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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2025; threshold 65 %.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
Financials
Financial year 2025
CARMA from Sint-Agatha-Berchem, company number BE0876642250, closed financial year 2025 with a result of € 45,230 after tax. For that financial year CARMA recorded a gross margin of € 69,900 and equity of € -33,885. Compared with financial year 2024, the result moved from € 79,497 to € 45,230. The company is profitable. 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.
€ -33,885
▲ € 45,230 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 45,230
▼ 43% vs 2024
Profit after tax over the fiscal year.
€ 11,645
▲ 38% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -40,085.
People and assets in 2025
€ 13,120
▼ 23% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 37,100
▼ 58% vs 2024
€ 18,104 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 684
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 48,504 | € 47,269 | € 99,499 | € 69,900 | ▼ 30% |
| Profit after taxes | € 28,349 | € 11,444 | € 79,497 | € 45,230 | ▼ 43% |
| Equity | € -170,056 | € -158,612 | € -79,115 | € -33,885 | ▲ € 45,230 |
| Total debts | € 448,490 | € 465,185 | € 400,799 | € 354,681 | ▼ 12% |
| Cash | € 7,040 | € 5,676 | € 8,466 | € 11,645 | ▲ 38% |
| Land & buildings | € 266,563 | € 257,077 | € 259,985 | € 265,589 | ▲ 2% |
| Retained profit | € -176,256 | € -164,812 | € -85,315 | € -40,085 | ▲ € 45,230 |
| Bank debt | € 187,660 | € 147,686 | € 88,297 | € 37,100 | ▼ 58% |
| Balance sheet total | € 278,434 | € 306,573 | € 321,684 | € 320,796 |
Key figures of CARMA, 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 CARMA?
What happened at CARMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 45,230 (▼ 43% vs 2024). filed late Source: NBB ↗
- CDB EQUATION SRL became a director. NBB
- LOUCAP became a director. NBB
- MICHELE MONNOM stepped down as director. NBB
- MICHELE MONNOM became a director. NBB
- New establishment in Sint-Agatha-Berchem. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,349 profit in 2022 to € 45,230 profit in 2025.
Paid € 4,180 in corporate taxes since 2022.
Best year ever: 2024, with € 79,497 profit.
A new publication or filing at CARMA? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CARMA are CDB EQUATION SRL and LOUCAP. LOUCAP is also behind Saint Octave Retail, CARDI RETAIL, Meltingpom, Cardi Maleizen and Cardimmo.
Directors
According to the 2025 annual accounts
Director · represented by CHRISTOPHE DE BEUKELAER
since 2026
Director · represented by DIEGO LOUWERS
Also active at: Saint Octave Retail, CARDI RETAIL, Meltingpom, Cardi Maleizen, Cardimmo
since 2026
MICHELE MONNOM
Director
since 2015 · until 2026
Establishments
Establishment units
Physical locations of this company
Helenalaan 10
1082 Sint-Agatha-Berchem
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
- 0876.642.250
- VAT number
- BE 0876.642.250
- Registered office
- Helenalaan 10, 1082 Sint-Agatha-Berchem
- Names & denominations
- CARMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 October 2005
- Peppol
- Active · Active since 12 May 2026