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Karaf

Active
Private limited companyfounded 20233 yrs activeKalkestraat 33, 1745 Opwijk, BelgiumKBO/BCE: BE 0798.747.785
Summary

Karaf has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49,304 and a net result of €44,304. Its solvency ranks better than 75% of 37969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
Axes
Profitability100
Solvency100
Growth-
Track record79
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 4.31; short-term debt: 20.2% and cash: 61% of total assets), and 20.2% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2024
22 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 22 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 22 February 2023, Karaf was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€49,304
Total assets
€61,792
Net result
€44,304
Working capital
€41,303

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €61,792
Fixed assets €8,000
Current assets €53,791
Equity and liabilities €61,792
Equity €49,304
Debt €12,488
Debt finances 20.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€59,377
Cash flow
€47,224
Current ratio
4.31
Debt to equity
0.25
ROE
89.9%
ROA
71.7%
Interest coverage
520.16
Debt ≤ 1 year
€12,488
Income taxes
€12,050

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 39 lines
Balance sheet Code2024
Assets
Total assets20/58€61,792
Fixed assets21/28€8,000
Intangible fixed assets21€70
Tangible fixed assets22/27€7,931
Land and buildings22€1,399
Plant, machinery and equipment23€2,504
Furniture and vehicles24€4,028
Current assets29/58€53,791
Amounts receivable within one year40/41€14,189
Trade receivables40€14,189
Cash at bank and in hand54/58€37,700
Deferred charges and accrued income490/1€1,902
Equity and liabilities
Total equity and liabilities10/49€61,792
Equity10/15€49,304
Contributions10/11€5,000
Reserves13€44,304
Distributable reserves133€44,304
Amounts payable17/49€12,488
Amounts payable within one year42/48€12,488
Trade debts44€1,797
Suppliers440/4€1,797
Taxes, remuneration and social security45€4,333
Taxes450/3€4,333
Other amounts payable47/48€6,357
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,920
Other operating charges640/8€2,926
Gross operating margin9900€62,302
Operating profit (loss)9901€56,456
Financial income75/76B€12
Recurring financial income75€12
Financial charges65/66B€114
Recurring financial charges65€114
Profit (loss) for the period before taxes9903€56,354
Income taxes67/77€12,050
Profit (loss) for the period9904€44,304
Profit (loss) for the period to be appropriated9905€44,304
Appropriation of the result
Profit (loss) to be appropriated9906€44,304
Transfer to equity691/2€44,304
To other reserves6921€44,304

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,920
Other operating charges640/8€2,926
Gross operating margin9900€62,302
Operating profit (loss)9901€56,456
Financial income75/76B€12
Recurring financial income75€12
Financial charges65/66B€114
Recurring financial charges65€114
Profit (loss) for the period before taxes9903€56,354
Income taxes67/77€12,050
Profit (loss) for the period9904€44,304
Profit (loss) for the period to be appropriated9905€44,304
Line2024
Assets
Total assets20/58€61,792
Fixed assets21/28€8,000
Intangible fixed assets21€70
Tangible fixed assets22/27€7,931
Land and buildings22€1,399
Plant, machinery and equipment23€2,504
Furniture and vehicles24€4,028
Current assets29/58€53,791
Amounts receivable within one year40/41€14,189
Trade receivables40€14,189
Cash at bank and in hand54/58€37,700
Deferred charges and accrued income490/1€1,902
Equity and liabilities
Total equity and liabilities10/49€61,792
Equity10/15€49,304
Contributions10/11€5,000
Reserves13€44,304
Distributable reserves133€44,304
Amounts payable17/49€12,488
Amounts payable within one year42/48€12,488
Trade debts44€1,797
Suppliers440/4€1,797
Taxes, remuneration and social security45€4,333
Taxes450/3€4,333
Other amounts payable47/48€6,357
Line2024
Profit (loss) for the period9904€44,304
+ Depreciation and write-downs630€2,920
Operating cash flow (approximation)€47,224

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
09-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Opwijk · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
578 m²
Building footprint
108 m²
Volume, LiDAR
573 m³
Parcel 23752F0215/00W000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Karaf
Kalkestraat 33, 1745 OpwijkSupport activities for crop production
since 20232.342.164.770
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23752F0215/00W000 Flanders 578 m² 1 · 108 m² 9.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 38,146 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
81300Landscape service activities
Contact
Website www.karaf.be
E-mail joris@karaf.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0798747785
Also 9925:BE0798747785
Registered 20-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.