Summary
CARELLE CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €138k and a net result of €53k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 9863 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 07-07-2025, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2024
24 d early
2023
1 d early
2022
on the day
2021
9 d late
2020
10 d late
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€138k▲ 3.7%
2023 · €133k
2019: €43k
2020: €68k
2021: €96k
2022: €107k
2023: €133k
2019 → 2024
Net result
€53k▲ 104%
2023 · €26k
2019: €51k
2020: €50k
2021: €57k
2022: €23k
2023: €26k
2019 → 2024
Total assets
€188k▲ 32.7%
2023 · €142k
2019: €85k
2020: €109k
2021: €141k
2022: €149k
2023: €142k
2019 → 2024
Solvency
73.2%▼ 20.5pp
2023 · 93.8%
2019: 50.5%
2020: 63.1%
2021: 68.1%
2022: 71.9%
2023: 93.8%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€68k-€96k▲ 40.0%€107k▲ 12.0%€133k▲ 24.0%€138k▲ 3.7%
Operating result€67k-€77k▲ 14.2%€37k▼ 52.3%€36k▼ 1.1%€75k▲ 106%
Net result€50k-€57k▲ 13.8%€23k▼ 59.1%€26k▲ 9.7%€53k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 106% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €188k
Fixed assets
€20k ▼ 5.1%
Current assets
€169k ▲ 39.3%
Equity and liabilities €188k
Equity
€138k ▲ 3.7%
Debt
€50k ▲ 469%
Debt's share of the balance-sheet total rises from 6.2% to 26.8%. Equity and debt are higher.
Key figures and ratios
ROE
38.1%▲
2023 · 19.4%
ROA
27.9%▲
2023 · 18.2%
Debt ≤ 1 year
€49k▲
2023 · €7k
Income taxes
€22k▲
2023 · €11k
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 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€142k€188k▲
Fixed assets21/28€21k€20k▼
Tangible fixed assets22/27€21k€20k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€16k€14k▼
Current assets29/58€121k€169k▲
Amounts receivable after more than one year29€15k€15k=
Other amounts receivable291€15k€15k=
Amounts receivable within one year40/41€26k€25k▼
Trade receivables40€16k€17k▲
Other amounts receivable41€10k€8k▼
Cash at bank and in hand54/58€79k€127k▲
Deferred charges and accrued income490/1€677€2k▲
Equity and liabilities
Total equity and liabilities10/49€142k€188k▲
Equity10/15€133k€138k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€114k€119k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€112k€117k▲
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€9k€50k▲
Amounts payable within one year42/48€7k€49k▲
Trade debts44€4k€12k▲
Suppliers440/4€4k€11k▲
Bills of exchange payable441-€322
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€899€12k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48-€25k
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€680€1k▲
Gross operating margin9900€41k€83k▲
Operating profit (loss)9901€36k€75k▲
Financial income75/76B€810€424▼
Recurring financial income75€810€424▼
Financial charges65/66B€87€184▲
Recurring financial charges65€87€184▲
Profit (loss) for the period before taxes9903€37k€75k▲
Income taxes67/77€11k€22k▲
Profit (loss) for the period9904€26k€53k▲
Profit (loss) for the period to be appropriated9905€26k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€60k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2-€48k
Transfer to equity691/2€26k€53k▲
To other reserves6921€26k€53k▲
Profit to be distributed694/7-€48k
Return on contributions (dividend)694-€48k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity times 5current ratio 16.82
Current ratio from 3.34 to 16.82; short-term debt falls from €40k to €7k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €23k ▼59.1%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €100kEq €107k ▲12%
4 profitable years in a row build equity to €107k.
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
30-06
Financial
Highest result since 2019net €57k ▲13.8%
Operating result €77k, net result €57k, both a record.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
17-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jabbeke · 1 establishment unit since 2018
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.
Lindenlaan 128490 JabbekeGround area
1,256 m²
Building footprint
158 m²
Volume, LiDAR
902 m³
Parcel 31442C0513/00M000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARELLE CONSULTING
since 20182.271.659.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31442C0513/00M000 | Flanders | 1,256 m² | 1 · 158 m² | 9.7 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.
Similar companies · same sector, comparable size
FREDECON
BE 0773.994.672
Merelbeke-Melle · Eq €138,000
Ti-Ha
BE 0878.901.261
Antwerpen · Eq €138,012
Numann
BE 0631.922.336
Kontich · Eq €137,981
TJ Management
BE 0759.908.787
Heusden-Zolder · Eq €138,042
UNCLE CHANG
BE 0765.957.926
Antwerpen · Eq €137,955
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,066 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
Founded05-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.