Debts
€126,636 87% of the balance sheet
Suppliers 88%Taxes and wages 9%Other 3%
Of this, €124,886 falls due within a year.
BarDiCa
Lifetime
4 annual accounts with figures on one time axispeak €43,923 (2023)
€34,317▲ 154%
lowest -€23,515 (2022)
€16,166▲ €16,595
peak €19,738 (2025)
€19,738▲ 453%
€126,636▼ 17.8%
Board1 name since 2022
1 directorDirk Callaerts
Documentsfilings and deeds
24-04-202698 days before the deadline
2025micro format
Gross margin from €13,500 to €34,317Back to profit: €16,166Equity from €3,571 to €19,738Debts from €154,114 to €126,636Cash from €21,250 to €41,576
Key points
from the 2025 annual accountsFilings
4 annual accounts 3 late
The 2022 accounts came latest: 88 days after the end of the period.
Position in the sector
13.5%
Lower solvency than 80% of companies in computing infrastructure and information services. Sector median 55.3% · 2,301 companies.
Checked score
85
Excellent
Financially stronger than 47% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 2,947 companies (NACE 63, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 0.9%▼ -0.1 percentage points vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 1.5%▲ +0.6 percentage points vs 07-2025
09-2025: 1.9%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 1.7%▼ -0.2 percentage points vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 0.9%▼ -0.8 percentage points vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.3%▼ -0.6 percentage points vs 04-2026lowest value
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
2 of the last 3 accounts late
Equity €19,738 (13.5% of total assets)
lowers risk
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Liquidity: current ratio 0.85, cash €41,576
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 63, micro). It does better than 21% of them on solvency, 19% on liquidity, 51% on profitability and 98% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as BarDiCa has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BarDiCa itself is lower: 0.3% within 12 months. It rests on far more data about BarDiCa than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for BarDiCa. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.85 (0.62 in 2024), below 1. Short-term debt is 85.3% and cash 28.4% of total assets. 86.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2301 sector peers (2025).
NBB · sector comparisonPosition among 2301 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-04-2026, 98 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
98 days early
2024
57 days late
2023
65 days late
2022
88 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 28 days after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 October (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CALLAERTS Dirk 700 sharesdeed of 02-02-2022
- DE MEUTER Barbara 300 sharesdeed of 02-02-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0781398049
Registered office moved from Schulen to Hasselt
New registered office: Arnold Van Loonlaan 40, 3500 Hasselt · Previous registered office: Oude Baan 42, 3540 Schulen · Gazette deed
Incorporation
Founding capital of €4,000, 1,000 shares · Founders: CALLAERTS Dirk and DE MEUTER Barbara · Appointment: CALLAERTS Dirk (director) · published on 02-02-2022 · Gazette deed
First establishment
Arnold van Loonlaan 40, Hasselt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BarDiCa Hasselt | €146,374 | €34,317 | 13.5% | - |
| KATRIEN DAEMS Herk-de-Stad | €155,929 | €37,911 | 83.9% | - |
| AB CONSULTS Antwerp | €123,127 | €30,612 | 42.3% | - |
| GLOCOLEARNING Genk | €176,917 | €39,407 | 36.3% | - |
| LP Equiservices Bree | €131,249 | €40,702 | 94.5% | - |
| Skyslimit Heusden-Zolder | €111,388 | €36,606 | 65.6% | - |
| JOHIL Genk | €169,522 | €46,632 | 52.2% | - |
These companies have the same main activity as BarDiCa: other information service activities (NACE 63920). They are comparable in size and age: total assets between €111,000 and €177,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 31-01-2022Normal situation
- Activity
- Other information service activitiesNACE 63920and 2 others
- Establishment unit
- 2.327.203.5113500 Hasselt, since 31-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 29-04-2025
Annual accounts 2025
- ≈ €140,000estimated
- €146,374▼ 7.2%
- Filing
- Filed on 24-04-2026, 98 days before the end of the filing period
Insights on BarDiCa
BarDiCa files the micro format. That format states no turnover. The gross margin rose from -€9,473 in 2022 to €34,317 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BarDiCa
- What is the company number of BarDiCa?
- The company number of BarDiCa is 0781.398.049. The VAT number is the same number with BE in front: BE 0781.398.049.
- Where is BarDiCa based?
- The registered office is at Arnold van Loonlaan 40, 3500 Hasselt.Company details
- What does BarDiCa do?
- According to the KBO register, the main activity is other information service activities (NACE 63920).
- What is the legal form of BarDiCa?
- BarDiCa is a private limited company (BV).
- When was BarDiCa founded?
- BarDiCa was founded on 31-01-2022.
- Is BarDiCa still active?
- Yes, BarDiCa is an active enterprise in the KBO register.
- What is the turnover of BarDiCa?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €34,317 and 2,934 comparable companies of the same size. It probably lies between €83,000 and €250,000. It is a rough estimate.Financials
- Is BarDiCa profitable?
- In financial year 2025, BarDiCa made a profit of €16,166.
- Where can I find the annual accounts of BarDiCa?
- BarDiCa filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BarDiCa due?
- BarDiCa must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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