Financials
- Fiscal year
- 2025
- Total assets
- €443,800
- Loss
- -€44,214
- Solvency
- 60.6%
Total assets▼ 12.2%
Net result
20222025
CASA CARMELO
ActiveSummary
CASA CARMELO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268,784 and a net result of -€44,214. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 72% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
What they do
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
How big
€443,800total assets 2025
- Equity
- €268,784
- Loss
- -€44,214
Turnover not published (abridged schema)
Who decides
Accounts filed 30 d late0 of 1 deed read
Why 80- Liquidity: current ratio 1.38, cash €1,633, halved- Loss of €44,214, the second in a row (FY 2025)+ Sector Real estate activities (NACE 68)+ Size: total assets €443,800Show the evidence
Checked score
Score 2025
80
/ 100
Excellent
Probability in this band: under 0.55%
Better than 35% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
86-1
equity 60.6% of total assets
Liquidity
38-21
short-term debt 30.3% · cash 0.4%
Profitability
13+4
return on assets -10.0%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 1.38, cash €1,633, halved raises the probability
- Sector Real estate activities (NACE 68) lowers the probability
- Size: total assets €443,800 lowers the probability for this profile
- Loss of €44,214, the second in a row (FY 2025) raises the probability
Credit up to €21,000 at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.8 in 2024; short-term debt: 30.3% and cash: 0.4% of total assets), and 39.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 72%, liquidity 31%, profitability 15%, growth against the median 25%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€44,214
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
26 d late
2023
21 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 28 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€44,214
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2023
- Next accounts
- by 31-07-2027
- 30-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 26-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Renting and operating of own or leased residential…NACE 68201
- Founded
- 05-12-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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