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CARBIZE

Active
Private limited company·Overige niet-gespecialiseerde detailhandel· 5 yrs active
Rue Sous les Vignes 8+ ·4101 Seraing, Belgium
KBO/BCE: BE 0752.884.108
Watch Print / PDF
Age5 yrs
Staff (FTE)0.8
Real estate1 parcel · 1,465 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CARBIZE is 7.9% (elevated). The 2021 annual accounts show negative equity (€-42k) and a net result of €-45k. Its solvency ranks better than 9% of 2542 sector peers (fiscal year 2021). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
7.9% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 23-11-2022, 115 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2021, that is 31-07-2022.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2021 31-07-2022 23-11-2022 115 d late 2022-20523940

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-45k
Working capital€2k

Annual accounts & ratios

Source: NBB · 2021
Annual accounts filed on 23-11-2022 with the NBB · fiscal year 2021 · micro
Sector comparison
Fiscal year 2021 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -79.1% 22.9%
better than 9% of 2542 sector peers
Net result €-45k €3k
better than 5% of 2535 sector peers
Equity €-42k €17k
better than 9% of 2545 sector peers
Gross operating margin €12k €21k
better than 41% of 2522 sector peers
Staff costs €52k €27k
higher than 74% of 1030 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2021
Depositmicro
Revenue-
EBITDA-
Net profit€-45k
Cash flow-
Staff costs€52k
Income taxes-
Dividends-
Total assets€53k
Equity€-42k
Debt€95k
of which ≤ 1y€51k
of which > 1y€23k
Working capital€2k
Employees (FTE)0.8
Ratios (computed)
2021
Current ratio1.03
Quick ratio1.03
Working capital ratio3.3%
Solvency-79.1%
Debt / equity-2.26
Long-term debt ratio-0.54
Interest coverage-
Gross margin-
Net margin-
ROA-84.7%
ROE107.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€53k
Current assets 29/58€53k
Amounts receivable within one year 40/41€50k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€53k
Equity 10/15€-42k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-45k
Amounts payable 17/49€95k
Amounts payable after one year 17€23k
Amounts payable within one year 42/48€51k
Trade debts payable within one year 44€418
Income statement
Gross operating margin 9900€12k
Operating result 9901€-43k
Financial charges 65€2k
Result before taxes 9903€-45k
Net result for the period 9904€-45k
Result to be appropriated 9905€-45k
Ratios computed by Checked.

Health barometer

FY 2021 · computed
45 / 100 Fair
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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 Sous les Vignes 8+4101 Seraing

Establishment units

1 location
CARBIZE
Rue Sous les Vignes 8, 4101 SeraingHandelsbemiddeling in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden (bv ambulances)
since 20202.306.218.352
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,465 m²
Buildings1
Building footprint378 m²
Volume (LiDAR)2,353 m³
Tallest building9.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62058B0399/00D008 Wallonia 1,465 m² 1 · 378 m² 9.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
Address history · 1
08-03-2023
Registered-office move
All acts · 1 updated 3 years ago
2023
08-03-2023 Registered office moved from awans to Jemeppe-sur-meuse Registered-office change
  • Rue Chaussée 109, 4342 awans, région wallonne → Rue Sous les Vignes 8+, 4101 Jemeppe-sur-meuse

Analysis

Snowflake analysis

financial profile on 5 axes
Health45Profitability100Solvency45Growth-Stability79
67 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 45
Profitability 100
Solvency 45
Growth -
Stability 79

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 714 of the 13,148 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199
Primary activity highlighted.
Names & trade names
Legal nameFR CARBIZE
Registered office
Rue Sous les Vignes 8+
4101 Seraing, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.