Financials
- Fiscal year
- 2024
- Total assets
- €164,796
- Profit
- €16,948
- Solvency
- 99.0%
Total assets▲ 12.1%
Net result
20182024
Summary
ERNST-CAREME is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €163,073 and a net result of €16,948. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 3319 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220NACE 67201
#7 oldest company in Gembloux, Finance and insurance sector1 site
Size
€164,796total assets 2024
- Equity
- €163,073
- Profit
- €16,948
Turnover not published (abridged schema)
Financial health
Financial institution: outside the modelProbability: sector outside the model
Structure
- Parent
- Carême & Walter · 99%
Accounts 67 d overdue0 of 3 deeds read
SignalsA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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
not confirmed
2024
54 d late
2023
68 d early
2022
42 d early
2021
25 d early
2020
47 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Equity above €150,000Eq €163,073 ▲11.6%
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Board & ownership
- Parent
- Carême & Walter · 99%
Timeline
- Events
- 15
- Since
- 2016
- 23-09-2025Annual accounts filed
- 31-12-2024Equity above €150,000
- 24-05-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 11-01-2002
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
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