KARPE DIEM
ActiveKARPE DIEM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €1k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-15
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 5.74 against 4.85 in 2024; short-term debt: 15.5% and cash: 4.3% of total assets), and 15.6% 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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
84.4%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
29 d late
2022
on the day
2021
25 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 4.2%
2024 · €31k
2018: €18k
2019: €22k
2020: €33k
2021: €26k
2022: €24k
2023: €25k
2024: €31k
2018 → 2025
Total assets
€38k▲ 2.9%
2024 · €37k
2018: €26k
2019: €38k
2020: €56k
2021: €32k
2022: €28k
2023: €33k
2024: €37k
2018 → 2025
Net result
€1k▼ 76.6%
2024 · €6k
2018: €2k
2019: €4k
2020: €25k
2021: €-7k
2022: €-2k
2023: €1k
2024: €6k
2018 → 2025
Working capital
€28k▲ 17.6%
2024 · €24k
2018: €15k
2019: €8k
2020: €16k
2021: €12k
2022: €12k
2023: €19k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€24k▼ 7.7%€25k▲ 4.9%€31k▲ 22.1%€32k▲ 4.2%
Operating result€-7k-€-2k▲ 75.2%€2k€9k▲ 309%€3k▼ 65.8%
Net result€-7k-€-2k▲ 71.5%€1k€6k▲ 373%€1k▼ 76.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€4k▼ 40.3%
Current assets
€34k▲ 13.0%
Equity and liabilities €38k
Equity
€32k▲ 4.2%
Debt
€6k▼ 4.0%
The debt ratio falls from 16.7% to 15.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €12k
Cash flow
€4k▼
2024 · €10k
Solvency
84.4%▲
2024 · 83.3%
Current ratio
5.74▲
2024 · 4.85
Quick ratio
5.66▲
2024 · 4.76
Debt / equity
0.18▼
2024 · 0.20
ROE
4.1%▼
2024 · 18.1%
ROA
3.4%▼
2024 · 15.1%
Interest coverage
20.32▼
2024 · 141.03
Debt
€6k▼
2024 · €6k
Debt ≤ 1 year
€6k▼
2024 · €6k
Income taxes
€1k▼
2024 · €3k
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€37k€38k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€649-
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€30k€34k▲
Stocks and contracts in progress3€539€521▼
Stocks30/36€539€521▼
Amounts receivable within one year40/41€27k€32k▲
Trade receivables40€2k€488▼
Other amounts receivable41€26k€31k▲
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1-€393
Equity and liabilities
Total equity and liabilities10/49€37k€38k▲
Equity10/15€31k€32k▲
Contributions10/11€22k€22k=
Reserves13€9k€10k▲
Distributable reserves133€9k€10k▲
Amounts payable17/49€6k€6k▼
Amounts payable within one year42/48€6k€6k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Accrued charges and deferred income492/3-€35
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€1k€733▼
Gross operating margin9900€13k€7k▼
Operating profit (loss)9901€9k€3k▼
Financial income75/76B€242€79▼
Recurring financial income75€242€79▼
Financial charges65/66B€88€285▲
Recurring financial charges65€88€285▲
Profit (loss) for the period before taxes9903€9k€3k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€1k▼
Transfer to equity691/2€6k€1k▼
To other reserves6921€6k€1k▼
The notes to these accounts (4 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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €-7k ▼128%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €25k ▲546%
Operating result €25k, net result €25k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
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, Aalst · 1 establishment unit since 2008
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.
Borreput 289300 AalstGround area
629 m²
Building footprint
93 m²
Volume, LiDAR
481 m³
Parcel 41304F0255/00D000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KARPE DIEM
since 20082.170.675.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41304F0255/00D000 | Flanders | 629 m² | 1 · 93 m² | 8.6 m · 2 fl. |
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.
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Of 462 companies in sector 47783 we hold annual accounts for 214. 153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-04-2008
Fiscal year end31-12
Activities, NACEBEL
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.