Carvit
ActiveCarvit has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €75k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 22% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85=
Solvency38▼-46
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.92 against 6.76 in 2024; short-term debt: 56.3% and cash: 8.3% of total assets), and 86.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
13.4%
Return on assets
12.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7694 sector peers (2025).
NBB · sector comparisonPosition among 7694 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 9 filingsDeviation from the deadline
2025
6 d late
2024
25 d late
2023
26 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
31 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▼ 77.1%
2024 · €344k
2018: €69k
2019: €28k
2020: €95k
2021: €143k
2022: €215k
2023: €268k
2024: €344k
2018 → 2025
Total assets
€587k▲ 1.0%
2024 · €581k
2018: €173k
2019: €407k
2020: €442k
2021: €473k
2022: €523k
2023: €535k
2024: €581k
2018 → 2025
Net result
€75k▼ 1.3%
2024 · €76k
2018: €18k
2019: €-42k
2020: €67k
2021: €47k
2022: €72k
2023: €53k
2024: €76k
2018 → 2025
Working capital
€-26k
2024 · €248k
2018: €92k
2019: €-6k
2020: €36k
2021: €77k
2022: €140k
2023: €179k
2024: €248k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€215k▲ 50.6%€268k▲ 24.8%€344k▲ 28.3%€79k▼ 77.1%
Operating result€71k-€105k▲ 46.6%€80k▼ 24.0%€100k▲ 25.3%€103k▲ 3.3%
Net result€47k-€72k▲ 52.6%€53k▼ 26.1%€76k▲ 42.2%€75k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€283k▼ 2.5%
Current assets
€305k▲ 4.5%
Equity and liabilities €587k
Equity
€79k▼ 77.1%
Debt
€509k▲ 114%
The debt ratio rises from 40.8% to 86.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€112k▲
2024 · €109k
Cash flow
€84k▼
2024 · €85k
Solvency
13.4%▼
2024 · 59.2%
Current ratio
0.92▼
2024 · 6.76
Quick ratio
0.92▼
2024 · 6.76
Debt / equity
6.45▲
2024 · 0.69
ROE
95.0%▲
2024 · 22.0%
ROA
12.7%▼
2024 · 13.0%
Interest coverage
29.82▼
2024 · 38.77
Debt
€509k▲
2024 · €237k
Debt ≤ 1 year
€331k▲
2024 · €43k
Debt > 1 year
€176k▼
2024 · €194k
Income taxes
€27k▲
2024 · €23k
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€581k€587k▲
Fixed assets21/28€290k€283k▼
Tangible fixed assets22/27€290k€283k▼
Land and buildings22€290k€283k▼
Furniture and vehicles24€0-
Financial fixed assets28€0-
Current assets29/58€291k€305k▲
Amounts receivable within one year40/41€30k€50k▲
Trade receivables40€28k€48k▲
Other amounts receivable41€3k€3k=
Current investments50/53€201k€203k▲
Cash at bank and in hand54/58€60k€49k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€581k€587k▲
Equity10/15€344k€79k▼
Contributions10/11€30k€30k=
Reserves13€238k€4k▼
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133€235k€4k▼
Profit (loss) carried forward14€76k€45k▼
Amounts payable17/49€237k€509k▲
Amounts payable after more than one year17€194k€176k▼
Financial debts170/4€194k€176k▼
Amounts payable within one year42/48€43k€331k▲
Current portion of amounts payable after more than one year42€18k€18k=
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€18k€301k▲
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€3k€2k▼
Gross operating margin9900€112k€114k▲
Operating profit (loss)9901€100k€103k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€3k€4k▲
Non-recurring financial charges66B€2k€0▼
Profit (loss) for the period before taxes9903€99k€102k▲
Income taxes67/77€23k€27k▲
Profit (loss) for the period9904€76k€75k▼
Profit (loss) for the period to be appropriated9905€76k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€151k▲
Profit (loss) brought forward from the previous period14P€53k€76k▲
Transfer from equity791/2-€310k
Transfer to equity691/2€53k€76k▲
To other reserves6921€53k€76k▲
Profit to be distributed694/7-€340k
Return on contributions (dividend)694-€340k
The notes to these accounts (11 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2018net €76k ▲42.2%
Net result €76k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €215k ▲50.6%
3 profitable years in a row build equity to €215k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €143k ▲49.6%
2 profitable years in a row build equity to €143k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-42k ▼335%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geel
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.
Ierlandlaan 62440 GeelGround area
9,591 m²
Building footprint
537 m²
Volume, LiDAR
3,794 m³
Parcel 13372A0955/00W026, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372A0955/00W026 | Flanders | 9,591 m² | 1 · 537 m² | 11.3 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.
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 7,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2016
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.