KARIMAT
ActiveSummary
The computed 12-month bankruptcy probability of KARIMAT is 4.2% (elevated). The 2025 annual accounts show negative equity (-€11,205) and a net result of -€2,318. Equity is shrinking by ~48.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 10485 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth22=
Track record100
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€11,205
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
36 d early
2024
32 d early
2023
on the day
2022
15 d early
2021
18 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Turnover
€512▼ 59.2%
2024 · €1,255
EBIT margin
-452.7%▼ 217.1pp
2024 · -235.5%
Net result
-€2,318▲ 24.3%
2024 · -€3,063
Working capital
-€11,362▼ 25.6%
2024 · -€9,044
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€11,671-€4,044▼ 65.3%€4,047▲ 0.1%€1,255▼ 69.0%€512▼ 59.2%
Operating result-€1,045--€3,699▼ 254%-€2,247▲ 39.3%-€2,956▼ 31.6%-€2,318▲ 21.6%
Net result-€1,150within the sector's middle half--€3,777within the sector's middle half▼ 229%-€2,398within the sector's middle half▲ 36.5%-€3,063within the sector's middle half▼ 27.7%-€2,318below the sector's middle half▲ 24.3%
EBIT margin-9.0%--91.5%▼ 82.5pp-55.5%▲ 35.9pp-235.5%▼ 180.0pp-452.7%▼ 217.1pp
Equity€350below the sector's middle half--€3,426below the sector's middle half-€5,824below the sector's middle half▼ 70.0%-€8,887below the sector's middle half▼ 52.6%-€11,205below the sector's middle half▼ 26.1%
Total assets€4,520below the sector's middle half-€5,654below the sector's middle half▲ 25.1%€3,448below the sector's middle half▼ 39.0%€489below the sector's middle half▼ 85.8%€754below the sector's middle half▲ 54.2%
Debt€4,169-€9,080▲ 118%€9,272▲ 2.1%€9,376▲ 1.1%€11,959▲ 27.6%
Working capital-€666--€4,107▼ 516%-€6,201▼ 51.0%-€9,044▼ 45.8%-€11,362▼ 25.6%
Solvency-60.6%below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,318 in 2025 against €2,956 in 2024; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€11,959▲
2024 · €9,376
Ratios withheld: a balance sheet total of €754 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.6% |
| 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 74% 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 6,035 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €11,671 | €4,044 | €4,047 | €1,255 | €512 | ▼ 59.2% |
| Goods, raw materials, services and sundry goods60/61 | €16,269 | €7,233 | €5,882 | €3,809 | €2,257 | ▼ 40.7% |
| Remuneration, social security and pensions62 | - | €25 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €433 | €336 | €303 | €220 | - | - |
| Other operating charges640/8 | €101 | €150 | €109 | €182 | €573 | ▲ 215% |
| Gross operating margin9900 | -€511 | -€3,188 | -€1,835 | -€2,554 | -€1,745 | ▲ 31.7% |
| Operating profit (loss)9901 | -€1,045 | -€3,699 | -€2,247 | -€2,956 | -€2,318 | ▲ 21.6% |
| Financial income75/76B | €1 | €5 | - | - | - | - |
| Recurring financial income75 | €1 | €5 | - | - | - | - |
| Financial charges65/66B | €106 | €82 | €151 | €107 | - | - |
| Recurring financial charges65 | €106 | €82 | €151 | €107 | - | - |
| Profit (loss) for the period before taxes9903 | -€1,150 | -€3,777 | -€2,398 | -€3,063 | -€2,318 | ▲ 24.3% |
| Profit (loss) for the period9904 | -€1,150 | -€3,777 | -€2,398 | -€3,063 | -€2,318 | ▲ 24.3% |
| Profit (loss) for the period to be appropriated9905 | -€1,150 | -€3,777 | -€2,398 | -€3,063 | -€2,318 | ▲ 24.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4,520 | €5,654 | €3,448 | €489 | €754 | ▲ 54.2% |
| Formation expenses20 | €818 | €598 | €377 | €157 | €157 | = |
| Fixed assets21/28 | €199 | €83 | - | - | - | - |
| Tangible fixed assets22/27 | €199 | €83 | - | - | - | - |
| Plant, machinery and equipment23 | €199 | €83 | - | - | - | - |
| Current assets29/58 | €3,503 | €4,974 | €3,071 | €332 | €597 | ▲ 79.9% |
| Amounts receivable within one year40/41 | €3,051 | €4,296 | €2,724 | €142 | €594 | ▲ 317% |
| Trade receivables40 | - | €639 | €35 | €35 | €557 | ▲ 1,487% |
| Other amounts receivable41 | €3,051 | €3,657 | €2,689 | €107 | €37 | ▼ 65.7% |
| Cash at bank and in hand54/58 | €438 | €636 | €347 | €189 | €3 | ▼ 98.2% |
| Deferred charges and accrued income490/1 | €14 | €42 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4,520 | €5,654 | €3,448 | €489 | €754 | ▲ 54.2% |
| Equity10/15 | €350 | -€3,426 | -€5,824 | -€8,887 | -€11,205 | ▼ 26.1% |
| Contributions10/11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Outside capital11 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Other1109/19 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Profit (loss) carried forward14 | -€1,150 | -€4,926 | -€7,324 | -€10,387 | -€12,705 | ▼ 22.3% |
| Amounts payable17/49 | €4,169 | €9,080 | €9,272 | €9,376 | €11,959 | ▲ 27.6% |
| Amounts payable within one year42/48 | €4,169 | €9,080 | €9,272 | €9,376 | €11,959 | ▲ 27.6% |
| Trade debts44 | €494 | €800 | €29 | €164 | €841 | ▲ 413% |
| Suppliers440/4 | €494 | €800 | €29 | €164 | €841 | ▲ 413% |
| Taxes, remuneration and social security45 | €2,576 | €2,886 | €2,696 | - | - | - |
| Taxes450/3 | €2,576 | €2,886 | €2,696 | - | - | - |
| Other amounts payable47/48 | €1,100 | €5,394 | €6,548 | €9,212 | €11,118 | ▲ 20.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,150 | -€3,777 | -€2,398 | -€3,063 | -€2,318 | ▲ 24.3% |
| + Depreciation and write-downs630 | €433 | €336 | €303 | €220 | - | - |
| Operating cash flow (approximation) | -€716 | -€3,440 | -€2,095 | -€2,843 | -€2,318 | ▲ 18.5% |
| Investment in fixed assets (approximation) | - | -€220 | - | - | - | - |
| Change in cash | - | €198 | -€289 | -€157 | -€186 | ▼ 18.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€3,777
Net result drops to -€3,777, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Antwerpen · 1 establishment unit since 2020
Ground area
209 m²
Building footprint
102 m²
Volume, LiDAR
717 m³
Parcel 11345B0036/00P004, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KARIPARTS
since 20202.307.065.123
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11345B0036/00P004 | Flanders | 209 m² | 1 · 102 m² | 12.5 m · 3 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
PRO ANTWERP
BE 0700.606.749
Antwerpen · Eq €257
Ets PIERRE SMULDERS
BE 0471.019.429
Sint-Pieters-Leeuw · Eq €1,007
ARAK WELLNESS
BE 0832.337.895
Lier · Eq €1,335
SOLIDURA
BE 1030.317.568
Sint-Niklaas · Eq €2,125
BISLEVEL
BE 0801.711.829
Aartselaar · Eq €2,489
Of 380 companies in sector 47529 we hold annual accounts for 271. 6 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
Founded17-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47529Retail trade
46720Wholesale of motor vehicle parts and accessories
47120Other non-specialised retail sale
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0754568938
Registered
09-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.