Active BE 0771.803.363Private limited company

Kareman

Dijkweg 13 ·9031 Gent, Belgium· 5 yrs active

Sector: Food & beverage service (56112)

Conclusion Checked

The computed 12-month bankruptcy probability of Kareman is 3.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 1070 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€27k
Net result	€20k
Staff (FTE)	3.7
Better than sector	36%

Snowflake analysis 5 axes · computed by Checked

67 / 100

Strong profile, led by profitability.

Health 51

Profitability 100

Solvency 11

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.6% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Young company +Annual accounts: healthy financial profile −

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

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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 2025 · computed

51 / 100 Fair

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~45% of the level (threshold 35%). We therefore deliberately show no projection line.

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 2025 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	13.0%	26.0%	better than 36% of 1070 sector peers
Net result	€20k	€7k	better than 68% of 1071 sector peers
Equity	€27k	€23k	better than 53% of 1073 sector peers
Gross operating margin	€110k	€64k	better than 66% of 1067 sector peers
Staff costs	€61k	€52k	higher than 55% of 781 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€48k

+293.7% far above sector median

Net profit

€20k

- far above sector median

Cash flow

€40k

+354.9% far above sector median

Total assets

€208k

+88.2% +271% vs sector

Equity

€27k

+318.0% +2% vs sector

Working capital

€-33k

-291.8% far below sector median

Employees (FTE)

4

+2.8% -70% vs sector

Staff costs

€61k

+79.5% -89% vs sector

Income taxes

€4k

+2762.8% far above sector median

Debt

€181k

+74.0% far above sector median

Debt ≤ 1y

€83k

+107.9% +211% vs sector

Debt > 1y

€98k

+52.9% -63% vs sector

Current ratio

0.60

-24.0% -55% vs sector

Quick ratio

0.53

-18.7% -47% vs sector

Solvency

13.0%

+122.1% -70% vs sector

Debt / equity

6.71

-58.4% far above sector median

ROE

76.1%

- far above sector median

ROA

9.9%

- +15% vs sector

Interest coverage

13.29

+354.9% +122% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€48k
Net profit	€20k
Cash flow	€40k
Staff costs	€61k
Income taxes	€4k
Dividends	-
Total assets	€208k
Equity	€27k
Debt	€181k
of which ≤ 1y	€83k
of which > 1y	€98k
Working capital	€-33k
Employees (FTE)	3.7

Ratios (computed)

	2025
Current ratio	0.60
Quick ratio	0.53
Working capital ratio	-16.0%
Solvency	13.0%
Debt / equity	6.71
Long-term debt ratio	3.64
Interest coverage	13.29
Gross margin	-
Net margin	-
ROA	9.9%
ROE	76.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €158k · 76.2% Current assets €49k · 23.8%

Equity & liabilities

Equity €27k · 13.0% Debt €181k · 87.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€208k
Fixed assets	21/28	€158k
Intangible fixed assets	21	€14k
Tangible fixed assets	22/27	€138k
Financial fixed assets	28	€6k
Current assets	29/58	€49k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€39k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€208k
Equity	10/15	€27k
Contributions / capital	10/11	€10k
Reserves	13	€17k
Amounts payable	17/49	€181k
Amounts payable after one year	17	€98k
Amounts payable within one year	42/48	€83k
Trade debts payable within one year	44	€14k
Income statement
Gross operating margin	9900	€110k
Operating result	9901	€28k
Financial income	75	€189
Financial charges	65	€4k
Result before taxes	9903	€24k
Income taxes	67/77	€4k
Net result for the period	9904	€20k
Result to be appropriated	9905	€20k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Food & beverage service(56112)
Legal form	Private limited company(610)
Incorporation	28-07-2021
Status	Active
Postal code	9031

Establishment units 1 location

Kareman BV

Kortrijksesteenweg 97, 9830 Sint-Martens-LatemActiviteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden

since 20212.320.806.756

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.
44002B0034/00W005	Flanders	1,349 m²	1 · 137 m²	8.2 m · 2 fl.
44064B0687/00L000	Flanders	1,035 m²	1 · 79 m²	9.2 m · 2 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 5 events

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

2026

30-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

29-01-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

25-06-2024

State Gazette act Director changes

31-01-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

31-01-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

25-06-2024 3 directors appointed, 1 resigning Director changes

Yves Van Cauwenberge, Vaste vertegenwoordiger
Vincent Van Cauwenberge, Bestuurder
Yves Van Cauwenberge, Dagelijks bestuur
Jean Kareman, Bestuurder

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Activities

Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112

Primary activity highlighted.

Names & trade names

Legal nameNL

Kareman

Registered office

Dijkweg 13

9031 Gent, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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