Equity
€1.4m ▼ 4.0%
CAPHI paid out €50,000 in dividends in a year with a loss of €7,884.
CAPHI
Lifetime
17 annual accounts with figures on one time axispeak €98,778 (2019)
€28,997▲ 73.5%
lowest -€78,929 (2022)
-€7,884▲ €14,044
peak €1.7m (2019)
€1.4m▼ 4.0%
€8,748▲ 22.5%
Board2 names since 2008
2 directorsBEAUMONT Caroline and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €16,718 to €28,997Loss of €7,884Dividend €50,000Debts from €7,140 to €8,748Cash from €20,229 to €7,299
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 49% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 54.58, cash €7,299, halved
lowers risk
Size: total assets €1.4m
Equity €1.4m (98.8% of total assets)
Figures for financial year 2025 (filed on 03-07-2026)
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 82, micro). It does better than 88% of them on solvency, 41% on liquidity, 36% on profitability and 33% on growth.
The bankruptcy probability was computed on 10-11-2026 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, 2,686 companies had the same profile as CAPHI has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CAPHI itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 2,686 companies, not a prediction for CAPHI. 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 €120,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 54.58 (69.11 in 2024), above the usual 1.5. Short-term debt is 0.6% and cash 0.5% of total assets. 1.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 days early
2024
83 days early
2023
44 days early
2022
46 days early
2021
87 days early
2020
58 days early
2019
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 53 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 15 June (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Purpose change
“Het beleggen, het intekenen op, vast overnemen, plaatsen, kopen, verkopen en verhandelen van aandelen…” (deed in Dutch) · General meeting of 29-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0808931005
Changes of role: DIMIAUX Philippe (director) and BEAUMONT Caroline (director)
General meeting of 18-02-2021 · Gazette deed
First establishment
Gaversesteenweg 744, Merelbeke-Melle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAPHI Merelbeke-Melle | €1.4m | €28,997 | 98.8% | - |
| KING LEE Wetteren | €1.8m | €35,478 | 8.8% | - |
| NOIND Hamme (Vl.) | €1.3m | €19,469 | 98.4% | - |
| DE VELDMEERS Wetteren | €2.2m | €33,740 | 96.0% | 0 |
| EYECOM INVEST Ronse | €2.1m | €20,842 | 94.6% | - |
| FINANCES et COURTAGE P.M. Braine-le-Comte | €1.8m | €32,511 | 53.3% | - |
| Aarau Consultants & Finance S.A. Rixensart | €1.2m | €36,992 | 64.3% | - |
These companies have the same main activity as CAPHI: other business support services (NACE 82990). They are comparable in size and age: total assets between €1.2m and €2.2m, founded between 2006 and 2011.
Official details
Source: KBO- Status
- Active since 08-01-2009Normal situation
- Activity
- Other business support servicesNACE 82990and 4 others
- Establishment unit
- 2.175.850.0559820 Merelbeke-Melle, since 03-02-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 25-09-2025
Annual accounts 2025
- ≈ €75,000estimated
- €1.4m▼ 3.9%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on CAPHI
CAPHI files the micro format. That format states no turnover. The gross margin rose from €4,708 in 2009 to €28,997 in 2025.
The balance sheet grew most from 2015 to 2017 through fixed assets.
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 CAPHI
- What is the company number of CAPHI?
- The company number of CAPHI is 0808.931.005. The VAT number is the same number with BE in front: BE 0808.931.005.
- Where is CAPHI based?
- The registered office is at Gaversesteenweg 744, 9820 Merelbeke-Melle.Company details
- What does CAPHI do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of CAPHI?
- CAPHI is a private limited company (BV).
- When was CAPHI founded?
- CAPHI was founded on 08-01-2009.
- Is CAPHI still active?
- Yes, CAPHI is an active enterprise in the KBO register.
- What is the turnover of CAPHI?
- The turnover in financial year 2025 is ≈ €75,000. This figure is estimated from the gross margin of €28,997 and 41 comparable companies (NACE 82990). It probably lies between €46,000 and €97,000.Financials
- Is CAPHI profitable?
- In financial year 2025, CAPHI made a loss of €7,884.
- Where can I find the annual accounts of CAPHI?
- CAPHI filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAPHI due?
- CAPHI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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