Active · per the CBE, 30 September 2026

KARAMEL

BE0777901693

Rechtspersoon Private limited company 2 establishments

KARAMEL is an insurance broker in Waterloo. Private Limited, started on 1 December 2021, 2 establishments.

Avenue Baron Seutin 18, 1410 Waterloo

Active for

4 year, 9 months

Warning lights

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

  • Negative equity NBB

    More debt than assets in 2 of the last 4 fiscal years.

  • Two loss years in a row NBB

    Negative result in 2024 and 2025.

  • Tight liquidity NBB

    Cash and receivables cover 18 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

KARAMEL from Waterloo, company number BE0777901693, closed financial year 2025 with a result of € -2,806 after tax. For that financial year KARAMEL recorded a gross margin of € -1,709 and equity of € -6,316. Compared with financial year 2024, the result moved from € -6,195 to € -2,806. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.

What it is worth Caution

€ -6,316

▼ € 2,806 vs 2024

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

Loss Caution

€ -2,806

▲ 55 % less loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 1,182

▼ 22% vs 2024

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

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -11,316.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 7,300

▲ 38% vs 2024

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

Taxes

€ 33

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

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Key figures per fiscal year Download key figures (CSV)
2022202320242025Change 2024 → 2025
Gross margin € -1,314 € 787 € -5,250 € -1,709 ▲ € 3,541
Profit after taxes € -2,320 € 5 € -6,195 € -2,806 ▲ € 3,389
Equity € 2,680 € 2,685 € -3,510 € -6,316 ▼ € 2,806
Total debts € 1,047 € 3,958 € 5,976 € 8,024 ▲ 34%
Cash € 2,710 € 5,129 € 1,523 € 1,182 ▼ 22%
Retained profit € -2,320 € -2,315 € -8,510 € -11,316 ▼ € 2,806
Balance sheet total € 3,727 € 6,643 € 2,466 € 1,708 ▼ 31%

Key figures of KARAMEL, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to KARAMEL?

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

  • New annual accounts for financial year 2025: loss of € 2,806. filed late Source: NBB ↗
  • New establishment in Ukkel. KBO
  • New establishment in Waterloo. KBO
  • Start of the company according to the CBE. KBO

In short

From € 2,320 loss in 2022 to € 2,806 loss in 2025.

Best year ever: 2023, with € 5 profit.

Establishments

Establishment units

Physical locations of this company

Registered office

Avenue Baron Seutin 18

1410 Waterloo

2.338.137.488

Andrée Geulenstraat 62 box 2

1180 Ukkel

Active since 1 November 2022

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

Details

Company number
0777.901.693
VAT number
BE 0777.901.693
Registered office
Avenue Baron Seutin 18, 1410 Waterloo
Names & denominations
KARAMEL
Enterprise type
Rechtspersoon
Legal form
Private limited company
Legal situation
Normale toestand
Start date
1 December 2021
Peppol
Active · Active since 18 Dec 2025
Activities · NACE

Activiteiten van verzekeringsagenten en -makelaars

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies

Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

Frequently asked questions

What does KARAMEL do?
KARAMEL is an insurance broker in Waterloo. Private Limited, started on 1 December 2021, 2 establishments.
What is the address of KARAMEL?
The registered office of KARAMEL is located at Avenue Baron Seutin 18, 1410 Waterloo.
Is KARAMEL still active?
Yes. According to the CBE (30 September 2026) KARAMEL is active, legal situation “Normale toestand”, started on 1 December 2021.
Is KARAMEL registered on Peppol?
Yes, KARAMEL is registered on the Peppol network with ID 0208:0777901693.
What is the enterprise number of KARAMEL?
The enterprise number of KARAMEL is BE0777901693.
When was KARAMEL founded?
KARAMEL was founded on 1 December 2021.