De Ongeschoeide Karmelietessen
ActiveSummary
De Ongeschoeide Karmelietessen has been active since 1922 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21.32M and a net result of €28k. Equity remains stable across the filed fiscal years (±1.7% per year). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.55M at 30 days acceptable
short-term debt: 0.7% and cash: 5.5% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
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 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
99.3%
Return on assets
0.1%
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 €21.32M
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 10 filingsDeviation from the deadline
2025
52 d late
2024
30 d early
2023
20 d early
2022
42 d early
2021
27 d early
2020
44 d early
2019
32 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28k▼ 97.0%
2024 · €915k
2018: €-1.05M
2019: €521k
2020: €-1.08M
2021: €917k
2022: €-3.22M
2023: €787k
2024: €915k
2018 → 2025
Working capital
€19.13M▲ 9.8%
2024 · €17.42M
2018: €14.76M
2019: €16.30M
2020: €15.31M
2021: €17.30M
2022: €15.09M
2023: €16.47M
2024: €17.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19.17M-€16.74M▼ 12.7%€18.07M▲ 8.0%€19.02M▲ 5.3%€21.32M▲ 12.1%
Operating result€-158k-€-966k▼ 512%€-287k▲ 70.3%€-543k▼ 89.6%€-409k▲ 24.8%
Net result€917k-€-3.22M€787k€915k▲ 16.2%€28k▼ 97.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €409k in 2025 against €543k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21.47M
Fixed assets
€2.19M ▲ 36.7%
Current assets
€19.29M ▲ 3.8%
Equity and liabilities €21.47M
Equity
€21.32M ▲ 12.1%
Debt
€152k ▼ 86.8%
Debt's share of the balance-sheet total falls from 5.7% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-341k▲
2024 · €-541k
Cash flow
€95k▼
2024 · €917k
Debt to equity
0.01▼
2024 · 0.06
ROE
0.1%▼
2024 · 4.8%
ROA
0.1%▼
2024 · 4.5%
Interest coverage
-556.76▼
2024 · -49.59
Debt ≤ 1 year
€152k▼
2024 · €1.15M
Staff costs
€190▼
2024 · €57k
A ratio outside any meaningful range has been withheld (balance sheet total €21.47M, equity €21.32M).
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20.18M€21.47M▲
Fixed assets21/28€1.60M€2.19M▲
Tangible fixed assets22/27€1.60M€2.19M▲
Land and buildings22€1.59M€2.18M▲
Furniture and vehicles24€4k€2k▼
Current assets29/58€18.58M€19.29M▲
Amounts receivable within one year40/41-€830
Other amounts receivable41-€830
Current investments50/53€18.10M€18.08M▼
Cash at bank and in hand54/58€453k€1.18M▲
Deferred charges and accrued income490/1€22k€22k▲
Equity and liabilities
Total equity and liabilities10/49€20.18M€21.47M▲
Equity10/15€19.02M€21.32M▲
Contributions10/11€19.02M€21.29M▲
Capital10€19.02M€21.29M▲
Profit (loss) carried forward14-€28k
Amounts payable17/49€1.15M€152k▼
Amounts payable within one year42/48€1.15M€152k▼
Trade debts44€44k€147k▲
Suppliers440/4€44k€147k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€190▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€67k▲
Other operating charges640/8€114k€111k▼
Gross operating margin9900€-370k€-230k▲
Operating profit (loss)9901€-543k€-409k▲
Financial income75/76B€1.47M€437k▼
Recurring financial income75€1.47M€437k▼
Financial charges65/66B€11k€613▼
Recurring financial charges65€11k€613▼
Profit (loss) for the period before taxes9903€915k€28k▼
Profit (loss) for the period9904€915k€28k▼
Profit (loss) for the period to be appropriated9905€915k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€915k€28k▼
To contributions691€915k-
Social balance
Average headcount (FTE)90870.5-
The notes to these accounts (6 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 52 days late
2025
31-12
Financial
Liquidity times 8current ratio 126.80
Current ratio from 16.09 to 126.80; short-term debt falls from €1.15M to €152k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €787k
Net result €787k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-3.22M ▼451%
Net result drops to €-3.22M, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €917k
Net result €917k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €521k
Net result €521k after one loss-making year.
Show earlier events
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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.
Directors · office · real estate
Directors
10 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, Gent
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.
Burgstraat 469000 GentGround area
6,079 m²
Building footprint
3,053 m²
Volume, LiDAR
44,295 m³
Parcel 44815F3334/00F000, Flanders · tallest building 37.4 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F3334/00F000 ProtectedArchaeological site · MonumentKerk en klooster der Ongeschoeide Karmelieten of discalsen: kerkSource ↗ |
Flanders | 6,079 m² | 1 · 3,053 m² | 37.4 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 92,828 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 64,121 EUR | 0 EUR |
| 2023 | 1 | 28,707 EUR | 0 EUR |
Schemes
Erfgoedpremie voor beschermde monumenten en landschappen - standaardprocedure
Recognitions · licences · registrations
Legal Entity Identifier
967600P9IYFHE67HJ592
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded05-01-1922
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.