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BELCATRA

Active
Private limited companyfounded 199333 yrs activePierstraat 262, 2630 Aartselaar, BelgiumKBO/BCE: BE 0450.741.479
Summary

BELCATRA has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110,929 and a net result of €4,077. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 12918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
BELCATRAActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of cars and light vans (up to 3.5 tonnes)
NACE 46711NACE 45111NACE 50101
1 site
Size
€316,181total assets 2025
Equity
€110,929
Profit
€4,077
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 39 d early0 of 3 deeds read
Why 87- Liquidity: current ratio 0.02, cash €3,722- Sector Wholesale trade (NACE 46)+ Founded in 1993+ Size: total assets €316,181Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 41% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 60+2
equity 35.1% of total assets
Liquidity 28-2
short-term debt 47.7% · cash 1.2%
Profitability 56+39
return on assets 1.3%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,775 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%▼ -1.4% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%▲ +8.0% vs 03-2025 05-2025: 0.3%● 0.0% vs 04-2025 06-2025: 0.3%▼ -4.8% vs 05-2025 07-2025: 0.5%▲ +60.0% vs 06-2025highest value 08-2025: 0.3%▼ -42.2% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.2%▼ -9.9% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -1.2% vs 12-2025 02-2026: 0.2%▼ -2.1% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.3%▲ +9.7% vs 03-2026 05-2026: 0.3%▲ +0.8% vs 04-2026 06-2026: 0.3%▼ -4.2% vs 05-2026 07-2026: 0.2%▼ -15.5% vs 06-2026lowest value 08-2026: 0.2%● 0.0% vs 07-2026lowest value 09-2026: 0.2%● 0.0% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Founded in 1993 lowers the probability for this profile
  • Size: total assets €316,181 lowers the probability for this profile
  • Liquidity: current ratio 0.02, cash €3,722 raises the probability
  • Sector Wholesale trade (NACE 46) raises the probability
Credit up to €9,000 at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.04 in 2024; short-term debt: 47.7% and cash: 1.2% of total assets), and 64.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 44%, liquidity 25%, profitability 42%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1993
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €316,181
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.02, cash €3,722
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Wholesale trade (NACE 46)
In the bankruptcy model this factor raises the probability.
KBO
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 d early
2024
10 d early
2023
51 d early
2022
34 d early
2021
67 d early
2020
61 d early
2019
34 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 42 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 22 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €4,077
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Active since 1993founded 18-08-1993 33 years View
  • Total assets 20256 fiscal years filed €316,181 View

By topic

Financials

Fiscal year
2025
Total assets
€316,181
Profit
€4,077
Solvency
35.1%
Total assets▼ 2.6%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 22-06-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 21-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale of cars and light vans (up to…NACE 46711
Founded
18-08-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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