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KARMAT FR 2001

Active
Private limited companyfounded 2001active for 25 yearsRue Laoureux 21, 4800 Verviers, BelgiumKBO/BCE: BE 0475.202.604
Summary

The annual accounts of KARMAT FR 2001 for financial year 2024 show a net loss of 61% of the equity at the start of that year. The 2024 annual accounts show equity of €27,052 and a net result of -€42,694. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).

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KARMAT FR 2001ActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
“Pour son propre compte, la constitution et la gestion d'un patrimoine immobilier, et la…” (deed in French)
From the articles, 3 activitiesNo NACE code in the KBO yet
Size
€502,459total assets 2024
Equity
€27,052
Loss
-€42,694
Financial health
53 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.2%
Structure
Accounts 79 days overdue1 of 3 deeds read
Why 53raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLatest accounts 77 days late; 3 of the last 3 lateLiquidity: current ratio 0.03, cash €2,743, halvedNo registered site in the KBOlowers riskSize: total assets €472,022Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 15% of its sector peers (no NACE code, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency 30-30
equity 5.4% of total assets
Liquidity 50+14
short-term debt 29.5% · cash 10.1%
Profitability 8-76
return on assets -8.5%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.9% 12-2024: 1.9%● unchanged vs 11-2024 01-2025: 1.9%● unchanged vs 12-2024 02-2025: 1.9%● unchanged vs 01-2025 03-2025: 1.9%● unchanged vs 02-2025 04-2025: 1.9%● unchanged vs 03-2025 05-2025: 1.9%● unchanged vs 04-2025 06-2025: 2.1%▲ +0.2 percentage points vs 05-2025 07-2025: 2.4%▲ +0.3 percentage points vs 06-2025 08-2025: 3.4%▲ +1.0 percentage point vs 07-2025 09-2025: 3.8%▲ +0.4 percentage points vs 08-2025highest value 10-2025: 1.8%▼ -2.0 percentage points vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 2.0%▲ +0.2 percentage points vs 12-2025 02-2026: 2.0%● unchanged vs 01-2026 03-2026: 2.1%▲ +0.1 percentage points vs 02-2026 04-2026: 2.0%▼ -0.1 percentage points vs 03-2026 05-2026: 1.9%▼ -0.1 percentage points vs 04-2026 06-2026: 2.2%▲ +0.3 percentage points vs 05-2026 07-2026: 2.2%● unchanged vs 06-2026 08-2026: 3.1%▲ +0.9 percentage points vs 07-2026 09-2026: 3.1%● unchanged vs 08-2026 10-2026: 1.2%▼ -1.9 percentage points vs 09-2026lowest value
Credit of up to €1,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.36, compared with 0.04 in 2023, below 1; short-term debt: 29.5% and cash: 10.1% of total assets), and 94.6% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 16% on solvency, 21% on liquidity, 18% on profitability and 5% on growth.

The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €472,022
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Latest accounts 77 days late; 3 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 0.03, cash €2,743, halved
NBB · annual accounts
raises risk · No registered site in the KBO
KBO · seat and establishments
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 79 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline18-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
61 days late
2023
61 days late
2022
60 days late
2021
88 days late
2020
61 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 70 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Purpose · Amendment of the articles…Purpose change
  3. Weakest financial yearnet -€42,694

Key points

  • Caution: From profit to loss in 2024after €25,109 in 2023 -€42,694 View
  • Caution: Accounts not fileddeadline was 31-07-2026 79 days late View
  • Active since 2001founded 05-07-2001 25 years View

By topic

Financials

Financial year
2024
Total assets
€502,459
Loss
-€42,694
Solvency
5.4%
Total assets▲ 150%
Net result
20182024
Go to Financials

Timeline

Events
28
Since
2003
  1. 30-09-2024Annual accounts filed
  2. 29-09-2023Annual accounts filed
  3. 31-12-2022Highest result from 2018 to 2024
Go to Timeline

Company details

Legal form
Private limited company
Founded
05-07-2001
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Articles of association

Provisions read
1
Purpose
“Pour son propre compte, la constitution et la gestion d'un patrimoine immobilier, et la…” (deed in French)
Go to Articles of association

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