Financials
- Financial year
- 2025
- Total assets
- €339,598
- Loss
- -€49,368
- Solvency
- 93.9%
Total assets▼ 8.8%
Net result
20182025
CARMOY
ActiveSummary
CARMOY has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €319,031 and a net result of -€49,368. Equity is shrinking by about 5.4% per year across the filed financial years. Its solvency ranks better than 94% of 13,626 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Wholesale trade
NACE 46872
1 site
Size
€339,598total assets 2025
- Equity
- €319,031
- Loss
- -€49,368
Turnover not published (micro format)
Structure
- CARMOY Erwin Ludovicus ColetteManaging director
- DE HERDT Nancy Alfonsa CarolineDirector
2025 accounts 45 days early2 of 6 deeds summarised
Why 94raises riskLoss of €49,368 (financial year 2025)lowers riskLiquidity: current ratio 13.61, cash €187,519Equity €319,031 (93.9% of total assets)Founded in 1993Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 56% of its sector peers (NACE 46, micro)
Financial strength · tick = 2024
Strong
Solvency
100=
equity 93.9% of total assets
Liquidity
100=
short-term debt 6.1% · cash 55.2%
Profitability
1-79
return on assets -14.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.1%● unchanged vs 11-2024
01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity ample (current ratio 13.61, compared with 74.27 in 2024, above the usual 1.5; short-term debt: 6.1% and cash: 55.2% of total assets), and 6.1% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 90% on solvency, 98% on liquidity, 12% on profitability and 23% on growth.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 days early
2024
8 days late
2023
33 days early
2022
34 days early
2021
41 days early
2020
2 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Back to profitnet €33,386
Key points
By topic
Board & ownership
- Board
- 2 members
- CARMOY Erwin Ludovicus ColetteManaging director
- DE HERDT Nancy Alfonsa CarolineDirector
Timeline
- Events
- 39
- Since
- 1994
- Next accounts
- by 31-07-2027
- 31-12-2024Liquidity more than triples
- 28-06-2024Annual accounts filed
- 10-06-2024Amendment of the articles
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Wholesale tradeNACE 46872
- Founded
- 05-03-1993
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 7
- Annual meeting
- First Saturday of May at 17:00
Key facts about CARMOY
- What is the company number of CARMOY?
- 0449.556.693. In Belgium the VAT number is the company number with BE in front: BE 0449.556.693.
- Where is CARMOY based?
- The registered office is at Steenberghoekstraat 18, 2840 Rumst.Company details
- What does CARMOY do?
- According to the KBO register, the main activity is wholesale trade (NACE 46872).
- What is the legal form of CARMOY?
- Public limited company (NV).
- When was CARMOY founded?
- On 05-03-1993.
- Is CARMOY still active?
- Yes, CARMOY is an active enterprise in the KBO register.
- What is the turnover of CARMOY?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is CARMOY profitable?
- In financial year 2025, CARMOY made a loss of €49,368.
- Where can I find the annual accounts of CARMOY?
- CARMOY filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CARMOY due?
- By 31-07-2027, for financial year 2026.Timeline
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