Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
CARMEL HOLDING from Stekene, company number BE0412989673, closed financial year 2025 with a result of € -2,942 after tax. For that financial year CARMEL HOLDING recorded a gross margin of € -1,889 and equity of € 250,614. Compared with financial year 2024, the result moved from € -7,813 to € -2,942. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 30, 2026.
€ 250,614
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,942
▲ 62 % less loss than in 2024
Profit after tax over the fiscal year.
€ 3,495
▼ 47% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -936,386.
Debts at end 2025
€ 550,000
Loans from banks and other lenders, long and short.
€ 1,282
▲ 87% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 256
▼ 44% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -20,698 | € -8,648 | € -7,813 | € -1,889 | ▲ € 5,924 |
| Profit after taxes | € -20,708 | € -8,649 | € -7,813 | € -2,942 | ▲ € 4,871 |
| Equity | € 270,018 | € 261,369 | € 253,556 | € 250,614 | ▼ 1% |
| Total debts | € 583,129 | € 557,569 | € 551,140 | € 551,737 | |
| Cash | € 365 | € 20,093 | € 6,626 | € 3,495 | ▼ 47% |
| Retained profit | € -916,982 | € -925,631 | € -933,444 | € -936,386 | |
| Bank debt | € 560,000 | € 550,000 | € 550,000 | € 550,000 | |
| Balance sheet total | € 853,147 | € 818,938 | € 804,695 | € 802,351 |
Key figures of CARMEL HOLDING, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to CARMEL HOLDING?
What happened at CARMEL HOLDING in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- PVDW 63 CommV stepped down as director. NBB
- ARGUO CONSULTING BV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 2,942. Source: NBB ↗
- PVDW 63 CommV became a director. NBB
- ARGUO CONSULTING BV became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Stekene. KBO
In short
From € 20,708 loss in 2022 to € 2,942 loss in 2025.
Management
The stake of ARGUO CONSULTING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CARMEL HOLDINGThe shares are held by ARGUO CONSULTING (50%). It owns 100% of CARMEL BV itself.
Directors
According to the 2025 annual accounts
Director · represented by Ingrid Godelieve DE WITTE
since 2022 · until 2028
Director · represented by Marc TROCH
since 2022 · until 2028
Shareholders
50%
Participations
CARMEL BV
100%
Establishments
Establishment units
Physical locations of this company
Bormte(STE) 225
9190 Stekene
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0412.989.673
- VAT number
- BE 0412.989.673
- Registered office
- Bormte(STE) 225, 9190 Stekene
- Names & denominations
- CARMEL HOLDING
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 9 February 1973
- Peppol
- Active · Active since 17 Nov 2025