SPRL CARMIN GESTION
ActiveSummary
SPRL CARMIN GESTION has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €790. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 23% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▼-1
Solvency48▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.23 in 2023; short-term debt: 41.6% and cash: 0.3% of total assets), and 76.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
23.2%
Return on assets
0.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 37956 sector peers (2024).
NBB · sector comparisonPosition among 37956 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
14 d late
2022
30 d late
2021
29 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€75k▲ 1.1%
2023 · €75k
2018: €51k
2019: €52k
2020: €52k
2021: €50k
2022: €72k
2023: €75k
2018 → 2024
Total assets
€326k▼ 6.2%
2023 · €347k
2018: €403k
2019: €393k
2020: €371k
2021: €352k
2022: €341k
2023: €347k
2018 → 2024
Net result
€790▼ 73.8%
2023 · €3k
2018: €686
2019: €1k
2020: €-292
2021: €-2k
2022: €22k
2023: €3k
2018 → 2024
Working capital
€-99k▲ 6.6%
2023 · €-106k
2018: €-107k
2019: €-114k
2020: €-117k
2021: €-117k
2022: €-94k
2023: €-106k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€52k-€50k▼ 4.2%€72k▲ 44.4%€75k▲ 4.2%€75k▲ 1.1%
Operating result€6k-€4k▼ 34.1%€28k▲ 607%€11k▼ 60.7%€7k▼ 37.2%
Net result€-292-€-2k▼ 653%€22k€3k▼ 86.3%€790▼ 73.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €326k
Fixed assets
€289k ▼ 8.6%
Current assets
€37k ▲ 18.4%
Equity and liabilities €326k
Equity
€75k ▲ 1.1%
Debt
€250k ▼ 8.2%
Debt's share of the balance-sheet total falls from 78.5% to 76.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2023 · €35k
Cash flow
€28k▲
2023 · €27k
Current ratio
0.27▲
2023 · 0.23
Debt to equity
3.32▼
2023 · 3.65
ROE
1.0%▼
2023 · 4.0%
ROA
0.2%▼
2023 · 0.9%
Interest coverage
7.89▲
2023 · 7.15
Debt ≤ 1 year
€135k▼
2023 · €137k
Debt > 1 year
€115k▼
2023 · €136k
Income taxes
€2k▼
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€347k€326k▼
Formation expenses20€0€0=
Fixed assets21/28€316k€289k▼
Tangible fixed assets22/27€316k€289k▼
Land and buildings22€276k€258k▼
Plant, machinery and equipment23€23k€20k▼
Furniture and vehicles24€18k€10k▼
Current assets29/58€31k€37k▲
Amounts receivable within one year40/41€24k€31k▲
Trade receivables40€5k€6k▲
Other amounts receivable41€20k€24k▲
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€347k€326k▼
Equity10/15€75k€75k▲
Contributions10/11€70k€70k=
Reserves13€107€107=
Non-distributable reserves130/1€107€107=
Reserves not available under the articles1311€107€107=
Profit (loss) carried forward14€5k€5k▲
Amounts payable17/49€273k€250k▼
Amounts payable after more than one year17€136k€115k▼
Financial debts170/4€135k€114k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€137k€135k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€110k€108k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€27k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€37k€37k▼
Operating profit (loss)9901€11k€7k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€6k€4k▼
Recurring financial charges65€5k€4k▼
Non-recurring financial charges66B€1k-
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€3k€790▼
Profit (loss) for the period to be appropriated9905€3k€790▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€5k▲
Profit (loss) brought forward from the previous period14P€2k€5k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 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, Soignies · 1 establishment unit since 2016
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.
Rue de l' Agace 127061 SoigniesGround area
2,080 m²
Building footprint
210 m²
Parcel 55006D0426/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
SPRL CARMIN GESTION
since 20162.251.536.581
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55006D0426/00B002 | Wallonia | 2,080 m² | 1 · 210 m² | - |
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.
Similar companies · same sector, comparable size
SK OFFICE
BE 0704.785.172
Gent · Eq €75,489
IDERGIE
BE 0451.482.540
Hotton · Eq €75,498
LD CONSULT HR SERVICES
BE 0751.559.265
Assesse · Eq €75,473
DrieB
BE 0830.859.834
Boutersem · Eq €75,516
WODAN GROUP
BE 0477.108.158
Hasselt · Eq €75,465
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,913 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.