Equity
-€751
Debts exceed assets in financial year 2025.
CAPY
Overview
Lifetime
2 annual accounts with figures on one time axispeak -€869 (2024)
-€2,066▼ €1,197
lowest -€2,574 (2025)
-€2,574▼ €1,397
peak €1,823 (2024)
-€751▼ €2,574
€3,742▲ 167%
Board1 name since 2024
1 directorHOYAS Anthony
Documentsfilings and deeds
25-08-202625 days late
2025abbreviated format
Gross margin from -€869 to -€2,066Loss of €2,574Equity from €1,823 to -€751Debts from €1,400 to €3,742Cash from €107 to €917
Key points
from the 2025 annual accountsLosses
-€3,751 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
At the same address
121 companies
2025 accounts filed 25 days after the deadlineTurnover not published (abbreviated format)
Checked score
52
Fair
Financially stronger than 7% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2025: 0.4%
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.2%▼ -0.2 percentage points vs 07-2025lowest value
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.3%▲ +0.1 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.3%▼ -0.2 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€751
Loss of €2,574, the second in a row (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €2,991
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 62, micro). It does better than 3% of them on solvency, 16% on liquidity, 5% on profitability and 2% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 7,639 companies had the same profile as CAPY has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CAPY itself is lower: 0.3% within 12 months. It rests on far more data about CAPY 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 7,639 companies, not a prediction for CAPY. 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
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€751
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
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
25 days late
2024
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 9 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- HOYAS Anthony 50 sharesdeed of 28-05-2024
- CASTAGNA HAASPER Raphael 50 sharesdeed of 28-05-2024
- EYCKERMANS Laurent 50 sharesdeed of 28-05-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1009663003
Incorporation
Founders: HOYAS Anthony, CASTAGNA HAASPER Raphael and EYCKERMANS Laurent · 150 shares · Appointment: HOYAS Anthony (director) · published on 28-05-2024 · Gazette deed
First establishment
Chemin du Cyclotron 6, Ottignies-Louvain-la-Neuve
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAPY Ottignies-Louvain-la-Neuve | €2,991 | -€2,066 | -25.1% | - |
| DAWNS TRADING Wavre | €3,244 | -€2,911 | -57.3% | - |
| H7A GLOBAL Kraainem | €2,990 | -€10,788 | -584.1% | - |
| AdHero Leuven | €3,090 | -€1,725 | 26.5% | - |
| SOCIALFLOW Hasselt | €2,704 | -€5,943 | -261.5% | - |
| I.V.I TECHNOLOGY Liège | €2,573 | -€676 | 99.4% | - |
| HOKU Schaerbeek | €2,519 | €653 | 4.9% | - |
These companies have the same main activity as CAPY: computer programming (NACE 62100). They are comparable in size and age: total assets between €2,520 and €3,240, founded in 2024.
Official details
Source: KBO- Status
- Active since 24-05-2024Normal situation
- Registered office
- 122 active companies are registered at this address9 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.360.124.2221348 Ottignies-Louvain-la-Neuve, since 24-05-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Annual accounts 2025
- -€2,066▼ 138%
- €2,574▲ 119%
- -€751
- €2,991▼ 7.2%
- Filing
- Filed on 25-08-2026
Insights on CAPY
CAPY has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€751) and a net result of -€2,574.
Its solvency ranks better than 10% of 3,405 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 25-08-2026, 25 days late-€2,066
▼ €1,197
-€2,574
▼ €1,397
-€2,574
▼ €1,397
-€2,745
▼ €2,066
-
-
Turnover and EBIT margin are not published. The abbreviated format does not require them.
Balance sheet
balance sheet total €2,991 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
2,991 | 3,223 | |
20 |
1,724 | 2,232 | |
21/28 |
270 | 270 | |
28 |
270 | 270 | |
29/58 |
997 | 721 | |
40/41 |
80 | 614 | |
40 |
- | 19 | |
41 |
80 | 595 | |
54/58 |
917 | 107 | |
| Balance sheet: equity and liabilities | |||
10/49 |
2,991 | 3,223 | |
10/15 |
-751 | 1,823 | |
10/11 |
3,000 | 3,000 | |
14 |
-3,751 | -1,177 | |
17/49 |
3,742 | 1,400 | |
42/48 |
3,742 | 1,400 | |
44 |
242 | - | |
440/4 |
242 | - | |
47/48 |
3,500 | 1,400 | |
| Income statement | |||
9900 |
-2,066 | -869 | |
630 |
508 | 308 | |
9901 |
-2,574 | -1,177 | |
9903 |
-2,574 | -1,177 | |
9904 |
-2,574 | -1,177 | |
9905 |
-2,574 | -1,177 | |
| Appropriation of the result | |||
9906 |
-3,751 | -1,177 | |
14P |
-1,177 | - | |
| Document | |||
The notes to these accounts have 2 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 2025 at the NBB, filed on 25-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 25 days after the deadline. Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00429927.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -2,066 | -869 | ||
| -2,066 | -869 | ||
| 508 | 270 | ||
| 810 | - | ||
| -2,745 | -679 |
The ratios are withheld because a balance sheet total of €2,991 is too small for a meaningful ratio.
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 | 2025 | 2024 |
|---|---|---|
| Financial fixed assets | - | €270 |
| €508 | €308 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on CAPY
The operating result for 2025 is a loss of €2,574, larger than the loss of €1,177 in 2024.
Equity is negative. Debt (€3,742) exceeds the balance-sheet total (€2,991).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 28-05-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayHOYAS Anthony
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- HOYAS Anthony
- Director (not named in the articles), appointed by deed of 28-05-2024, still in office
Control
Founders
HOYAS Anthony, CASTAGNA HAASPER Raphael, EYCKERMANS Laurent
This company
CAPY
Equity -€751
Loss €2,574 in 2025
Capital
- Contribution
- €3,000
- Shares
- 150
- Contribution per share
- €20
- Equity per share
- -€5.01 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 28-05-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Avec ou sans limitation, assemblée générale à unanimité avec motifs sans indemnité”
Shareholders
At incorporation
deed of 28-05-2024 ↗
- HOYAS Anthony 50 shares (33.3%)
- CASTAGNA HAASPER Raphael 50 shares (33.3%)
- EYCKERMANS Laurent 50 shares (33.3%)
Network & group
No group
CAPY has no parent and no holdings in its annual accounts. HOYAS Anthony is the only director. CAPY shares no director with another company.
At the same address
chemin du Cyclotron 6, 1348 Ottignies-Louvain-la-Neuve · 121 other companies| Tradeshift
registered office since 05-12-2018 · founded in 2018 · accounts filed late |
total assets €30.3m (2025) 0715.506.048 |
| Tradeshift Belgium
registered office since 16-03-2007 · founded in 2007 · accounts filed late |
17 FTE (2025) 0887.442.805 |
| NETERIUM
registered office since 20-07-2017 · founded in 2017 |
total assets €7.0m (2025) 0678.541.625 |
| JFJ IMMO
registered office since 21-02-2020 · founded in 2020 |
total assets €6.9m (2025) 0743.972.182 |
| KARNO
establishment since 28-09-2021 · founded in 2021 |
7.1 FTE (2025) 0774.713.759 |
| BiocSol
establishment since 20-12-2023 · founded in 2023 |
3.1 FTE (2025) 1003.683.546 |
| Centre d'entreprises et d'innovation de Louvain la Neuve
registered office since 04-05-2004 · founded in 2004 |
11 FTE (2025) 0865.087.471 |
| Simplycure
establishment since 25-07-2021 · founded in 2016 |
6.6 FTE (2025) 0665.835.813 |
| RENSHAW EUROPE
registered office since 21-02-2013 · founded in 2013 |
1 FTE (2023) 0518.960.688 |
| INCIZE
registered office since 14-03-2014 · founded in 2014 |
3 FTE (2025) 0548.752.952 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBabbreviated format · 25 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1009663003
Annual accounts 2024 filed NBBabbreviated format · 8 days before the deadline
2024
IncorporationFounders: HOYAS Anthony, CASTAGNA HAASPER Raphael and EYCKERMANS Laurent · 150 shares · Appointment: HOYAS Anthony (director) · published on 28-05-20248 points ▸
- Founder, HOYAS Anthony
- Founder, CASTAGNA HAASPER Raphael
- Founder, EYCKERMANS Laurent
- 150 shares
- Registered office clause, Chemin du Cyclotron 6, 1348 Ottignies-Louvain-la-Neuve
- Board rule, 1, 4
- Director appointment, HOYAS Anthony (director (not named in the articles))
- Power of attorney, Jean-Pierre DERUE
- The deed holds 3 more points.
First establishment Chemin du Cyclotron 6, Ottignies-Louvain-la-Neuve
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 24 May 2024, CAPY was incorporated as a private limited company by three natural persons.12 HOYAS Anthony is director of the company, appointed by deed of 28-05-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1009.663.003
- VAT number
- BE 1009.663.003
- Peppol ID
- 0208:1009663003
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-05-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 22-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CAPY in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-05-2024 (in French)
Activities
NACEBEL 202562100
Computer programming main activity
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
62030
Computer programming, consultancy and related activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Laconception,ledéveloppement,lacommercialisationetlaventedelogiciels,ainsiquelafournituredeservicesconnexes,destinésàrépondreauxbesoinsspéci…”deed of 28-05-2024 (in French)
15 activities
- Laconception,ledéveloppement,lacommercialisationetlaventedelogiciels,ainsiquelafournituredeservicesconnexes,destinésàrépondreauxbesoinsspécifiquesdesesclients,qu'ilssoiententreprises,entitéspubliques,particuliersoutouteautrepersonneintéressée,enBelgiquecommeàl'étranger,pourcomptepropreoucomptedetiersouenparticipationaveceux-ci.
- Lacréationdesolutionslogiciellesadaptéesauxbesoinsdesesclients,deAàZ,enproposantunegammedeservicescomprenant,maissanss'ylimiter;
- Lacréationdesolutionslogiciellessurmesurerépondantauxbesoinsspécifiquesdechaqueclient;
- L'élaborationdeplansetdeconseilspouraiderlesclientsàatteindreleursobjectifs;
- Laconceptionetledesigndelogicielsetdesystèmesd'information;
- Ledéveloppementdelogicielsetd'applicationsweb;
- Lagestiondedonnéesetlamiseenplacedesystèmesdegestiondedonnées;
- Lamiseenplaceetlagestiondeserveursetd'infrastructuresinformatiques;
- Lamiseenplace,larechercheetledéveloppementdel'intelligenceartificielleetl'apprentissageautomatiquepouraméliorerlesprocessusmmétier,délivrerdel'informationouencoregérerducontenu;
- Laformationetlesupporttechniquepouraiderlesclientsàutilisernoslogicielsetnosservices;
- Lamiseàjouretlamaintenancerégulièredenoslogicielsetdenosservicespourgarantirleursécuritéetleurfiabilité.
- L'offredeservicesinformatiquestelsquelavente,laconsultance,laformation,lacréationgraphiqueetinformatique;
- L’importation,l’exportation,ladistribution,laventeengrosouendétail,lalocation,lamaintenancelaréparationdetoutmatérieloulogicielouprogrammeayantunrapportquelconqueavecl’informatiqueetlestélécommunications;
- Laconception,ledéveloppement,l'hébergementetlacommercialisationdesitesinternet etdetousservicesetproduitsquiy sontliéstantpourellequepourlecomptedetiers;
- Leconseil,laconception,laréalisation,lamiseenœuvreetlaventedeproduits,desolutionsetservicesd’informationetdecommerceélectronique.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chemin du Cyclotron 6 registered office 1348 Ottignies-Louvain-la-Neuve | 24-05-2024 | 2.360.124.222 |
Buildings and parcels at the address
- Ground area
- 4.0 ha
- Buildings
- 1.2 ha
- Volume, LiDAR
- 100,446 m³
- Tallest building
- 34.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25386B0152/00N000 | 4.0 ha | 1 · 1.2 ha | 34.9 m · 2 |