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CARMA

Active
Private limited company (pre-2019)· 20 yrs active
Helenalaan 10 ·1082 Sint-Agatha-Berchem, Belgium
KBO/BCE: BE 0876.642.250
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Age20 yrs
Board1
Real estate1 parcel · 381 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CARMA is 1.7% (moderate). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 26-08-2025 26 d late 2025-00413497
31-12-2023 31-07-2024 31-08-2024 31 d late 2024-00440897
31-12-2022 31-07-2023 30-08-2023 30 d late 2023-00404359
31-12-2021 31-07-2022 05-07-2022 26 d early 2022-20167456
31-12-2020 31-07-2021 09-11-2021 101 d late 2021-76900162
31-12-2019 31-07-2020 20-08-2020 20 d late 2020-42700121
31-12-2018 31-07-2019 23-07-2019 8 d early 2019-36400308
31-12-2017 31-07-2018 23-07-2018 8 d early 2018-36600585
31-12-2016 31-07-2017 31-07-2017 on the day 2017-39900477
31-12-2015 31-07-2016 23-08-2016 23 d late 2016-45800017

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
Long-established
Founded in 2005, 20 years in business.
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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.7% Moderate
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Higher-failure-rate region +Long track record −

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

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 26-08-2025 2025-00413497
31-12-2023 micro 31-08-2024 2024-00440897
31-12-2022 micro 30-08-2023 2023-00404359
31-12-2021 micro 05-07-2022 2022-20167456
31-12-2020 micro 09-11-2021 2021-76900162
31-12-2019 micro 20-08-2020 2020-42700121
31-12-2018 micro 23-07-2019 2019-36400308
31-12-2017 micro 23-07-2018 2018-36600585
31-12-2016 micro 31-07-2017 2017-39900477
31-12-2015 volledig 23-08-2016 2016-45800017

Directors

Directors & mandates

3 directors
Current directors & mandates
  • MONNOM Michèle
    Director
    State Gazette act 24016226 (25-01-2024)
    Current
    22-12-2021 → present
    2 events
    • 25-01-2024 Mandate renewed· Director
    • 22-12-2021 Mandate renewed· Director
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Michèle Monnon
    Managing director
    State Gazette act 16000054 (04-01-2016)
    Not recently confirmed
    last confirmed in an act from 2016
Former directors (1)
  • Maximes Fuentes
    Managing director
    State Gazette act 16000054 (04-01-2016)
    Former
    - → 30-11-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation12-10-2005
StatusActive
Postal code1082

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.

Helenalaan 101082 Sint-Agatha-Berchem

Establishment units

1 location
CARMA
Helenalaan 10, 1082 Sint-Agatha-BerchemVerhuur van woningen, exclusief sociale woningen
since 20052.339.372.556
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area381 m²
Buildings1
Building footprint303 m²
Volume (LiDAR)2,029 m³
Tallest building15.2 m · ±1 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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21342B0102/00L002 Brussels 381 m² 1 · 303 m² 15.2 m · 1 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

5 acts
All acts · 5 updated 2 years ago
2024
25-01-2024 MONNOM Michèle reappointed as director Director changes
  • MONNOM Michèle, Bestuurder
Summary: v3.2
2023
06-03-2023 Michèle Monnom reappointed as director Director changes
  • Michèle Monnom, Bestuurder
Summary: v3.2
23-02-2023 Change in the board of directors Director changes
Summary: v3.2
2016
04-01-2016 1 director appointed, 1 resigning Director changes
  • Michèle Monnon, Gedelegeerd bestuurder
  • Maximes Fuentes, Gedelegeerd bestuurder
Summary: v3.2
2005
24-10-2005 Incorporation of a new SNC Incorporation
Summary: oprichting

Analysis

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Credit advice

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

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameFR CARMA
Registered office
Helenalaan 10
1082 Sint-Agatha-Berchem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.