TEXTILES CARINE

Active

Private limited companyfounded 20206 yrs activeRue de la Liberté 2, 6040 Charleroi, BelgiumKBO/BCE: BE 0750.785.938

The computed 12-month bankruptcy probability of TEXTILES CARINE is 2.8% (moderate). The 2024 annual accounts show equity of €13k and a net result of €-8k. Equity is shrinking by ~25.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 42% of 26053 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

39 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability2▼-4

Solvency48▼-6

Growth32=

Track record100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.04 against 1.27 in 2023; short-term debt: 64.4% and cash: 48.6% of total assets), and 77.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

22.9%

Return on assets

-13.4%

Age of the figures

21 mo

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

21222324

2021 to 2024 · latest year €-8k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-11-2025, 97 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.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

97 d late

2023

61 d late

2022

89 d late

2021

135 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€13k▼ 37.0%

2023 · €21k

2021: €27k 2022: €29k 2023: €21k

2021 → 2024

Total assets

€58k▼ 20.4%

2023 · €73k

2021: €42k 2022: €87k 2023: €73k

2021 → 2024

Net result

€-8k▼ 2.2%

2023 · €-8k

2021: €22k 2022: €8k 2023: €-8k

2021 → 2024

Working capital

€2k▼ 83.8%

2023 · €10k

2021: €19k 2022: €16k 2023: €10k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€27k-€29k▲ 8.0%€21k▼ 26.6%€13k▼ 37.0%

Operating result€26k-€14k▼ 44.4%€-8k€-10k▼ 19.1%

Net result€22k-€8k▼ 62.3%€-8k€-8k▼ 2.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €10k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €58k

32.7%

67.3%

Fixed assets €19k▼ 27.0%

Current assets €39k▼ 16.3%

Equity and liabilities €58k

22.9%

77.1%

Equity €13k▼ 37.0%

Debt €45k▼ 13.7%

The debt ratio rises from 71.1% to 77.1%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-2k▼

2023 · €-785

Cash flow

€-489▼

2023 · €-319

Solvency

22.9%▼

2023 · 28.9%

Current ratio

1.04▼

2023 · 1.27

Quick ratio

0.96▼

2023 · 1.15

Debt / equity

3.37▲

2023 · 2.46

ROE

-58.7%▼

2023 · -36.2%

ROA

-13.4%▼

2023 · -10.5%

Interest coverage

-1.57▼

2023 · -0.53

Debt

€45k▼

2023 · €52k

Debt ≤ 1 year

€37k▲

2023 · €37k

Debt > 1 year

€7k▼

2023 · €15k

Staff costs

€41k▲

2023 · €12k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€73k€58k▼

Formation expenses20€449€157▼

Fixed assets21/28€26k€19k▼

Tangible fixed assets22/27€26k€19k▼

Plant, machinery and equipment23€472€139▼

Furniture and vehicles24€24k€18k▼

Other tangible fixed assets26€2k€1k▼

Current assets29/58€46k€39k▼

Stocks and contracts in progress3€4k€3k▼

Stocks30/36€4k€3k▼

Amounts receivable within one year40/41€1k€3k▲

Trade receivables40€1k€3k▲

Other amounts receivable41€10€10=

Cash at bank and in hand54/58€40k€28k▼

Deferred charges and accrued income490/1€698€4k▲

Equity and liabilities

Total equity and liabilities10/49€73k€58k▼

Equity10/15€21k€13k▼

Contributions10/11€5k€5k=

Reserves13€13k€13k=

Distributable reserves133€13k€13k=

Profit (loss) carried forward14€3k€-5k▼

Amounts payable17/49€52k€45k▼

Amounts payable after more than one year17€15k€7k▼

Financial debts170/4€15k€7k▼

Amounts payable within one year42/48€37k€37k▲

Current portion of amounts payable after more than one year42€7k€8k▲

Trade debts44€7k€9k▲

Suppliers440/4€7k€9k▲

Taxes, remuneration and social security45€14k€10k▼

Taxes450/3€11k€4k▼

Remuneration and social security454/9€4k€6k▲

Other amounts payable47/48€8k€10k▲

Income statement Code20232024

Remuneration, social security and pensions62€12k€41k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=

Other operating charges640/8€384€505▲

Gross operating margin9900€12k€40k▲

Operating profit (loss)9901€-8k€-10k▼

Financial income75/76B€2k€3k▲

Recurring financial income75€2k€3k▲

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€-8k€-8k▼

Profit (loss) for the period9904€-8k€-8k▼

Profit (loss) for the period to be appropriated9905€-8k€-8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€-5k▼

Profit (loss) brought forward from the previous period14P€11k€3k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

2025

05-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 97 days late

2024

31-12

Financial Weakest financial yearnet €-8k

Net result drops to €-8k, the lowest in the series.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

28-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 89 days late

2022

18-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Charleroi · 1 establishment unit since 2020

establishment The establishment unit on the map

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 de la Liberté 26040 Charleroi

Ground area

773 m²

Building footprint

43 m²

Volume, LiDAR

390 m³

Parcel 52034B1181/00F097, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

TEXTILES CARINE

Rue de la Liberté 2, 6040 CharleroiRetail sale of women's outerwear

since 20202.304.913.604

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52034B1181/00F097	Wallonia	773 m²	1 · 43 m²	10.9 m · 3 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

Chaudfontaine · Eq €13k

AFRODISIA

BE 0477.238.119

Zuienkerke · Eq €13k

Of 2,212 companies in sector 47711 we hold annual accounts for 890. 530 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-07-2020

Fiscal year end31-12

Activities, NACEBEL

47711Retail sale of women's outerwear

47715Retail trade

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

47820Market retail: textiles, clothing, footwear

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.