KARBLO
ActiveKARBLO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €18k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+45
Solvency94▲+15
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.09 against 2.58 in 2024; short-term debt: 28.2% and cash: 52.3% of total assets), and 30.9% 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
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 dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
69.1%
Return on assets
28.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-11-2025, 65 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
65 d early
2024
66 d early
2023
58 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 71.6%
2024 · €25k
2023: €29k
2024: €25k
2023 → 2025
Total assets
€61k▲ 35.2%
2024 · €45k
2023: €73k
2024: €45k
2023 → 2025
Net result
€18k
2024 · €-4k
2023: €32k
2024: €-4k
2023 → 2025
Working capital
€36k▲ 91.2%
2024 · €19k
2023: €23k
2024: €19k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€29k-€25k▼ 15.4%€42k▲ 71.6%
Operating result€40k-€-4k€22k
Net result€32k-€-4k€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€8k▼ 45.3%
Current assets
€53k▲ 72.9%
Equity and liabilities €61k
Equity
€42k▲ 71.6%
Debt
€19k▼ 8.3%
The debt ratio falls from 45.5% to 30.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €3k
Cash flow
€24k▲
2024 · €2k
Solvency
69.1%▲
2024 · 54.5%
Current ratio
3.09▲
2024 · 2.58
Quick ratio
3.09▲
2024 · 2.58
Debt / equity
0.45▼
2024 · 0.84
ROE
41.7%▲
2024 · -18.2%
ROA
28.8%▲
2024 · -9.9%
Interest coverage
70.53▲
2024 · 5.84
Debt
€19k▼
2024 · €21k
Debt ≤ 1 year
€17k▲
2024 · €12k
Debt > 1 year
€2k▼
2024 · €8k
Income taxes
€4k▲
2024 · €126
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€45k€61k▲
Fixed assets21/28€14k€8k▼
Tangible fixed assets22/27€14k€8k▼
Plant, machinery and equipment23€217€0▼
Leasing and similar rights25€14k€8k▼
Current assets29/58€31k€53k▲
Amounts receivable within one year40/41€18k€20k▲
Trade receivables40€18k€20k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€13k€32k▲
Deferred charges and accrued income490/1€571€1k▲
Equity and liabilities
Total equity and liabilities10/49€45k€61k▲
Equity10/15€25k€42k▲
Contributions10/11€5k€5k=
Reserves13€20k€37k▲
Distributable reserves133€20k€37k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€21k€19k▼
Amounts payable after more than one year17€8k€2k▼
Financial debts170/4€8k€2k▼
Amounts payable within one year42/48€12k€17k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€738€153▼
Suppliers440/4€738€153▼
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€5k€11k▲
Other amounts payable47/48€26€26=
Accrued charges and deferred income492/3€470€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€4k€29k▲
Operating profit (loss)9901€-4k€22k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€461€397▼
Recurring financial charges65€461€397▼
Profit (loss) for the period before taxes9903€-4k€21k▲
Income taxes67/77€126€4k▲
Profit (loss) for the period9904€-4k€18k▲
Profit (loss) for the period to be appropriated9905€-4k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€18k▲
Transfer from equity791/2€4k€0▼
Transfer to equity691/2€0€18k▲
To other reserves6921€0€18k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-4k ▼114%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lochristi · 1 establishment unit since 2021
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.
Ruwaardhof 179080 LochristiGround area
430 m²
Building footprint
84 m²
Parcel 44076C0454/00N003, Flanders. Linked by address, not a title deed.
1 establishment unit
KARBLO
since 20212.321.083.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44076C0454/00N003 | Flanders | 430 m² | 1 · 84 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 575 EUR awarded · 575 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 449 EUR | 449 EUR |
| 2022 | 1 | 126 EUR | 126 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,906. 4,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2021
Fiscal year end30-06
Trade name NL
Vastgoed Evy
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.