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captainbyhelene

Active
Private limited companyfounded 20224 yrs activeChemin du Bienvenu(WP) 112, 5100 Namur, BelgiumKBO/BCE: BE 0779.930.874
Summary

captainbyhelene has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,754 and a net result of -€467. Equity is shrinking by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 8741 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
captainbyheleneActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46424
1 site
Size
€29,906total assets 2025
Equity
€11,754
Loss
-€467
Financial health
81 Excellent Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts filed 28 d late0 of 1 deed read
Why 81- Founded in 2022- Size: total assets €29,906+ Liquidity: current ratio 1.03, cash €13,695+ Figures for FY 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% 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
Strong
Solvency 64+6
equity 39.3% of total assets
Liquidity 73-3
short-term debt 52.5% · cash 45.8%
Profitability 67+7
return on assets -1.6%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)
Last 23 months 12-2024: 2.1% 01-2025: 2.0%▼ -2.1% vs 12-2024 02-2025: 2.0%● 0.0% vs 01-2025 03-2025: 2.0%▼ -0.5% vs 02-2025 04-2025: 2.1%▲ +3.1% vs 03-2025 05-2025: 2.1%▲ +1.1% vs 04-2025 06-2025: 2.1%▲ +0.1% vs 05-2025 07-2025: 2.1%▲ +1.5% vs 06-2025 08-2025: 2.7%▲ +27.5% vs 07-2025highest value 09-2025: 1.3%▼ -53.6% vs 08-2025 10-2025: 1.2%▼ -1.7% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%● 0.0% vs 11-2025 01-2026: 1.2%▼ -4.2% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.2%▲ +3.7% vs 02-2026 04-2026: 1.3%▲ +2.3% vs 03-2026 05-2026: 1.3%▲ +3.9% vs 04-2026 06-2026: 1.4%▲ +3.4% vs 05-2026 07-2026: 1.4%▲ +1.0% vs 06-2026 08-2026: 2.1%▲ +54.9% vs 07-2026 09-2026: 0.6%▼ -73.3% vs 08-2026lowest value 10-2026: 0.6%● 0.0% vs 09-2026lowest value
  • Founded in 2022 raises the probability for this profile
  • Liquidity: current ratio 1.03, cash €13,695 lowers the probability
  • Figures for FY 2025 (filed 28-08-2026) lowers the probability
  • Size: total assets €29,906 raises the probability for this profile
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.35 in 2024; short-term debt: 52.5% and cash: 45.8% of total assets), and 60.7% 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 48%, liquidity 78%, profitability 49%, growth against the median 32%. 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
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.03, cash €13,695
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 28-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: total assets €29,906
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 4 filings
Deviation from the deadline
2025
28 d late
2024
26 d late
2023
24 d late
2022
32 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 28 days after 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 27 August (4 of the last 4 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 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Weakest financial yearnet -€2,541

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€467 View
  • Caution: Among the weakest 14% on equitysector median €377,399 · 8,738 companies €11,754 View
  • Known shareholdersaccounts at 31-12-2025 100% View

By topic

Financials

Fiscal year
2025
Total assets
€29,906
Loss
-€467
Solvency
39.3%
Total assets▼ 19.5%
Net result
20222025
Go to Financials

Timeline

Events
5
Since
2023
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 26-08-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46424
Founded
11-01-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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