023
49 d early
2022
69 d early
2021
67 d early
2020
65 d early
2019
80 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€14.49M▲ 2.1%
2024 · €14.19M
2024: €14.19M
2024 → 2025
EBIT margin
9.2%▼ 3.4pp
2024 · 12.6%
2024: 12.6%
2024 → 2025
Net result
€476k▼ 45.2%
2024 · €867k
2018: €371k
2019: €726k
2020: €710k
2021: €743k
2022: €1.44M
2023: €1.34M
2024: €867k
2018 → 2025
Working capital
€-6.89M▼ 2.8%
2024 · €-6.70M
2018: €-2.68M
2019: €-2.90M
2020: €-2.95M
2021: €-3.69M
2022: €-4.79M
2023: €-5.93M
2024: €-6.70M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.19M€14.49M▲ 2.1%
Equity€3.93M-€4.89M▲ 24.5%€6.19M▲ 26.4%€6.86M▲ 10.9%€7.19M▲ 4.7%
Operating result€997k-€1.91M▲ 91.1%€2.19M▲ 14.9%€1.79M▼ 18.1%€1.33M▼ 25.6%
Net result€743k-€1.44M▲ 94.0%€1.34M▼ 6.8%€867k▼ 35.4%€476k▼ 45.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27.33M
Fixed assets
€24.49M ▼ 2.0%
Current assets
€2.84M ▲ 15.8%
Equity and liabilities €27.33M
Equity
€7.19M ▲ 4.7%
Provisions
€0 ▼ 100%
Debt
€20.14M ▼ 2.0%
Debt's share of the balance-sheet total falls from 74.9% to 73.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9.02M▲
2024 · €8.98M
Cash flow
€8.17M▲
2024 · €8.05M
Current ratio
0.29▲
2024 · 0.27
Debt to equity
2.80▼
2024 · 2.99
ROE
6.6%▼
2024 · 12.6%
ROA
1.7%▼
2024 · 3.2%
Interest coverage
12.99▼
2024 · 13.39
Debt ≤ 1 year
€9.73M▲
2024 · €9.15M
Debt > 1 year
€9.51M▼
2024 · €10.51M
Income taxes
€172k▼
2024 · €235k
Staff costs
€1.59M▼
2024 · €1.80M
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 · 2025 against 2024 · 82 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27.44M€27.33M▼
Fixed assets21/28€24.99M€24.49M▼
Intangible fixed assets21€53k€94k▲
Tangible fixed assets22/27€24.93M€24.39M▼
Land and buildings22€201k€157k▼
Plant, machinery and equipment23€62k€52k▼
Furniture and vehicles24€24.09M€23.63M▼
Other tangible fixed assets26€580k€556k▼
Current assets29/58€2.45M€2.84M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€1.74M€1.86M▲
Trade receivables40€1.69M€1.85M▲
Other amounts receivable41€52k€14k▼
Current investments50/53€0-
Other investments51/53€0-
Cash at bank and in hand54/58€408k€580k▲
Deferred charges and accrued income490/1€301k€400k▲
Equity and liabilities
Total equity and liabilities10/49€27.44M€27.33M▼
Equity10/15€6.86M€7.19M▲
Contributions10/11€165k€165k=
Capital10€165k€165k=
Issued capital100€165k€165k=
Reserves13€6.70M€7.02M▲
Non-distributable reserves130/1€17k€17k=
Legal reserve130€17k€17k=
Tax-exempt reserves132€1.64M€1.68M▲
Distributable reserves133€5.04M€5.32M▲
Provisions and deferred taxes16€37k€0▼
Provisions for liabilities and charges160/5€37k€0▼
Other liabilities and charges164/5€37k€0▼
Amounts payable17/49€20.54M€20.14M▼
Amounts payable after more than one year17€10.51M€9.51M▼
Financial debts170/4€10.14M€9.26M▼
Credit institutions173€10.14M€9.26M▼
Other amounts payable178/9€370k€250k▼
Amounts payable within one year42/48€9.15M€9.73M▲
Current portion of amounts payable after more than one year42€7.27M€7.48M▲
Financial debts43€0€261k▲
Credit institutions430/8€0€261k▲
Trade debts44€793k€807k▲
Suppliers440/4€793k€807k▲
Taxes, remuneration and social security45€490k€506k▲
Taxes450/3€192k€199k▲
Remuneration and social security454/9€298k€307k▲
Other amounts payable47/48€607k€671k▲
Accrued charges and deferred income492/3€873k€902k▲
Income statement
Code20242025
Operating income70/76A€16.22M€16.46M▲
Turnover70€14.19M€14.49M▲
Other operating income74€2.03M€1.97M▼
Non-recurring operating income76A€0-
Operating charges60/66A€14.43M€15.12M▲
Goods for resale, raw materials and consumables60€4.47M€4.40M▼
Purchases600/8€4.47M€4.40M▼
Services and other goods61€970k€1.10M▲
Remuneration, social security and pensions62€1.80M€1.59M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7.18M€7.69M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-39k€15k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-213k€-37k▲
Other operating charges640/8€256k€358k▲
Operating profit (loss)9901€1.79M€1.33M▼
Financial income75/76B€25k€27k▲
Recurring financial income75€25k€27k▲
Income from current assets751€14k€8k▼
Other financial income752/9€11k€19k▲
Financial charges65/66B€716k€713k▼
Recurring financial charges65€716k€713k▼
Debt charges650€671k€695k▲
Other financial charges652/9€46k€19k▼
Profit (loss) for the period before taxes9903€1.10M€647k▼
Income taxes67/77€235k€172k▼
Taxes670/3€235k€172k▼
Tax adjustments and reversals of tax provisions77€3€667▲
Profit (loss) for the period9904€867k€476k▼
Transfer from tax-exempt reserves789€0€211k▲
Transfer to tax-exempt reserves689€337k€253k▼
Profit (loss) for the period to be appropriated9905€530k€434k▼
Appropriation of the result
Profit (loss) to be appropriated9906€530k€434k▼
Transfer to equity691/2€340k€284k▼
To other reserves6921€340k€284k▼
Profit to be distributed694/7€190k€150k▼
Directors or managers695€190k€150k▼
Social balance
Average headcount (FTE)908723.724.0▲
The notes to these accounts (66 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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €5MEq €6.19M ▲26.4%
6 profitable years in a row build equity to €6.19M.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €1.44M ▲94%
Net result €1.44M, the highest in the series.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
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
8 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, Gent · 5 establishment units 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.
Land van Waaslaan 29000 GentGround area
3.6 ha
Building footprint
1.8 ha
Volume, LiDAR
119,059 m³
5 parcels, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
5 establishment units
Caruur Gent Dampoort
since 19972.082.548.032
Caruur Gent Haven
since 20142.229.773.345
Caruur Gent Drongen
since 20182.276.337.996
Caruur Oudenaarde
since 20222.333.060.034
Caruur Waregem
since 20222.333.060.133
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0037/00G000 | Flanders | 2.4 ha | 1 · 1.5 ha | 8.5 m · 2 fl. |
| 45502A0457/00V000 | Flanders | 5,651 m² | 1 · 441 m² | 12.8 m · 2 fl. |
| 34452B0633/00C000 | Flanders | 4,378 m² | 1 · 1,246 m² | - |
| 44812A1121/00N000 | Flanders | 1,515 m² | 1 · 1,001 m² | 9.5 m · 3 fl. |
| 44804D0051/00X000 | Flanders | 480 m² | 1 · 262 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 21,285 EUR awarded · 21,488 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 264 EUR | 253 EUR |
| 2023 | 2 | 20,217 EUR | 20,431 EUR |
| 2022 | 1 | 804 EUR | 804 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,443 companies in sector 77110 we hold annual accounts for 727. 147 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 formPublic limited company
Founded08-07-1997
Fiscal year end31-12
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.