BELACARA
ActiveBELACARA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.87M and a net result of €625k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 6541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-13
Solvency83▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days only on tighter terms
Liquidity ample (current ratio 2.37 against 3.65 in 2023; short-term debt: 38.6% and cash: 29.2% of total assets), and 42.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57.9%
Return on assets
12.6%
Age of the figures
20 mo
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
61 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€625k▼ 38.6%
2023 · €1.02M
2018: €344k
2019: €349k
2020: €738k
2021: €805k
2022: €472k
2023: €1.02M
2018 → 2024
Working capital
€2.61M▼ 4.6%
2023 · €2.73M
2018: €364k
2019: €517k
2020: €717k
2021: €1.26M
2022: €1.85M
2023: €2.73M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.09M-€1.69M▲ 55.6%€2.26M▲ 33.4%€3.11M▲ 37.6%€2.87M▼ 7.8%
Operating result€1.01M-€1.06M▲ 5.8%€872k▼ 18.0%€1.34M▲ 53.2%€878k▼ 34.3%
Net result€738k-€805k▲ 9.2%€472k▼ 41.3%€1.02M▲ 115%€625k▼ 38.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.96M
Fixed assets
€436k▼ 27.0%
Current assets
€4.52M▲ 20.1%
Equity and liabilities €4.96M
Equity
€2.87M▼ 7.8%
Debt
€2.09M▲ 66.9%
The debt ratio rises from 28.7% to 42.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1.02M▼
2023 · €1.49M
Cash flow
€764k▼
2023 · €1.17M
Solvency
57.9%▼
2023 · 71.3%
Current ratio
2.37▼
2023 · 3.65
Quick ratio
2.14▼
2023 · 3.15
Debt / equity
0.73▲
2023 · 0.40
ROE
21.8%▼
2023 · 32.7%
ROA
12.6%▼
2023 · 23.3%
Interest coverage
16.25▼
2023 · 18.93
Debt
€2.09M▲
2023 · €1.25M
Debt ≤ 1 year
€1.91M▲
2023 · €1.03M
Debt > 1 year
€106k▼
2023 · €119k
Income taxes
€221k▼
2023 · €351k
Staff costs
€1.53M▲
2023 · €1.42M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€4.36M€4.96M▲
Fixed assets21/28€598k€436k▼
Intangible fixed assets21€29k-
Tangible fixed assets22/27€540k€428k▼
Land and buildings22€151k€128k▼
Plant, machinery and equipment23€346k€277k▼
Furniture and vehicles24€43k€22k▼
Financial fixed assets28€29k€9k▼
Current assets29/58€3.76M€4.52M▲
Stocks and contracts in progress3€525k€427k▼
Stocks30/36€525k€427k▼
Amounts receivable within one year40/41€256k€411k▲
Trade receivables40€165k€229k▲
Other amounts receivable41€90k€182k▲
Current investments50/53€1.70M€2.15M▲
Cash at bank and in hand54/58€1.18M€1.45M▲
Deferred charges and accrued income490/1€106k€85k▼
Equity and liabilities
Total equity and liabilities10/49€4.36M€4.96M▲
Equity10/15€3.11M€2.87M▼
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€570k€570k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€488k€488k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€2.39M€2.15M▼
Amounts payable17/49€1.25M€2.09M▲
Amounts payable after more than one year17€119k€106k▼
Financial debts170/4€115k€102k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€1.03M€1.91M▲
Current portion of amounts payable after more than one year42€13k€14k▲
Trade debts44€772k€766k▼
Suppliers440/4€772k€766k▼
Taxes, remuneration and social security45€244k€232k▼
Taxes450/3€92k€65k▼
Remuneration and social security454/9€152k€166k▲
Other amounts payable47/48€524€899k▲
Accrued charges and deferred income492/3€104k€72k▼
Income statement
Code20232024
Non-recurring operating income76A€4k€1k▼
Remuneration, social security and pensions62€1.42M€1.53M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149k€139k▼
Other operating charges640/8€28k€94k▲
Non-recurring operating charges66A€836€11k▲
Gross operating margin9900€2.93M€2.65M▼
Operating profit (loss)9901€1.34M€878k▼
Financial income75/76B€111k€86k▼
Recurring financial income75€111k€79k▼
Non-recurring financial income76B-€7k
Financial charges65/66B€78k€118k▲
Recurring financial charges65€78k€63k▼
Non-recurring financial charges66B-€55k
Profit (loss) for the period before taxes9903€1.37M€846k▼
Income taxes67/77€351k€221k▼
Profit (loss) for the period9904€1.02M€625k▼
Profit (loss) for the period to be appropriated9905€1.02M€625k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.56M€3.01M▲
Profit (loss) brought forward from the previous period14P€1.54M€2.39M▲
Profit to be distributed694/7€168k€867k▲
Return on contributions (dividend)694€168k€867k▲
Social balance
Average headcount (FTE)908735.238.5▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 92 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €1.02M ▲115%
Operating result €1.34M, net result €1.02M, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Equity above €2MEq €2.26M ▲33.4%
5 profitable years in a row build equity to €2.26M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €1MEq €1.09M ▲33.4%
3 profitable years in a row build equity to €1.09M.
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 29 days late
2019
31-12
Financial
Equity above €500kEq €816k ▲67.5%
2 profitable years in a row build equity to €816k.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Sprimont · 1 establishment unit since 2014
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 Beaufays 354140 SprimontGround area
9,770 m²
Building footprint
1,462 m²
Volume, LiDAR
6,818 m³
Parcel 62100C0535/00A000, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Intermarché
since 20142.235.067.862
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62100C0535/00A000 | Wallonia | 9,770 m² | 1 · 1,462 m² | 6.1 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.
Structure & network
Group per the LEI register
1 parent companyParent company:CARABE
Recognitions · licences · registrations
Food safety, FASFC
1 siteSprimont2.235.067.862
Legal Entity Identifier
25490009AQ9DFI8MBK83
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BE 0423.109.941
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REPHIL
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DUBONDIS
BE 0480.053.988
Péruwelz · Eq €2.92M
Fleunes
BE 0521.770.423
Herentals · Eq €2.94M
ALFA
BE 0421.819.247
Tongeren-Borgloon · Eq €2.79M
Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 1,191 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-09-2014
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.