Equity
€247,262 ▲ 116%
Equity rose in 2026 from €114,698 to €247,262.
Capify
Overview
Lifetime
2 annual accounts with figures on one time axispeak €175,962 (2026)
€175,962▲ 16.4%
peak €133,397 (2026)
€133,397▲ 15.6%
peak €247,262 (2026)
€247,262▲ 116%
€66,278▲ 24.4%
Board1 name since 2024
1 directorSPRIET Catherine Liesbeth Caroline
Documentsfilings and deeds
08-09-202653 days before the deadline
2026micro format
Gross margin from €151,125 to €175,962Dividend €833Equity from €114,698 to €247,262Debts from €53,285 to €66,278Investments €9,009Cash from €97,164 to €261,391
Key points
from the 2026 annual accountsTurnover
≈ €300,000 estimated
The micro format states no turnover.
Investments
€9,009 2.9 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.56 was 3.05 in 2025
Short-term debts rose from €53,285 to €66,278.
Starting capital
€100 100 shares
Position in the sector
€133,397
Higher net result than 89% of companies in head offices and management consultancy. Sector median €29,771 · 1,504 companies.
Checked score
98
Excellent
Financially stronger than 87% of micro companies in head offices and management consultancy (NACE 70)
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: 0.1% across 48,568 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 0.4%
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025highest value
10-2025: < 0.1%▼ -0.4 percentage points 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 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged 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 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.56, cash €261,391
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €313,540
Equity €247,262 (78.9% of total assets)
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 70, micro). It does better than 86% of them on solvency, 87% on liquidity, 84% on profitability and 91% on growth.
The bankruptcy probability was computed on 07-11-2026 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 31-03-2026.
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, 39,278 companies had the same profile as Capify has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of Capify itself is lower: < 0.1% within 12 months. It rests on far more data about Capify 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 39,278 companies, not a prediction for Capify. 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 €24,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.56 (3.05 in 2025), above the usual 1.5. Short-term debt is 21.1% and cash 83.4% of total assets. 21.1% 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
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-09-2026, 53 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
53 days early
2025
51 days early
← before the deadline
after the deadline →
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1008137430
Incorporation
Founding capital of €100, 100 shares · Appointment: SPRIET Catherine Liesbeth Caroline (director) · Founder: SPRIET Catherine Liesbeth Caroline · published on 10-04-2024 · Gazette deed
First establishment
Edgard Blancquaertstraat 12, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Capify Ghent | €313,540 | €175,962 | 78.9% | - |
| BK CONSULTING Deinze | €352,013 | €172,559 | 69.9% | - |
| EPIC Dendermonde | €305,077 | €159,209 | 74.7% | - |
| Poor Charlie Sint-Niklaas | €280,598 | €173,045 | 86.8% | - |
| Midean Nazareth-De Pinte | €316,185 | €153,334 | 68.8% | - |
| OVERCO Nazareth-De Pinte | €278,962 | €176,861 | 62.7% | - |
| C-Capital Beveren-Kruibeke-Zwijndrecht | €275,335 | €170,282 | 79.4% | - |
These companies have the same main activity as Capify: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €275,000 and €352,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 08-04-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.358.545.2019030 Ghent, since 08-04-2024
- Financial year end
- 31 March
- Peppol
- Reachable since 12-10-2025
Annual accounts to 31-03-2026
- €175,962▲ 16.4%
- €133,397▲ 15.6%
- €247,262▲ 116%
- €313,540▲ 86.6%
- Filing
- Filed on 08-09-2026, 53 days before the end of the filing period
Insights on Capify
Capify has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €247,262 and a net result of €133,397.
Its solvency ranks better than 71% of 1,504 sector peers (NACE 70, financial year 2026). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2026
micro format, filed on 08-09-2026, 53 days before the deadline€175,962
▲ 16.4%
€172,202
▲ 15.7%
€133,397
▲ 15.6%
€235,850
▲ 116%
78.9%
▲ 10.6 percentage points
4.56
▲ 1.51
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €300,000. Estimated: probably between €250,000 and €360,000.
Balance sheet
balance sheet total €313,540 on 31-03-2026What the company ownsHow it is paid for
in euro
in euro
Position in the sector
78.9%
Higher than 63% of 39,342 companies in 2025.
4.56
Higher than 64% of 38,027 companies in 2025.
42.5%
Higher than 95% of 38,499 companies in 2025.
Capify
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2026 | 2025 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
313,540 | 167,983 | |
21/28 |
11,413 | 5,535 | |
22/27 |
11,413 | 5,535 | |
23 |
2,923 | - | |
24 |
3,564 | 5,535 | |
26 |
4,926 | - | |
29/58 |
302,127 | 162,448 | |
40/41 |
38,611 | 63,352 | |
40 |
38,611 | 63,118 | |
41 |
- | 234 | |
54/58 |
261,391 | 97,164 | |
490/1 |
2,125 | 1,932 | |
| Balance sheet: equity and liabilities | |||
10/49 |
313,540 | 167,983 | |
10/15 |
247,262 | 114,698 | |
10/11 |
100 | 100 | |
13 |
247,162 | 114,598 | |
133 |
247,162 | 114,598 | |
17/49 |
66,278 | 53,285 | |
42/48 |
66,278 | 53,285 | |
44 |
1,623 | 1,563 | |
440/4 |
1,623 | 1,563 | |
45 |
63,461 | 49,462 | |
450/3 |
63,461 | 49,462 | |
47/48 |
1,194 | 2,259 | |
| Income statement | |||
9900 |
175,962 | 151,125 | |
630 |
3,131 | 1,486 | |
640/8 |
502 | 589 | |
66A |
127 | 190 | |
9901 |
172,202 | 148,861 | |
75/76B |
614 | 29 | |
75 |
614 | 29 | |
65/66B |
40 | 182 | |
65 |
40 | 182 | |
9903 |
172,776 | 148,708 | |
67/77 |
39,379 | 33,277 | |
9904 |
133,397 | 115,431 | |
9905 |
133,397 | 115,431 | |
| Appropriation of the result | |||
9906 |
133,397 | 115,431 | |
691/2 |
132,564 | 114,598 | |
6921 |
132,564 | 114,598 | |
694/7 |
833 | 833 | |
694 |
833 | 833 | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 08-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2026 | 2025 |
|---|---|---|---|
| 175,333 | 150,346 | ||
| 136,528 | 116,917 | ||
| 9,009 | 5,914 | ||
| 164,228 | - | ||
| 235,850 | 109,163 | ||
| 78.9% | 68.3% | ||
| 4.56 | 3.05 | ||
| 0.27 | 0.46 | ||
| 53.9% | 100.6% | ||
| 42.5% | 68.7% | ||
| over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 31-03-2026 | 31-03-2025 |
|---|---|---|
| Tangible fixed assets | €9,009 | €5,914 |
| €3,131 | €1,486 |
Source: notes to the 2025 to 2026 annual accounts (statement of fixed assets)
Insights on Capify
The operating result for 2026 is 16% higher than in 2025.
Debt's share of the balance-sheet total falls from 31.7% to 21.1%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 10-04-2024
term without a fixed end
listed in the 2026 annual accounts, filed on 08-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “indien zij worden benoemd in de statuten, de hoedanigheid van statutair bestuurder kunnen hebben. De algemene vergadering die de…”deed of 10-04-2024
Mandates through the years
1 name, the dashed line is todaySPRIET Catherine Liesbeth Caroline
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SPRIET Catherine Liesbeth Caroline
- Director (not named in the articles), appointed by deed of 10-04-2024, still in office
Control
This company
Capify
Equity €247,262
Profit €133,397 in 2026
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- €2,473 in 2026
- Source
- deed of 10-04-2024
Articles of association
deed of 10-04-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of August
Shareholders
At incorporation
deed of 10-04-2024 ↗
- SPRIET Catherine Liesbeth Caroline 100 shares (100%) · €100
Network & group
No group
Capify has no parent and no holdings in its annual accounts. SPRIET Catherine Liesbeth Caroline is the only director. Capify shares no director with another company.
The LEI register names no parent.
At the same address
Edgard Blancquaertstraat 12, 9030 Ghent · 1 other company| GARRULUS
registered office since 08-04-2013 · founded in 2013 |
total assets €414,833 (2025) 0525.815.521 |
Timeline
Timeline
6 events since 2024Filings
Financial
Establishments
202420252026
Deadline for the 2027 accounts: 31-10-2027
2026
Annual accounts 2026 filed NBBmicro format · 53 days before the deadline
Equity above €200,000 equity €247,262 ▲116% With a profit in every financial year since 2025, equity grows to €247,262.
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1008137430
Annual accounts 2025 filed PDFmicro format · 51 days before the deadline
2024
IncorporationFounding capital of €100, 100 shares · Appointment: SPRIET Catherine Liesbeth Caroline (director) · Founder: SPRIET Catherine Liesbeth Caroline · published on 10-04-20246 points ▸
- Founder, SPRIET Catherine Liesbeth Caroline
- Founding capital, €100, 100 shares
- 100 shares
- Registered office clause, Edgard Blancquaertstraat 12, 9030 Gent
- Board rule, 1
- Director appointment, SPRIET Catherine Liesbeth Caroline (director (not named in the articles))
- The deed holds 5 more points.
First establishment Edgard Blancquaertstraat 12, Ghent
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Capify was incorporated on 8 April 2024 as a private limited company by one natural person, with a starting capital of €100.12 SPRIET Catherine Liesbeth Caroline is director of the company, appointed by deed of 10-04-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2026.3
Company details
Identity
- Enterprise number
- 1008.137.430
- VAT number
- BE 1008.137.430
- Peppol ID
- 0208:1008137430
- Other Peppol ID
- 9925:BE1008137430
- LEI code
- 648800XZ81O3MASX2B48 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 08-04-2024
- Financial year
- ends on 31 March
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of Augustdeed of 10-04-2024 (in Dutch)
- Peppol
- Reachable since 12-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Capify in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 10-04-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 10-04-2024 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “1. Advies en ondersteuning met betrekking tot het bestuur en algemeen management van vennootschappen; 2. Het beheer en toezicht voeren over…”deed of 10-04-2024 (in Dutch)
13 activities
- 1. Advies en ondersteuning met betrekking tot het bestuur en algemeen management van vennootschappen;
- 2. Het beheer en toezicht voeren over andere vennootschappen en ondernemingen van welke aard ook;
- 3. Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard, in de ruimste zin, met uitzondering van adviezen inzake beleggingen en geldplaatsingen, bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur;
- 4. Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren, onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten behalve deze die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen;
- 5. Het waarnemen van alle bestuursopdrachten, het uitoefenen van expertises, opdrachten en functies;
- 6. Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, know-how en aanverwante immateriële duurzame activa;
- 7. Het verlenen van administratieve prestaties en computerservices voor rekening van derden;
- 8. De aan- en verkoop, in- en uitvoer, commissiehandel en vertegenwoordiging van om het even welke goederen, in het kort tussenpersoon in de handel;
- 9. Het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten vennootschappen en het beheer van een roerend vermogen in de ruimste zin van het woord.
- 10. Het beheer van een onroerend vermogen en de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen.
- 11. Het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten, nieuwe vormen van technologie en hun toepassingen;
- 12. Het bemiddelen bij de aankoop, verkoop en verhuur van onroerend goed, het schatten en evalueren van onroerende goederen, met uitzondering van de werkzaamheden die bij wet zijn voorbehouden aan erkende vastgoedmakelaars. Het verlenen, in opdracht van de eigenaar of de mede-eigenaars, van alle diensten die noodzakelijk zijn voor het behoorlijk functioneren van de gebouwen waarvan het beheer wordt waargenomen.
- 13. Het nemen van participaties in ondernemingen. De vennootschap mag geenszins aan vermogensbeheer of beleggingsadvies doen, zoals bedoeld in de wetten en Koninklijke Besluiten op de financiële transacties en de financiële markten en over het vermogensbeheer en het beleggingsadvies. De vennootschap mag betrokken zijn bij wijze van inbreng, samensmelting, inschrijving of op elke andere wijze, in de ondernemingen, verenigingen of vennootschappen, die een gelijkaardig, soortgelijk of samenhangend voorwerp hebben of die nuttig zijn voor de verwezenlijking van het geheel of een gedeelte van haar voorwerp.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Edgard Blancquaertstraat 12 registered office 9030 Ghent | 08-04-2024 | 2.358.545.201 |
Buildings and parcels at the address
- Ground area
- 1,567 m²
- Buildings
- 165 m²
- Volume, LiDAR
- 904 m³
- Tallest building
- 10.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 44038A0848/00Y003 | 1,567 m² | 1 · 165 m² | 10.0 m · 2 |