CARA BATIMENTS
ActiveCARA BATIMENTS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €-5k. Equity is shrinking by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+7
Solvency100=
Growth33▲+1
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.87 against 4.97 in 2024; short-term debt: 8% and cash: 6.1% of total assets), and 21.5% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
31 d late
2022
17 d early
2021
5 d late
2020
153 d late
2019
151 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€240k▲ 3.9%
2024 · €231k
2018: €241k
2019: €255k
2020: €227k
2021: €239k
2022: €349k
2023: €166k
2024: €231k
2018 → 2025
EBIT margin
-1.3%▲ 3.1pp
2024 · -4.4%
2018: 8.2%
2019: 9.3%
2020: -4.3%
2021: -92.9%
2022: 22.8%
2023: -4.7%
2024: -4.4%
2018 → 2025
Net result
€-5k▲ 59.2%
2024 · €-12k
2018: €12k
2019: €16k
2020: €-15k
2021: €-224k
2022: €78k
2023: €-9k
2024: €-12k
2018 → 2025
Working capital
€79k▲ 3.2%
2024 · €77k
2018: €214k
2019: €228k
2020: €207k
2021: €-1k
2022: €34k
2023: €71k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€239k-€349k▲ 45.8%€166k▼ 52.4%€231k▲ 39.2%€240k▲ 3.9%
Equity€81k-€159k▲ 96.8%€150k▼ 5.8%€138k▼ 8.0%€133k▼ 3.6%
Operating result€-222k-€80k€-8k€-10k▼ 30.9%€-3k▲ 69.1%
Net result€-224k-€78k€-9k€-12k▼ 29.4%€-5k▲ 59.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €10k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€76k▲ 7.0%
Current assets
€93k▼ 3.5%
Equity and liabilities €169k
Equity
€133k▼ 3.6%
Debt
€36k▲ 21.6%
The debt ratio rises from 17.9% to 21.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €12k
Cash flow
€17k▲
2024 · €10k
Solvency
78.5%▼
2024 · 82.1%
Current ratio
6.87▲
2024 · 4.97
Quick ratio
6.82▲
2024 · 4.93
Debt / equity
0.27▲
2024 · 0.22
ROE
-3.7%▲
2024 · -8.7%
ROA
-2.9%▲
2024 · -7.2%
Interest coverage
10.41▲
2024 · 8.02
Debt
€36k▲
2024 · €30k
Debt ≤ 1 year
€14k▼
2024 · €19k
Debt > 1 year
€23k▲
2024 · €11k
Income taxes
€466▲
2024 · €340
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€168k€169k▲
Fixed assets21/28€71k€76k▲
Tangible fixed assets22/27€71k€76k▲
Plant, machinery and equipment23€1k€574▼
Furniture and vehicles24€70k€76k▲
Financial fixed assets28€142€142=
Current assets29/58€96k€93k▼
Stocks and contracts in progress3€656€656=
Stocks30/36€656€656=
Amounts receivable within one year40/41€28k€15k▼
Trade receivables40€20k€8k▼
Other amounts receivable41€8k€6k▼
Current investments50/53€50k€66k▲
Cash at bank and in hand54/58€15k€10k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€168k€169k▲
Equity10/15€138k€133k▼
Contributions10/11€19k€19k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€83k€78k▼
Amounts payable17/49€30k€36k▲
Amounts payable after more than one year17€11k€23k▲
Financial debts170/4€11k€23k▲
Amounts payable within one year42/48€19k€14k▼
Current portion of amounts payable after more than one year42€4k€9k▲
Trade debts44€15k€2k▼
Suppliers440/4€15k€2k▼
Taxes, remuneration and social security45€951€970▲
Taxes450/3€951€970▲
Other amounts payable47/48€18€993▲
Income statement
Code20242025
Turnover70€231k€240k▲
Goods, raw materials, services and sundry goods60/61€218k€225k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€14k€22k▲
Operating profit (loss)9901€-10k€-3k▲
Financial income75/76B€1€511▲
Recurring financial income75€1€511▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-12k€-4k▲
Income taxes67/77€340€466▲
Profit (loss) for the period9904€-12k€-5k▲
Profit (loss) for the period to be appropriated9905€-12k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€78k▼
Profit (loss) brought forward from the previous period14P€95k€83k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 11.13
Current ratio from 3.48 to 11.13; short-term debt falls from €14k to €7k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €78k
Net result €78k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 3.48
Current ratio from 0.99 to 3.48; short-term debt falls from €83k to €14k.
31-12
Financial
Equity above €150kEq €159k ▲96.8%
Equity rises from €81k to €159k.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Weakest financial yearnet €-224k
Net result drops to €-224k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Brussel · 1 establishment unit since 1990
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.
Van Campenhoutstraat 291000 BrusselGround area
360 m²
Building footprint
414 m²
Volume, LiDAR
3,133 m³
2 parcels, Brussels · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 19902.046.425.232
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0141/00A002 | Brussels | 182 m² | 1 · 99 m² | 12.7 m · 4 fl. |
| 21806F0064/00V008 | Brussels | 178 m² | 1 · 315 m² | 17.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ALTRAVA
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Building Together
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Antwerpen · Eq €133k
bNV
BE 0874.693.342
Bilzen-Hoeselt · Eq €133k
SWALA
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Burdinne · Eq €133k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 12,821 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-1989
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
45212
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.