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Generated 26-07-2026
Active BE 0448.507.907Public limited company

KARA-IMMO

Legrellestraat 40 ·2590 Berlaar, Belgium· 33 yrs active
Sector: NACE 82990 (82990)
Conclusion Checked

The computed 12-month bankruptcy probability of KARA-IMMO is 0.2% (very low). The 2024 annual accounts show equity of €1.69M and a net result of €267k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 67% of 425 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €1.69M
Net result €267k
Better than sector 67%
Active 33 yrs
Snowflake analysis 5 axes · computed by Checked
Health71Profitability79Solvency64Growth78Stability100
78 / 100

Exceptional profile, strong across almost every axis.

Health 71
Profitability 79
Solvency 64
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1992, 33 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
71 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 04-08-2025 with the NBB · fiscal year 2024 · verkort
€0€100k€200k€300kOperating result 2020: €233k€233kNet result 2020: €281k€281kOperating result 2021: €208k€208kNet result 2021: €250k€250kOperating result 2022: €99k€99kNet result 2022: €60k€60kOperating result 2023: €31k€31kNet result 2023: €26k€26kOperating result 2024: €19k€19kNet result 2024: €267k€267k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~14.1%/year over 7 fiscal years, indicative, assuming unchanged policy.
€500k€1.00M€1.50M€2.00M€2.50M2025: €1.88M (€1.75M - €2.02M)2026: €2.07M (€1.92M - €2.23M)2027: €2.27M (€2.05M - €2.48M)2018: €513k2019: €727k2020: €1.11M2021: €1.36M2022: €1.42M2023: €1.44M2024: €1.69M2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 54.8% 33.7%
better than 67% of 425 sector peers
Net result €267k €34k
better than 86% of 425 sector peers
Equity €1.69M €108k
better than 90% of 425 sector peers
Gross operating margin €83k €88k
better than 49% of 421 sector peers
Total assets €3.08M €610k
better than 85% of 425 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€76k
-23.3% far above sector median
Net profit
€267k
+932.2% far above sector median
Cash flow
€324k
+246.5% far above sector median
Total assets
€3.08M
-3.5% far above sector median
Equity
€1.69M
+17.1% far above sector median
Working capital
€-480k
+21.5% far below sector median
Income taxes
€11k
-31.3% far above sector median
Debt
€1.23M
-22.1% far above sector median
Debt ≤ 1y
€763k
-19.5% far above sector median
Debt > 1y
€470k
-26.0% far above sector median
Current ratio
0.37
+4.4% -72% vs sector
Quick ratio
0.37
+4.4% -69% vs sector
Solvency
54.8%
+21.3% +25% vs sector
Debt / equity
0.73
-33.5% +8% vs sector
ROE
15.8%
+781.5% far above sector median
ROA
8.7%
+969.3% far above sector median
Interest coverage
5.66
-4.2% +214% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€76k
Net profit€267k
Cash flow€324k
Staff costs-
Income taxes€11k
Dividends-
Total assets€3.08M
Equity€1.69M
Debt€1.23M
of which ≤ 1y€763k
of which > 1y€470k
Working capital€-480k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.37
Quick ratio0.37
Working capital ratio-15.6%
Solvency54.8%
Debt / equity0.73
Long-term debt ratio0.28
Interest coverage5.66
Gross margin-
Net margin-
ROA8.7%
ROE15.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€3.08M
Fixed assets 21/28€2.80M
Tangible fixed assets 22/27€846k
Financial fixed assets 28€1.95M
Current assets 29/58€283k
Amounts receivable within one year 40/41€281k
Cash & bank 54/58€259
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.08M
Equity 10/15€1.69M
Contributions / capital 10/11€402k
Reserves 13€771k
Accumulated profits (losses) 14€516k
Provisions & deferred taxes 16€158k
Amounts payable 17/49€1.23M
Amounts payable after one year 17€470k
Amounts payable within one year 42/48€763k
Income statement
Gross operating margin 9900€83k
Operating result 9901€19k
Financial income 75€245k
Financial charges 65€13k
Result before taxes 9903€251k
Income taxes 67/77€11k
Net result for the period 9904€267k
Result to be appropriated 9905€267k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary 82990
Legal form Public limited company(014)
Incorporation23-10-1992
StatusActive
Postal code2590
Establishment units 1 location
Baalsesteenweg 12, 3130 Begijnendijk
Verhuur van woningen, exclusief sociale woningen
since 19932.060.647.907
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12002B0169/00S000 Flanders 4,374 m² 1 · 1,151 m² 7.5 m · 2 fl.
24007A0310/00G000 Flanders 2,284 m² 1 · 1,058 m² 8.5 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
04-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
03-03-2025
State Gazette act Director changes
UHELEN
2024
12-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
25-06-2024
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
31-10-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
31-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
28-07-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
19-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
01-11-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
30-09-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
30-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
03-03-2025 3 reappointed Director changes·UHELEN
  • KARAMAN Enderuz, Bestuurder
  • KARAMAN Minas, Bestuurder
  • KARAMAN Noël, Bestuurder
Notary: UHELEN
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "KARAMAN Enderuz",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering beslist om volgende personen te herbenoemen: - KARAMAN Enderuz, als bestuurder en gedelegeerd bestuurder",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "KARAMAN Minas",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering beslist om volgende personen te herbenoemen: - KARAMAN Minas, als bestuurder en gedelegeerd bestuurder",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "KARAMAN No\u00EBl",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De vergadering beslist om volgende personen te herbenoemen: - KARAMAN No\u00EBl, als bestuurder en gedelegeerd bestuurder",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2030"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "UHELEN",
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-03-03",
    "filing_date": "2025-02-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-21",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0448.507.907",
    "name_full": null,
    "legal_form": "NV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Kara-Immo",
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201
Primary activity highlighted.
Names & trade names
Legal nameNL KARA-IMMO
Registered office
Legrellestraat 40
2590 Berlaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative