Financials
- Fiscal year
- 2025
- Turnover
- €228,804
- Profit
- €58,488
- Solvency
- 94.1%
Turnover▲ 15.7%
Net result
20182025
CAPI ASSURANCES
ActiveSummary
CAPI ASSURANCES has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €572,633 and a net result of €58,488. Equity is growing by ~7.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Activity not known1 site
Size
€228,804turnover 2025
- Equity
- €572,633
- Profit
- €58,488
Structure
Accounts filed 41 d late0 of 2 deeds read
Why 94- Latest accounts 41 days late; 3 of the last 3 late+ Size: turnover €228,804, total assets €608,448+ Liquidity: current ratio 16.71, cash €273,240+ Equity €572,633 (94.1% of total assets)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 80% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 94.1% of total assets
Liquidity
100=
short-term debt 5.9% · cash 44.9%
Profitability
87+4
return on assets 9.6%
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).
Last 13 months
10-2025: 0.2%
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▲ +11.0% vs 12-2025
02-2026: 0.2%▲ +1.2% vs 01-2026
03-2026: 0.3%▲ +7.8% vs 02-2026
04-2026: 0.3%▲ +1.1% vs 03-2026
05-2026: 0.3%▼ -4.9% vs 04-2026
06-2026: 0.3%▲ +4.3% vs 05-2026
07-2026: 0.3%● 0.0% vs 06-2026
08-2026: 0.4%▲ +35.1% vs 07-2026
09-2026: 0.4%▲ +14.0% vs 08-2026highest value
10-2026: 0.2%▼ -58.8% vs 09-2026lowest value
- Latest accounts 41 days late; 3 of the last 3 late raises the probability
- Size: turnover €228,804, total assets €608,448 lowers the probability for this profile
- Liquidity: current ratio 16.71, cash €273,240 lowers the probability
- Equity €572,633 (94.1% of total assets) lowers the probability
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 16.71 against 18.26 in 2024; short-term debt: 5.9% and cash: 44.9% of total assets), and 5.9% 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 (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 95%, profitability 71%, growth against the median 74%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
41 d late
2024
56 d late
2023
31 d late
2022
31 d late
2021
26 d late
2020
31 d late
2019
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 33 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 1 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Highest result since 2018net €58,488 ▲130%
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 10-09-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 25-09-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 09-12-1999
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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