Casmo
ActiveCasmo has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €9k. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-3
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.56 against 3.88 in 2024; short-term debt: 24.7% and cash: 36.7% of total assets), and 24.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
75.3%
Return on assets
14.1%
Age of the figures
9 mo
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 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €47k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 filingsDeviation from the deadline
2025
24 d late
2024
12 d late
2023
49 d early
2022
48 d early
2021
46 d early
2020
3 d early
2019
6 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 23.1%
2024 · €38k
2018: €97k
2019: €97k
2020: €116k
2021: €118k
2022: €66k
2023: €30k
2024: €38k
2018 → 2025
Total assets
€62k▲ 31.3%
2024 · €47k
2018: €104k
2019: €102k
2020: €132k
2021: €136k
2022: €121k
2023: €35k
2024: €47k
2018 → 2025
Net result
€9k▲ 14.1%
2024 · €8k
2018: €-2k
2019: €277
2020: €18k
2021: €2k
2022: €-12k
2023: €14k
2024: €8k
2018 → 2025
Working capital
€39k▲ 46.5%
2024 · €27k
2018: €73k
2019: €74k
2020: €77k
2021: €87k
2022: €36k
2023: €29k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€66k▼ 43.9%€30k▼ 53.9%€38k▲ 25.4%€47k▲ 23.1%
Operating result€3k-€-12k€17k€12k▼ 29.9%€16k▲ 36.5%
Net result€2k-€-12k€14k€8k▼ 46.5%€9k▲ 14.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€8k▼ 32.6%
Current assets
€55k▲ 51.2%
Equity and liabilities €62k
Equity
€47k▲ 23.1%
Debt
€15k▲ 64.8%
The debt ratio rises from 19.6% to 24.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▲
2024 · €16k
Cash flow
€14k▲
2024 · €12k
Solvency
75.3%▼
2024 · 80.4%
Current ratio
3.56▼
2024 · 3.88
Quick ratio
3.56▼
2024 · 3.88
Debt / equity
0.33▲
2024 · 0.24
ROE
18.8%▼
2024 · 20.2%
ROA
14.1%▼
2024 · 16.3%
Interest coverage
8.07▼
2024 · 349.55
Debt
€15k▲
2024 · €9k
Debt ≤ 1 year
€15k▲
2024 · €9k
Income taxes
€5k▲
2024 · €4k
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€47k€62k▲
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€11k€8k▼
Plant, machinery and equipment23-€717
Furniture and vehicles24€11k€7k▼
Current assets29/58€36k€55k▲
Amounts receivable within one year40/41€16k€11k▼
Trade receivables40€9k€9k▲
Other amounts receivable41€7k€2k▼
Current investments50/53-€20k
Cash at bank and in hand54/58€20k€23k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€47k€62k▲
Equity10/15€38k€47k▲
Contributions10/11€6k€6k=
Reserves13€29k€38k▲
Distributable reserves133€29k€38k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€9k€15k▲
Amounts payable within one year42/48€9k€15k▲
Trade debts44€2k€400▼
Suppliers440/4€2k€400▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48-€11k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€387€281▼
Gross operating margin9900€16k€21k▲
Operating profit (loss)9901€12k€16k▲
Financial income75/76B€133€78▼
Recurring financial income75€133€78▼
Financial charges65/66B€45€3k▲
Recurring financial charges65€45€3k▲
Profit (loss) for the period before taxes9903€12k€14k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€8k€9k▲
Profit (loss) for the period to be appropriated9905€8k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€11k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€8k€9k▲
To other reserves6921€8k€9k▲
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 7.41
Current ratio from 1.65 to 7.41; short-term debt falls from €55k to €5k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-12k ▼661%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €18k ▲6557%
Operating result €25k, net result €18k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲19%
2 profitable years in a row build equity to €116k.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Back to profitnet €277
Net result €277 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tremelo · 1 establishment unit since 2007
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.
Nieuwstraat 143120 TremeloGround area
1,894 m²
Building footprint
111 m²
Volume, LiDAR
804 m³
Parcel 24109A0068/00G000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Casmo
since 20072.164.941.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109A0068/00G000 | Flanders | 1,894 m² | 1 · 111 m² | 8.7 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 2,267 companies in sector 69209 we hold annual accounts for 1,098. 775 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2007
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.