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CARYS

Active
Public limited companyfounded 199135 yrs activeKleine Amer 25, 2870 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 0444.597.817
Summary

CARYS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €315,320 and a net result of €56,403. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 4235 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability89▲+4
Solvency100▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 12.6 against 3.79 in 2024; short-term debt: 7.8% and cash: 87% of total assets), and 7.8% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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 date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
92.2%
Return on assets
16.5%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €315,320
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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
21 d late
2024
1 d late
2023
2 d early
2022
16 d late
2021
52 d early
2020
27 d late
2019
31 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 6 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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. Usually files around 1 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

CARYS was incorporated on 28 June 1991.1 Total assets fell from EUR 1.1 million in 2018 to EUR 342,097 in 2025 and headcount from 1 full-time equivalents in 2018 to 1 in 2022.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018, 2022 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€56,403▲ 25.0%
2024 · €45,113
Working capital
€310,669▲ 20.5%
2024 · €257,816
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€18,719-€77,542▼ 314%€11,009€50,525▲ 359%€73,045▲ 44.6%
Net result-€21,875below the sector's middle half-€78,107below the sector's middle half▼ 257%€9,731within the sector's middle half€45,113within the sector's middle half▲ 364%€56,403within the sector's middle half▲ 25.0%
Equity€406,564within the sector's middle half▼ 14.7%€297,110within the sector's middle half▼ 26.9%€213,804within the sector's middle half▼ 28.0%€258,917within the sector's middle half▲ 21.1%€315,320within the sector's middle half▲ 21.8%
Total assets€482,446within the sector's middle half▼ 22.9%€342,111below the sector's middle half▼ 29.1%€314,758below the sector's middle half▼ 8.0%€351,313below the sector's middle half▲ 11.6%€342,097below the sector's middle half▼ 2.6%
Debt€75,882▼ 49.1%€45,001▼ 40.7%€100,954▲ 124%€92,396▼ 8.5%€26,777▼ 71.0%
Working capital€368,293within the sector's middle half▼ 20.2%€267,926within the sector's middle half▼ 27.3%€207,899within the sector's middle half▼ 22.4%€257,816within the sector's middle half▲ 24.0%€310,669within the sector's middle half▲ 20.5%
Solvency84.3%above the sector's middle half▲ 8.1pp86.8%above the sector's middle half▲ 2.6pp67.9%above the sector's middle half▼ 18.9pp73.7%above the sector's middle half▲ 5.8pp92.2%above the sector's middle half▲ 18.5pp
Current ratio5.85above the sector's middle half▲ 1.766.95above the sector's middle half▲ 1.103.06above the sector's middle half▼ 3.893.79above the sector's middle half▲ 0.7312.60above the sector's middle half▲ 8.81
Return on assets (ROA)-4.5%below the sector's middle half▼ 7.9pp-22.8%below the sector's middle half▼ 18.3pp3.1%within the sector's middle half▲ 25.9pp12.8%above the sector's middle half▲ 9.7pp16.5%above the sector's middle half▲ 3.6pp
Staff (FTE)1below the sector's middle half▲ 25.0%1below the sector's middle half=
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€100,000-€50,000€0€50,000Operating result 2021: -€18,719-€18,719Net result 2021: -€21,875-€21,875Operating result 2022: -€77,542-€77,542Net result 2022: -€78,107-€78,107Operating result 2023: €11,009€11,009Net result 2023: €9,731€9,731Operating result 2024: €50,525€50,525Net result 2024: €45,113€45,113Operating result 2025: €73,045€73,045Net result 2025: €56,403€56,40320212022202320242025€0€20,000€40,000€60,000€80,000Operating result 2023: €11,009€11,000Net result 2023: €9,731€9,730Operating result 2024: €50,525€50,500Net result 2024: €45,113€45,100Operating result 2025: €73,045€73,000Net result 2025: €56,403€56,400202320242025
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €342,097
Fixed assets €4,651 ▲ 323%
Current assets €337,446 ▼ 3.6%
Equity and liabilities €342,097
Equity €315,320 ▲ 21.8%
Debt €26,777 ▼ 71.0%
Debt's share of the balance-sheet total falls from 26.3% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€74,606▲
2024 · €55,329
Cash flow
€57,963▲
2024 · €49,917
Quick ratio
11.53▲
2024 · 3.16
Debt to equity
0.08▼
2024 · 0.36
ROE
17.9%▲
2024 · 17.4%
Interest coverage
108.56▲
2024 · 74.39
Debt ≤ 1 year
€26,777▼
2024 · €92,396
Income taxes
€15,955▲
2024 · €4,693
Staff costs
€0▼
2024 · €1,428
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.4% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet Code20242025
Assets
Total assets20/58€351,313€342,097▼
Fixed assets21/28€1,101€4,651▲
Tangible fixed assets22/27€1,101€4,651▲
Furniture and vehicles24€476€4,585▲
Other tangible fixed assets26€624€66▼
Current assets29/58€350,212€337,446▼
Stocks and contracts in progress3€57,855€28,821▼
Stocks30/36€57,855€28,821▼
Amounts receivable within one year40/41€2,127€7,511▲
Trade receivables40€1,711€4,710▲
Other amounts receivable41€416€2,801▲
Cash at bank and in hand54/58€285,552€297,765▲
Deferred charges and accrued income490/1€4,678€3,349▼
Equity and liabilities
Total equity and liabilities10/49€351,313€342,097▼
Equity10/15€258,917€315,320▲
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€223,737€280,140▲
Non-distributable reserves130/1€50,840€50,840=
Legal reserve130€50,840€50,840=
Distributable reserves133€172,897€229,300▲
Profit (loss) carried forward14-€26,820-€26,820=
Amounts payable17/49€92,396€26,777▼
Amounts payable within one year42/48€92,396€26,777▼
Financial debts43€114€0▼
Credit institutions430/8€114€0▼
Trade debts44€10,020€9,886▼
Suppliers440/4€10,020€9,886▼
Advances received on contracts in progress46€3,350€0▼
Taxes, remuneration and social security45€5,659€13,339▲
Taxes450/3€5,659€13,339▲
Other amounts payable47/48€73,252€3,552▼
Income statement Code20242025
Remuneration, social security and pensions62€1,428€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,804€1,561▼
Other operating charges640/8€5,311€4,954▼
Gross operating margin9900€62,067€79,560▲
Operating profit (loss)9901€50,525€73,045▲
Financial income75/76B€25€0▼
Recurring financial income75€25€0▼
Financial charges65/66B€744€687▼
Recurring financial charges65€744€687▼
Profit (loss) for the period before taxes9903€49,806€72,358▲
Income taxes67/77€4,693€15,955▲
Profit (loss) for the period9904€45,113€56,403▲
Profit (loss) for the period to be appropriated9905€45,113€56,403▲
Appropriation of the result
Profit (loss) to be appropriated9906€18,293€29,583▲
Profit (loss) brought forward from the previous period14P-€26,820-€26,820=
Transfer from equity791/2€0-
Transfer to equity691/2€45,113€56,403▲
To other reserves6921€45,113€56,403▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62€23,156€39,753€643€1,428€0▼ 100%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,782€19,952€23,279€4,804€1,561▼ 67.5%
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-----
Other operating charges640/8€6,399€6,494€5,377€5,311€4,954▼ 6.7%
Gross operating margin9900€23,618-€11,342€40,307€62,067€79,560▲ 28.2%
Operating profit (loss)9901-€18,719-€77,542€11,009€50,525€73,045▲ 44.6%
Financial income75/76B€48€2€489€25€0▼ 100%
Recurring financial income75€48€2€489€25€0▼ 100%
Financial charges65/66B€391€455€649€744€687▼ 7.6%
Recurring financial charges65€391€455€649€744€687▼ 7.6%
Profit (loss) for the period before taxes9903-€19,063-€77,995€10,848€49,806€72,358▲ 45.3%
Income taxes67/77€2,812€112€1,116€4,693€15,955▲ 240%
Profit (loss) for the period9904-€21,875-€78,107€9,731€45,113€56,403▲ 25.0%
Transfer from tax-exempt reserves789€18,750€0----
Profit (loss) for the period to be appropriated9905-€3,125-€78,107€9,731€45,113€56,403▲ 25.0%
Line20212022202320242025Change
Assets
Total assets20/58€482,446€342,111€314,758€351,313€342,097▼ 2.6%
Fixed assets21/28€38,271€29,184€5,905€1,101€4,651▲ 323%
Tangible fixed assets22/27€38,136€29,184€5,905€1,101€4,651▲ 323%
Furniture and vehicles24€34,687€26,923€4,492€476€4,585▲ 862%
Other tangible fixed assets26€3,450€2,261€1,413€624€66▼ 89.5%
Financial fixed assets28€135€0----
Current assets29/58€444,174€312,927€308,853€350,212€337,446▼ 3.6%
Stocks and contracts in progress3€63,822€55,570€69,715€57,855€28,821▼ 50.2%
Stocks30/36€63,822€55,570€69,715€57,855€28,821▼ 50.2%
Amounts receivable within one year40/41€34,146€11,974€20,801€2,127€7,511▲ 253%
Trade receivables40€21,783€65€17,207€1,711€4,710▲ 175%
Other amounts receivable41€12,363€11,909€3,594€416€2,801▲ 573%
Cash at bank and in hand54/58€337,187€235,363€212,474€285,552€297,765▲ 4.3%
Deferred charges and accrued income490/1€9,020€10,020€5,863€4,678€3,349▼ 28.4%
Equity and liabilities
Total equity and liabilities10/49€482,446€342,111€314,758€351,313€342,097▼ 2.6%
Equity10/15€406,564€297,110€213,804€258,917€315,320▲ 21.8%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10€62,000€62,000€62,000€62,000€62,000=
Issued capital100€62,000€62,000€62,000€62,000€62,000=
Reserves13€344,564€261,930€178,624€223,737€280,140▲ 25.2%
Non-distributable reserves130/1€50,840€50,840€50,840€50,840€50,840=
Legal reserve130€50,840€50,840€50,840€50,840€50,840=
Tax-exempt reserves132€0-----
Distributable reserves133€293,724€211,090€127,784€172,897€229,300▲ 32.6%
Profit (loss) carried forward14€0-€26,820-€26,820-€26,820-€26,820=
Amounts payable17/49€75,882€45,001€100,954€92,396€26,777▼ 71.0%
Amounts payable within one year42/48€75,882€45,001€100,954€92,396€26,777▼ 71.0%
Financial debts43---€114€0▼ 100%
Credit institutions430/8---€114€0▼ 100%
Trade debts44€33,299€10,539€12,801€10,020€9,886▼ 1.3%
Suppliers440/4€33,299€10,539€12,801€10,020€9,886▼ 1.3%
Advances received on contracts in progress46---€3,350€0▼ 100%
Taxes, remuneration and social security45€7,813€7,311€5,392€5,659€13,339▲ 136%
Taxes450/3€5,119€4,426€5,392€5,659€13,339▲ 136%
Remuneration and social security454/9€2,694€2,885€0---
Other amounts payable47/48€34,770€27,150€82,760€73,252€3,552▼ 95.2%
Line20212022202320242025Change
Profit (loss) for the period9904-€21,875-€78,107€9,731€45,113€56,403▲ 25.0%
+ Depreciation and write-downs630€12,782€19,952€23,279€4,804€1,561▼ 67.5%
Operating cash flow (approximation)-€9,093-€58,155€33,011€49,917€57,963▲ 16.1%
Investment in fixed assets (approximation)--€10,865€0€0-€5,111-
Change in cash--€101,824-€22,889€73,079€12,213▼ 83.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · full schema · 21 days late
2025
31-12
Financial Liquidity triplescurrent ratio 12.60
Current ratio from 3.79 to 12.60; short-term debt falls from €92,396 to €26,777.
01-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 1 day late
2024
29-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Back to profitnet €9,731
Net result €9,731 after 2 loss-making years.
16-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
31-12
Financial Weakest financial yearnet -€78,107
Net result drops to -€78,107, the lowest in the series; recovery starts the following year.
09-06
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-08
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial Highest result since 2018net €96,848 ▲4.1%
Operating result €137,461, net result €96,848, both a record.
31-12
Financial Liquidity times 8current ratio 18.36
Current ratio from 2.35 to 18.36; short-term debt falls from €454,655 to €40,392.
Show earlier events
31-12
Financial Equity above €500,000Eq €567,198 ▲20.6%
2 profitable years in a row build equity to €567,198.
29-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts

We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Puurs-Sint-Amands · 1 establishment unit since 2000
seat establishment The establishment unit on the map
Ground area
781 m²
Building footprint
526 m²
Volume, LiDAR
2,731 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mechelsesteenweg 485, 2830 Willebroek
Water transport
since 20002.053.652.227
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12004B0682/00K000 Flanders 619 m² 1 · 364 m² 6.7 m · 1 fl.
12030D0699/00K002 Flanders 162 m² 1 · 162 m² 8.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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

Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,632 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded28-06-1991
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID 0208:0444597817
Also 9925:BE0444597817
Registered 20-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.