GRAINETERIE CARPENTIER
ActiveSummary
GRAINETERIE CARPENTIER has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.86M and a net result of €447k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-1
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €310k at 30 days acceptable
Liquidity ample (current ratio 7.33 against 8.09 in 2024; short-term debt: 5.3% and cash: 14.8% of total assets), and 21.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.9%
Return on assets
9.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
28 d early
2021
30 d late
2020
59 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€447k▼ 2.7%
2024 · €460k
2018: €225k
2019: €232k
2020: €541k
2021: €536k
2022: €554k
2023: €517k
2024: €460k
2018 → 2025
Working capital
€1.65M▼ 0.6%
2024 · €1.66M
2018: €620k
2019: €630k
2020: €712k
2021: €934k
2022: €1.19M
2023: €1.45M
2024: €1.66M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.88M-€2.43M▲ 29.5%€2.95M▲ 21.3%€3.41M▲ 15.6%€3.86M▲ 13.1%
Operating result€704k-€711k▲ 1.0%€681k▼ 4.1%€628k▼ 7.8%€630k▲ 0.3%
Net result€536k-€554k▲ 3.5%€517k▼ 6.7%€460k▼ 11.1%€447k▼ 2.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.89M
Fixed assets
€2.97M ▲ 7.7%
Current assets
€1.91M ▲ 0.8%
Equity and liabilities €4.89M
Equity
€3.86M ▲ 13.1%
Provisions
€2k ▼ 50.0%
Debt
€1.03M ▼ 17.5%
Debt's share of the balance-sheet total falls from 26.8% to 21.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€935k▲
2024 · €905k
Cash flow
€753k▲
2024 · €737k
Current ratio
7.33▼
2024 · 8.09
Quick ratio
3.12▼
2024 · 3.33
Debt to equity
0.27▼
2024 · 0.37
ROE
11.6%▼
2024 · 13.5%
ROA
9.2%▼
2024 · 9.9%
Interest coverage
80.65▲
2024 · 75.99
Debt ≤ 1 year
€261k▲
2024 · €234k
Debt > 1 year
€768k▼
2024 · €1.01M
Income taxes
€185k▲
2024 · €174k
Staff costs
€179k▲
2024 · €157k
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 · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.66M€4.89M▲
Fixed assets21/28€2.76M€2.97M▲
Intangible fixed assets21€977€338▼
Tangible fixed assets22/27€2.76M€2.97M▲
Land and buildings22€2.59M€2.53M▼
Plant, machinery and equipment23€114k€164k▲
Furniture and vehicles24€56k€281k▲
Current assets29/58€1.90M€1.91M▲
Stocks and contracts in progress3€1.11M€1.10M▼
Stocks30/36€1.11M€1.10M▼
Amounts receivable within one year40/41€77k€80k▲
Trade receivables40€62k€74k▲
Other amounts receivable41€15k€6k▼
Cash at bank and in hand54/58€691k€725k▲
Deferred charges and accrued income490/1€13k€9k▼
Equity and liabilities
Total equity and liabilities10/49€4.66M€4.89M▲
Equity10/15€3.41M€3.86M▲
Contributions10/11€19k€19k=
Reserves13€513k€882k▲
Tax-exempt reserves132€11k€5k▼
Distributable reserves133€502k€877k▲
Profit (loss) carried forward14€2.88M€2.96M▲
Provisions and deferred taxes16€4k€2k▼
Deferred taxes168€4k€2k▼
Amounts payable17/49€1.25M€1.03M▼
Amounts payable after more than one year17€1.01M€768k▼
Financial debts170/4€342k€248k▼
Other amounts payable178/9€670k€520k▼
Amounts payable within one year42/48€234k€261k▲
Current portion of amounts payable after more than one year42€94k€94k=
Trade debts44€40k€77k▲
Suppliers440/4€40k€77k▲
Taxes, remuneration and social security45€100k€90k▼
Taxes450/3€48k€40k▼
Remuneration and social security454/9€52k€50k▼
Income statement
Code20242025
Remuneration, social security and pensions62€157k€179k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€277k€305k▲
Other operating charges640/8€45k€39k▼
Gross operating margin9900€1.11M€1.15M▲
Operating profit (loss)9901€628k€630k▲
Financial income75/76B€16k€12k▼
Recurring financial income75€16k€12k▼
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€632k€630k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€174k€185k▲
Profit (loss) for the period9904€460k€447k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€465k€453k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.08M€3.33M▲
Profit (loss) brought forward from the previous period14P€2.61M€2.88M▲
Transfer to equity691/2€200k€375k▲
To other reserves6921€200k€375k▲
Social balance
Average headcount (FTE)90874.85.4▲
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €554k ▲3.5%
Operating result €711k, net result €554k, both a record.
31-12
Financial
Equity above €2MEq €2.43M ▲29.5%
5 profitable years in a row build equity to €2.43M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 59 days late
2020
31-12
Financial
Equity above €1MEq €1.34M ▲67.6%
3 profitable years in a row build equity to €1.34M.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aywaille · 1 establishment unit since 2013
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.
Avenue de la Porallée 284920 AywailleGround area
1.3 ha
Building footprint
1,574 m²
Parcel 62098H1166/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue de la Porallée 28, 4920 Aywaille
since 20132.214.513.760
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098H1166/00L000 | Wallonia | 1.3 ha | 1 · 1,574 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAywaille2.214.513.760
Similar companies · same sector, comparable size
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Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 344 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
Founded22-11-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.