Les Carnets
ActiveSummary
The computed 12-month bankruptcy probability of Les Carnets is 2.0% (moderate). The 2026 annual accounts show equity of €21,290 and a net result of €18,542. Equity is growing by ~79.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 234 sector peers (fiscal year 2026). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
Axes · tick = 2025
Profitability84▲+57
Solvency39▲+12
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.75 in 2025; short-term debt: 65.3% and cash: 5.9% of total assets), and 86.3% of the assets are financed with debt.
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Signals
Five 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
13.7%
Return on assets
11.9%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
47 d early
2025
30 d early
2024
38 d early
2023
12 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 32 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 27 September (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€21,290▲ 675%
2025 · €2,748
Total assets
€155,951▲ 6.2%
2025 · €146,818
Net result
€18,542
2025 · -€8,557
Working capital
-€6,010▲ 77.5%
2025 · -€26,696
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
Line2023202420252026
Operating result-€3,463-€15,630-€5,825€21,014
Net result-€7,418below the sector's middle half-€8,723within the sector's middle half-€8,557below the sector's middle half€18,542
Equity€2,582below the sector's middle half-€11,305within the sector's middle half▲ 338%€2,748below the sector's middle half▼ 75.7%€21,290▲ 675%
Total assets€182,953within the sector's middle half-€167,451within the sector's middle half▼ 8.5%€146,818within the sector's middle half▼ 12.3%€155,951▲ 6.2%
Debt€180,371-€156,146▼ 13.4%€144,070▼ 7.7%€134,661▼ 6.5%
Working capital-€40,314below the sector's middle half--€23,604below the sector's middle half▲ 41.4%-€26,696below the sector's middle half▼ 13.1%-€6,010▲ 77.5%
Solvency1.4%below the sector's middle half-6.8%within the sector's middle half▲ 5.3pp1.9%below the sector's middle half▼ 4.9pp13.7%▲ 11.8pp
Current ratio0.71below the sector's middle half-0.80below the sector's middle half▲ 0.090.75below the sector's middle half▼ 0.050.94▲ 0.19
Return on assets (ROA)-4.1%within the sector's middle half-5.2%within the sector's middle half▲ 9.3pp-5.8%below the sector's middle half▼ 11.0pp11.9%▲ 17.7pp
Staff (FTE)2.1-3.6▲ 71.4%2.3▼ 36.1%2.3=
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €21,014 after a loss of €5,825 in 2025, the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €154,315
Fixed assets
€58,420 ▼ 5.3%
Current assets
€95,895 ▲ 17.2%
Equity and liabilities €155,951
Equity
€21,290 ▲ 675%
Debt
€134,661 ▼ 6.5%
Debt's share of the balance-sheet total falls from 98.1% to 86.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32,111▲
2025 · €5,006
Cash flow
€29,639▲
2025 · €2,274
Quick ratio
0.19▲
2025 · 0.15
Debt to equity
6.33▼
2025 · 52.43
ROE
87.1%▲
2025 · -311.4%
Interest coverage
13.04▲
2025 · 1.87
Debt ≤ 1 year
€101,905▼
2025 · €108,499
Debt > 1 year
€32,641▼
2025 · €35,467
Income taxes
€132▲
2025 · €128
Staff costs
€61,730▲
2025 · €61,141
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.6%
went bankrupt
1.8%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 7,976 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 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €44,511 | €56,878 | €61,141 | €61,730 | ▲ 1.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,442 | €10,677 | €10,831 | €11,097 | ▲ 2.5% |
| Other operating charges640/8 | €348 | €606 | €3,807 | €3,489 | ▼ 8.4% |
| Gross operating margin9900 | €51,838 | €83,791 | €69,954 | €97,330 | ▲ 39.1% |
| Operating profit (loss)9901 | -€3,463 | €15,630 | -€5,825 | €21,014 | ▲ 461% |
| Financial income75/76B | €40 | €64 | €74 | €123 | ▲ 66.2% |
| Recurring financial income75 | €40 | €64 | €74 | €123 | ▲ 66.2% |
| Financial charges65/66B | €3,995 | €6,865 | €2,678 | €2,463 | ▼ 8.0% |
| Recurring financial charges65 | €3,995 | €6,865 | €2,678 | €2,463 | ▼ 8.0% |
| Profit (loss) for the period before taxes9903 | -€7,418 | €8,829 | -€8,429 | €18,674 | ▲ 322% |
| Income taxes67/77 | - | €106 | €128 | €132 | ▲ 3.1% |
| Profit (loss) for the period9904 | -€7,418 | €8,723 | -€8,557 | €18,542 | ▲ 317% |
| Profit (loss) for the period to be appropriated9905 | -€7,418 | €8,723 | -€8,557 | €18,542 | ▲ 317% |
| Line | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €182,953 | €167,451 | €146,818 | €155,951 | ▲ 6.2% |
| Formation expenses20 | €6,641 | €4,973 | €3,304 | €1,636 | ▼ 50.5% |
| Fixed assets21/28 | €77,293 | €68,283 | €61,711 | €58,420 | ▼ 5.3% |
| Intangible fixed assets21 | €27,774 | €25,773 | €23,772 | €27,312 | ▲ 14.9% |
| Tangible fixed assets22/27 | €49,519 | €42,510 | €37,939 | €31,108 | ▼ 18.0% |
| Plant, machinery and equipment23 | €3,260 | €2,542 | €1,824 | €1,105 | ▼ 39.4% |
| Furniture and vehicles24 | €14,546 | €11,771 | €11,434 | €8,838 | ▼ 22.7% |
| Other tangible fixed assets26 | €31,713 | €28,197 | €24,681 | €21,165 | ▼ 14.2% |
| Current assets29/58 | €99,019 | €94,195 | €81,803 | €95,895 | ▲ 17.2% |
| Stocks and contracts in progress3 | €93,047 | €68,392 | €66,057 | €76,968 | ▲ 16.5% |
| Stocks30/36 | €93,047 | €68,392 | €66,057 | €76,968 | ▲ 16.5% |
| Amounts receivable within one year40/41 | €3,644 | €11,532 | €9,248 | €4,449 | ▼ 51.9% |
| Trade receivables40 | €3,644 | €8,287 | €9,248 | €4,203 | ▼ 54.6% |
| Other amounts receivable41 | - | €3,245 | - | €246 | - |
| Cash at bank and in hand54/58 | €1,673 | €13,075 | €1,067 | €9,177 | ▲ 760% |
| Deferred charges and accrued income490/1 | €655 | €1,196 | €5,431 | €5,301 | ▼ 2.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €182,953 | €167,451 | €146,818 | €155,951 | ▲ 6.2% |
| Equity10/15 | €2,582 | €11,305 | €2,748 | €21,290 | ▲ 675% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€7,418 | €1,305 | -€7,252 | €11,290 | ▲ 256% |
| Amounts payable17/49 | €180,371 | €156,146 | €144,070 | €134,661 | ▼ 6.5% |
| Amounts payable after more than one year17 | €41,038 | €38,336 | €35,467 | €32,641 | ▼ 8.0% |
| Financial debts170/4 | €41,038 | €38,336 | €35,467 | €32,641 | ▼ 8.0% |
| Amounts payable within one year42/48 | €139,333 | €117,799 | €108,499 | €101,905 | ▼ 6.1% |
| Current portion of amounts payable after more than one year42 | €2,653 | €2,702 | €2,780 | €2,826 | ▲ 1.7% |
| Financial debts43 | €6,500 | - | - | - | - |
| Credit institutions430/8 | €6,500 | - | - | - | - |
| Trade debts44 | €14,398 | €16,850 | €18,739 | €22,450 | ▲ 19.8% |
| Suppliers440/4 | €14,398 | €16,850 | €18,739 | €22,450 | ▲ 19.8% |
| Taxes, remuneration and social security45 | €18,152 | €21,693 | €20,022 | €17,459 | ▼ 12.8% |
| Taxes450/3 | €8,942 | €9,543 | €7,747 | €6,906 | ▼ 10.9% |
| Remuneration and social security454/9 | €9,210 | €12,150 | €12,275 | €10,553 | ▼ 14.0% |
| Other amounts payable47/48 | €97,630 | €76,554 | €66,958 | €59,170 | ▼ 11.6% |
| Accrued charges and deferred income492/3 | - | €11 | €104 | €115 | ▲ 10.6% |
| Line | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,418 | €8,723 | -€8,557 | €18,542 | ▲ 317% |
| + Depreciation and write-downs630 | €10,442 | €10,677 | €10,831 | €11,097 | ▲ 2.5% |
| Operating cash flow (approximation) | €3,024 | €19,400 | €2,274 | €29,639 | ▲ 1,203% |
| Investment in fixed assets (approximation) | - | -€1,667 | -€4,259 | -€7,806 | ▼ 83.3% |
| Change in cash | - | €11,402 | -€12,008 | €8,110 | ▲ 168% |
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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Back to profitnet €18,542
Net result €18,542 after one loss-making year.
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet -€8,557
Net result drops to -€8,557, the lowest in the series; recovery starts the following year.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €8,723
Net result €8,723 after one loss-making year.
2023
19-10
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.
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.
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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, Wavre · 1 establishment unit since 2022
Ground area
371 m²
Building footprint
177 m²
Volume, LiDAR
2,750 m³
Parcel 25112M0021/00C002, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Carnets de Cuisine
since 20222.328.071.858
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0021/00C002 | Wallonia | 371 m² | 1 · 177 m² | 17.5 m · 5 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.
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Of 426 companies in sector 47553 we hold annual accounts for 169. 104 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
Founded18-02-2022
Fiscal year end31-03
Trade name FR
Carnets de Cuisine
Activities, NACEBEL 2025
47553Retail trade
47540Retail sale of electrical household appliances
77223Rental and leasing activities
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0782373492
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.