CCU Carrelage
ActiveThe computed 12-month bankruptcy probability of CCU Carrelage is 2.4% (moderate). The 2024 annual accounts show negative equity (€-16k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 36373 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
21
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.62 in 2023; short-term debt: 168.3% and cash: 8.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-68.3%
Return on assets
-17.2%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-16k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
91 d late
2022
45 d late
2021
66 d early
2020
20 d late
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-16k▼ 33.6%
2023 · €-12k
2018: €15k
2019: €16k
2020: €18k
2021: €12k
2022: €7k
2023: €-12k
2018 → 2024
Total assets
€24k▲ 11.9%
2023 · €22k
2018: €47k
2019: €41k
2020: €42k
2021: €29k
2022: €42k
2023: €22k
2018 → 2024
Net result
€-4k▲ 78.5%
2023 · €-19k
2018: €7k
2019: €1k
2020: €2k
2021: €-6k
2022: €8k
2023: €-19k
2018 → 2024
Working capital
€-17k▼ 32.4%
2023 · €-13k
2018: €7k
2019: €10k
2020: €14k
2021: €8k
2022: €5k
2023: €-13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€18k-€12k▼ 35.3%€7k▼ 41.3%€-12k€-16k▼ 33.6%
Operating result€2k-€-6k€9k€-19k€-4k▲ 79.1%
Net result€2k-€-6k€8k€-19k€-4k▲ 78.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2024 against €19k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €24k
Fixed assets
€395▼ 45.3%
Current assets
€24k▲ 13.8%
Key figures and ratios
EBITDA
€-4k▲
2023 · €-17k
Cash flow
€-4k▲
2023 · €-17k
Solvency
-68.3%▼
2023 · -57.2%
Current ratio
0.58▼
2023 · 0.62
Quick ratio
0.55▼
2023 · 0.58
Debt / equity
-2.46▲
2023 · -2.75
ROA
-17.2%▲
2023 · -89.6%
Interest coverage
-14.77▲
2023 · -94.41
Debt
€41k▲
2023 · €34k
Debt ≤ 1 year
€41k▲
2023 · €34k
Staff costs
€338▼
2023 · €541
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€22k€24k▲
Formation expenses20€0-
Fixed assets21/28€723€395▼
Tangible fixed assets22/27€698€370▼
Plant, machinery and equipment23€698€370▼
Furniture and vehicles24€0-
Financial fixed assets28€25€25=
Current assets29/58€21k€24k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€17k€20k▲
Trade receivables40€15k€13k▼
Other amounts receivable41€2k€7k▲
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€532€475▼
Equity and liabilities
Total equity and liabilities10/49€22k€24k▲
Equity10/15€-12k€-16k▼
Contributions10/11€6k€6k=
Reserves13€775€775=
Distributable reserves133€775€775=
Profit (loss) carried forward14€-19k€-23k▼
Amounts payable17/49€34k€41k▲
Amounts payable within one year42/48€34k€41k▲
Trade debts44€13k€21k▲
Suppliers440/4€13k€21k▲
Advances received on contracts in progress46€750-
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€985-
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€12k€11k▼
Accrued charges and deferred income492/3€312-
Income statement
Code20232024
Remuneration, social security and pensions62€541€338▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€328▼
Other operating charges640/8€428€457▲
Gross operating margin9900€-16k€-3k▲
Operating profit (loss)9901€-19k€-4k▲
Financial income75/76B€0€107▲
Recurring financial income75€0€107▲
Financial charges65/66B€181€249▲
Recurring financial charges65€181€249▲
Profit (loss) for the period before taxes9903€-19k€-4k▲
Profit (loss) for the period9904€-19k€-4k▲
Profit (loss) for the period to be appropriated9905€-19k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-23k▼
Profit (loss) brought forward from the previous period14P-€-19k
Transfer from equity791/2€7k-
Transfer to equity691/2€7k-
To contributions691€6k-
To other reserves6921€775-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Weakest financial yearnet €-19k ▼339%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Honnelles · 1 establishment unit since 2015
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.
Rue Croquet(ATH) 57387 HonnellesGround area
5,208 m²
Building footprint
207 m²
Volume, LiDAR
1,128 m³
Parcel 53004B0065/00A000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CCU Carrelage
since 20152.247.560.670
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53004B0065/00A000 | Wallonia | 5,208 m² | 1 · 207 m² | 6.7 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 11,137 companies in sector 43910 we hold annual accounts for 5,487. 2,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2015
Fiscal year end31-12
Activities, NACEBEL
43910Bricklaying and masonry work
43994Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.
Contact details
1 entryE-mail:corentin.cuvelier@hotmail.com