What does FOTO KAREL do?

FOTO KAREL is a shop in Westerlo. Private Limited, started on 28 June 1984, 1 establishment.

What is the address of FOTO KAREL?

The registered office of FOTO KAREL is located at Boerenkrijglaan 9, 2260 Westerlo.

Is FOTO KAREL still active?

Yes. According to the CBE (30 October 2026) FOTO KAREL is active, legal situation “Normale toestand”, started on 28 June 1984.

Is FOTO KAREL registered on Peppol?

Yes, FOTO KAREL is registered on the Peppol network with ID 0208:0425898789.

What is the enterprise number of FOTO KAREL?

The enterprise number of FOTO KAREL is BE0425898789.

When was FOTO KAREL founded?

FOTO KAREL was founded on 28 June 1984.

Who are the directors of FOTO KAREL?

According to the 2025 annual accounts, the directors of FOTO KAREL are: Christiane VERBRAKEN, Karel VAN CALSTER.

Is FOTO KAREL a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 28 June 1984; 4 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did FOTO KAREL make in 2025?

FOTO KAREL posted a profit after taxes of € 1,063 in financial year 2025.

What is the revenue of FOTO KAREL?

As a small company, FOTO KAREL is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 76,167.

How much does an employee at FOTO KAREL earn?

The average wage cost per full-time employee at FOTO KAREL was € 44,300 in 2025: staff costs of € 57,537 for 1.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does FOTO KAREL have?

According to the 2025 annual accounts, FOTO KAREL has 1.3 full-time equivalents (FTE).

FOTO KAREL (Private Limited) - Westerlo - BE0425898789

Dossier FOTO KAREL, printed on 30 October 2026 from databakkes.be/en/0425898789/foto-karel. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

FOTO KAREL from Westerlo, company number BE0425898789, closed financial year 2025 with a result of € 1,063 after tax. For that financial year FOTO KAREL recorded a gross margin of € 76,167 and equity of € 294,056. Compared with financial year 2024, the result moved from € 611 to € 1,063. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 8, 2026.

What it is worth Healthy

€ 294,056

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 1,063

▲ 74% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 13,049

▲ 46% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 1,600 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

1.3

▼ 0.1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 57,537

▲ 1% vs 2024

€ 44,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Debts at end 2025

Bank debt

€ 11,875

▼ 12% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 35,732

▼ 19% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 16,974

▼ 46% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 55,500 Gross margin 2022: € 55,500 First fiscal year in the series	€ 71,651 Gross margin 2023: € 71,651 ▲ 29% vs 2022 (€ 55,500) Favourable step	€ 76,504 Gross margin 2024: € 76,504 ▲ 7% vs 2023 (€ 71,651) Favourable step	€ 76,167 Gross margin 2025: € 76,167 Unchanged (€ 76,504) Unfavourable step
Profit after taxes	€ 4,272 Profit after taxes 2022: € 4,272 First fiscal year in the series	€ 30 Profit after taxes 2023: € 30 ▼ 99% vs 2022 (€ 4,272) Unfavourable step	€ 611 Profit after taxes 2024: € 611 ▲ € 581 vs 2023 (€ 30) Favourable step	€ 1,063 Profit after taxes 2025: € 1,063 ▲ 74% vs 2024 (€ 611) Favourable step	▲ 74%
Equity	€ 295,552 Equity 2022: € 295,552 First fiscal year in the series	€ 295,582 Equity 2023: € 295,582 Unchanged (€ 295,552) Favourable step	€ 294,593 Equity 2024: € 294,593 Unchanged (€ 295,582) Unfavourable step	€ 294,056 Equity 2025: € 294,056 Unchanged (€ 294,593) Unfavourable step
Total debts	€ 188,021 Total debts 2022: € 188,021 First fiscal year in the series	€ 198,688 Total debts 2023: € 198,688 ▲ 6% vs 2022 (€ 188,021) Unfavourable step	€ 174,770 Total debts 2024: € 174,770 ▼ 12% vs 2023 (€ 198,688) Favourable step	€ 152,735 Total debts 2025: € 152,735 ▼ 13% vs 2024 (€ 174,770) Favourable step	▼ 13%
Cash	€ 16,695 Cash 2022: € 16,695 First fiscal year in the series	€ 17,402 Cash 2023: € 17,402 ▲ 4% vs 2022 (€ 16,695) Favourable step	€ 8,944 Cash 2024: € 8,944 ▼ 49% vs 2023 (€ 17,402) Unfavourable step	€ 13,049 Cash 2025: € 13,049 ▲ 46% vs 2024 (€ 8,944) Favourable step	▲ 46%
Land & buildings	€ 160,946 Land & buildings 2022: € 160,946 First fiscal year in the series	€ 160,787 Land & buildings 2023: € 160,787 Unchanged (€ 160,946) Unchanged	€ 160,628 Land & buildings 2024: € 160,628 Unchanged (€ 160,787) Unchanged	€ 160,469 Land & buildings 2025: € 160,469 Unchanged (€ 160,628) Unchanged
Retained profit	€ 45,552 Retained profit 2022: € 45,552 First fiscal year in the series	€ 45,582 Retained profit 2023: € 45,582 Unchanged (€ 45,552) Favourable step	€ 44,593 Retained profit 2024: € 44,593 ▼ 2% vs 2023 (€ 45,582) Unfavourable step	€ 44,056 Retained profit 2025: € 44,056 ▼ 1% vs 2024 (€ 44,593) Unfavourable step	▼ 1%
Dividend	€ 1,600 Dividend 2022: € 1,600 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 1,600) Unchanged	€ 1,600 Dividend 2024: € 1,600 Unchanged (€ 0) Unchanged	€ 1,600 Dividend 2025: € 1,600 Unchanged (€ 1,600) Unchanged
Bank debt	€ 28,750 Bank debt 2022: € 28,750 First fiscal year in the series	€ 23,523 Bank debt 2023: € 23,523 ▼ 18% vs 2022 (€ 28,750) Favourable step	€ 13,440 Bank debt 2024: € 13,440 ▼ 43% vs 2023 (€ 23,523) Favourable step	€ 11,875 Bank debt 2025: € 11,875 ▼ 12% vs 2024 (€ 13,440) Favourable step	▼ 12%
Balance sheet total	€ 483,573 Balance sheet total 2022: € 483,573 First fiscal year in the series	€ 494,270 Balance sheet total 2023: € 494,270 ▲ 2% vs 2022 (€ 483,573) Unchanged	€ 469,363 Balance sheet total 2024: € 469,363 ▼ 5% vs 2023 (€ 494,270) Unchanged	€ 446,791 Balance sheet total 2025: € 446,791 ▼ 5% vs 2024 (€ 469,363) Unchanged	▼ 5%
Employees (FTE)	1.3 Employees (FTE) 2022: 1.3 First fiscal year in the series	1.4 Employees (FTE) 2023: 1.4 ▲ 0.1 vs 2022 (1.3) Unchanged	1.4 Employees (FTE) 2024: 1.4 Unchanged (1.4) Unchanged	1.3 Employees (FTE) 2025: 1.3 ▼ 0.1 vs 2024 (1.4) Unchanged	▼ 0.1

Key figures of FOTO KAREL, 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 April 2027.

What happened to FOTO KAREL?

What happened at FOTO KAREL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Apr 8, 2026 New annual accounts for financial year 2025: profit of € 1,063 (▲ 74% vs 2024). Source: NBB ↗
Jul 1, 1984 New establishment in Westerlo. KBO
Jun 28, 1984 Start of the company according to the CBE. KBO

In short

From € 4,272 profit in 2022 to € 1,063 profit in 2025.

Paid € 5,402 in corporate taxes since 2022.

Best year ever: 2022, with € 4,272 profit.

On average € 58,600 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

Christiane VERBRAKEN Karel VAN CALSTER

FOTO KAREL

Behind FOTO KAREL are Christiane VERBRAKEN and Karel VAN CALSTER.

Directors

According to the 2025 annual accounts

Christiane VERBRAKEN

Director

Karel VAN CALSTER

Director

Establishments

Establishment units

Physical locations of this company

Registered office

Boerenkrijglaan 9

2260 Westerlo

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0425.898.789

VAT number

BE 0425.898.789

Registered office

Boerenkrijglaan 9, 2260 Westerlo

Names & denominations

FOTO KAREL

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

28 June 1984

Peppol

Active · Active since 9 Dec 2025

Activities · NACE

Detailhandel in fotografische en optische artikelen en in precisieinstrumenten, muv corrigerende brillen, lenzen en zonnebrillen

Gespecialiseerde detailhandel in optische en fotografische artikelen, foto- en filmapparatuur, optische en precisie-instrumenten

Activiteiten van fotografen, met uitzondering van persfotografen

Fotostudio's en overige fotografische activiteiten

Detailhandel in corrigerende brillen, lenzen en zonnebrillen

Handel in eigen onroerend goed

Handel in onroerend goed

Detailhandel in fotografische en optische artikelen en in precisieinstrumenten in gespecialiseerde winkels

View on CBE Public ↗ Annual accounts (NBB) ↗

FOTO KAREL

Warning lights

Financials

What happened to FOTO KAREL?

Management

Directors

Establishments

Establishment units

Details

Frequently asked questions