DI CARA
ActiveDI CARA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €-15k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
59
/ 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
Profitability63▼-15
Solvency59▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.35 in 2024; short-term debt: 49.9% and cash: 20.1% of total assets), and 66.2% 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+raises risk○neutral
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 →
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
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 2025Solvency, return and age of the figures
Solvency
33.8%
Return on assets
-5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
14 d early
2023
22 d early
2022
31 d early
2021
2 d early
2020
14 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-15k
2024 · €24k
2018: €-9k
2019: €25k
2020: €4k
2021: €15k
2022: €8k
2023: €21k
2024: €24k
2018 → 2025
Working capital
€39k▼ 22.7%
2024 · €51k
2018: €64k
2019: €77k
2020: €77k
2021: €81k
2022: €67k
2023: €72k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€96k▼ 2.0%€104k▲ 8.5%€115k▲ 10.9%€100k▼ 12.8%
Operating result€20k-€12k▼ 40.0%€34k▲ 180%€39k▲ 16.4%€-1k
Net result€15k-€8k▼ 45.8%€21k▲ 157%€24k▲ 15.6%€-15k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €39k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€110k▼ 13.5%
Current assets
€187k▼ 3.6%
Equity and liabilities €297k
Equity
€100k▼ 12.8%
Debt
€197k▼ 4.5%
The debt ratio rises from 64.1% to 66.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €78k
Cash flow
€15k▼
2024 · €63k
Solvency
33.8%▼
2024 · 35.9%
Current ratio
1.26▼
2024 · 1.35
Quick ratio
1.26▼
2024 · 1.35
Debt / equity
1.96▲
2024 · 1.79
ROE
-14.7%▼
2024 · 20.7%
ROA
-5.0%▼
2024 · 7.4%
Interest coverage
6.55▼
2024 · 19.07
Debt
€197k▼
2024 · €206k
Debt ≤ 1 year
€148k▲
2024 · €144k
Debt > 1 year
€49k▼
2024 · €62k
Income taxes
€217▼
2024 · €12k
Staff costs
€145k▲
2024 · €126k
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€322k€297k▼
Fixed assets21/28€127k€110k▼
Tangible fixed assets22/27€127k€110k▼
Plant, machinery and equipment23€887€257▼
Furniture and vehicles24€126k€110k▼
Current assets29/58€194k€187k▼
Amounts receivable within one year40/41€145k€128k▼
Trade receivables40€141k€122k▼
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€49k€60k▲
Equity and liabilities
Total equity and liabilities10/49€322k€297k▼
Equity10/15€115k€100k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€95k€80k▼
Amounts payable17/49€206k€197k▼
Amounts payable after more than one year17€62k€49k▼
Financial debts170/4€62k€49k▼
Amounts payable within one year42/48€144k€148k▲
Current portion of amounts payable after more than one year42€21k€28k▲
Trade debts44€65k€82k▲
Suppliers440/4€63k€80k▲
Bills of exchange payable441€2k€2k=
Taxes, remuneration and social security45€55k€38k▼
Taxes450/3€19k€6k▼
Remuneration and social security454/9€36k€32k▼
Other amounts payable47/48€3k€421▼
Income statement
Code20242025
Remuneration, social security and pensions62€126k€145k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€30k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€208k€184k▼
Operating profit (loss)9901€39k€-1k▼
Financial income75/76B€55€318▲
Recurring financial income75€55€318▲
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€4k▲
Non-recurring financial charges66B-€9k
Profit (loss) for the period before taxes9903€35k€-15k▼
Income taxes67/77€12k€217▼
Profit (loss) for the period9904€24k€-15k▼
Profit (loss) for the period to be appropriated9905€24k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€80k▼
Profit (loss) brought forward from the previous period14P€83k€95k▲
Profit to be distributed694/7€13k-
Return on contributions (dividend)694€13k-
The notes to these accounts (7 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-15k ▼162%
Net result drops to €-15k, the lowest in the series.
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €104k ▲8.5%
5 profitable years in a row build equity to €104k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2014
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 Pétrias(NAL) 346120 Ham-sur-Heure-NalinnesGround area
884 m²
Building footprint
151 m²
Volume, LiDAR
1,006 m³
Parcel 56058A0900/00L002, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DI CARA
since 20142.225.852.070
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058A0900/00L002 | Wallonia | 884 m² | 1 · 151 m² | 8.9 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.
Similar companies · same sector, comparable size
V.Design
BE 0795.342.293
Heusden-Zolder · Eq €101k
MEUBART-L
BE 0698.996.252
Diest · Eq €101k
UBEJT CONSTRUCT
BE 0825.464.753
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VITRERIE HEEREN
BE 1000.400.491
Verviers · Eq €97k
GLASS SERVICE ISOLATION
BE 0425.051.030
Lessines · Eq €97k
Of 489 companies in sector 43343 we hold annual accounts for 294. 243 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2014
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43343Specialised construction activities
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.