CHEZ CARINE
ActiveSummary
The computed 12-month bankruptcy probability of CHEZ CARINE is 2.0% (moderate). The 2025 annual accounts show equity of €17k and a net result of €11k. Equity is growing by ~102.3% per year across the filed fiscal years. Its solvency ranks better than 29% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-7
Solvency34▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.9 in 2024; short-term debt: 72.5% and cash: 24.3% of total assets), and 90.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
30 d late
2024
3 d early
2023
on the day
2022
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 191%
2024 · €6k
2022: €-32k
2023: €-15k
2024: €6k
2022 → 2025
Total assets
€177k▼ 4.9%
2024 · €186k
2022: €218k
2023: €201k
2024: €186k
2022 → 2025
Net result
€11k▼ 48.3%
2024 · €21k
2022: €-42k
2023: €17k
2024: €21k
2022 → 2025
Working capital
€-4k▲ 66.3%
2024 · €-12k
2022: €-45k
2023: €-26k
2024: €-12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-32k-€-15k▲ 51.8%€6k€17k▲ 191%
Operating result€-35k-€25k€32k▲ 27.3%€23k▼ 27.5%
Net result€-42k-€17k€21k▲ 27.5%€11k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€53k ▼ 31.3%
Current assets
€124k ▲ 13.6%
Equity and liabilities €177k
Equity
€17k ▲ 191%
Debt
€160k ▼ 11.1%
Debt's share of the balance-sheet total falls from 96.9% to 90.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▼
2024 · €60k
Cash flow
€35k▼
2024 · €49k
Current ratio
0.97▲
2024 · 0.90
Debt to equity
9.67▼
2024 · 31.68
ROE
65.7%▼
2024 · 370.3%
ROA
6.2%▼
2024 · 11.3%
Interest coverage
6.50▼
2024 · 6.80
Debt ≤ 1 year
€128k▲
2024 · €122k
Debt > 1 year
€32k▼
2024 · €59k
Income taxes
€9k▲
2024 · €5k
Staff costs
€189k▲
2024 · €188k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€186k€177k▼
Fixed assets21/28€77k€53k▼
Intangible fixed assets21€55k€40k▼
Tangible fixed assets22/27€21k€12k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€291€154▼
Other tangible fixed assets26€16k€9k▼
Financial fixed assets28€693€693=
Current assets29/58€109k€124k▲
Amounts receivable within one year40/41€72k€78k▲
Trade receivables40€12k€0▼
Other amounts receivable41€60k€78k▲
Cash at bank and in hand54/58€37k€43k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€186k€177k▼
Equity10/15€6k€17k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-4k€7k▲
Amounts payable17/49€181k€160k▼
Amounts payable after more than one year17€59k€32k▼
Financial debts170/4€59k€32k▼
Amounts payable within one year42/48€122k€128k▲
Current portion of amounts payable after more than one year42€31k€27k▼
Trade debts44€46k€69k▲
Suppliers440/4€46k€69k▲
Taxes, remuneration and social security45€45k€33k▼
Taxes450/3€17k€13k▼
Remuneration and social security454/9€28k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€188k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€24k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€252k€242k▼
Operating profit (loss)9901€32k€23k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€26k€20k▼
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€21k€11k▼
Profit (loss) for the period to be appropriated9905€21k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€7k▲
Profit (loss) brought forward from the previous period14P€-25k€-4k▲
The notes to these accounts (13 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2022net €21k ▲27.5%
Operating result €32k, net result €21k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Seraing · 1 establishment unit since 2021
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.
Place des Verriers 74100 SeraingGround area
870 m²
Building footprint
92 m²
Volume, LiDAR
1,061 m³
Parcel 62353D0286/00C027, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ CARINE
since 20212.320.594.346
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0286/00C027 | Wallonia | 870 m² | 1 · 92 m² | 12.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSeraing2.320.594.346
Similar companies · same sector, comparable size
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BCMT
BE 0778.342.945
Clavier · Eq €16,457
DE BEENHOUWERS - TRAITEUR
BE 0863.359.188
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AU COMPTOIR DES COLLINES
BE 0478.453.191
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,564. 950 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end30-06
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
46389Wholesale of other food products
47210Retail sale of fruit and vegetables
47271Retail trade
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.