Equity
-€306,370
Debts exceed assets in financial year 2025.
CAR.E
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 2000peak €118,344 (2018)
€74,362▲ 61.8%
lowest -€370,103 (2021)
€71,531▲ €133,331
peak €20,527 (2016)
-€306,370▲ €71,531
€325,555▼ 18.2%
Board2 names since 2021
1 directorDebruyne Johan
Documentsfilings and deeds
31-03-202630 days before the deadline
2025micro format
Gross margin from €45,947 to €74,362Back to profit: €71,531Equity from -€377,901 to -€306,370Debts from €397,939 to €325,555Cash from €9,419 to €2,306
Key points
from the 2025 annual accountsResult
€71,531 €71,531
Back in profit in 2025, after a loss of €61,800 in 2024.
Turnover
≈ €150,000 estimated
The micro format states no turnover.
Debts
€325,555 1,697% of the balance sheet
Financial debts 98%Suppliers 0%Taxes and wages 1%
Of this, €6,179 falls due within a year.
Liquidity
2.30 was 0.12 in 2024
Short-term debts fell from €108,536 to €6,179.
Position in the sector
-1596.9%
Lower solvency than 95% of companies in head offices and management consultancy. Sector median 55.5% · 39,342 companies.
Checked score
55
Fair
Financially stronger than 48% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% 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).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.1%▼ -0.1 percentage points vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%▲ +0.1 percentage points vs 04-2025highest value
06-2025: 0.3%● unchanged vs 05-2025highest value
07-2025: 0.3%● unchanged vs 06-2025highest value
08-2025: 0.3%● unchanged vs 07-2025highest value
09-2025: 0.3%● unchanged vs 08-2025highest value
10-2025: 0.3%● unchanged vs 09-2025highest value
11-2025: 0.3%● unchanged vs 10-2025highest value
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.2%▼ -0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€306,370
lowers risk
Size: total assets €19,185
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 31-03-2026)
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 70, micro). It does better than 3% of them on solvency, 38% on liquidity, 84% on profitability and 66% 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 30-09-2025.
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, 3,794 companies had the same profile as CAR.E has now. Each dot stands for 10 companies, two years later.
91.5%
were still trading
5.3%
stopped another way
2.7%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CAR.E itself is lower: 0.2% within 12 months. It rests on far more data about CAR.E 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 3,794 companies, not a prediction for CAR.E. 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
Liquidity is ample, with a current ratio of 2.3 (0.12 in 2024), above the usual 1.5. Short-term debt is 32.2% and cash 12% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 39342 sector peers (2025).
NBB · sector comparisonPosition among 39342 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 days early
2024
15 days early
2023
19 days early
2022
41 days early
2021
2 days early
2020
5 days late
2019
13 days late
← 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 13 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 12 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end07-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0466676995
Company renamed from CARé to CAR.E
Change of role: Debruyne Johan, from manager to statutory director · Appointment: De Buck, Liselotte Daniela Patrick (successor statutory director) · “zoals voorzien in het verslag van het bestuursorgaan” (deed in Dutch) · General meeting of 30-05-2023 · Gazette deed
First establishment
Wedekensdriesstraat 4, Kruisem
Incorporation
published on 31-08-1999 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAR.E Kruisem | €19,185 | €74,362 | -1596.9% | - |
| ARAMO INTERNATIONAL TRADE EXPERTS Saint-Josse-ten-Noode | €20,400 | €89,740 | -102.5% | - |
| Circular Financial Advice Lint | €25,031 | €84,512 | -52.8% | - |
| FINIMAS Andenne | €18,310 | €60,915 | 16.1% | - |
| PEOPLE CONSULTING & SERVICES Tournai | €22,194 | €65,956 | 49.8% | - |
| MOCK Brussels | €27,650 | €61,728 | -89.3% | - |
| Bloom Tongeren-Borgloon | €25,799 | €84,924 | 33.2% | - |
These companies have the same main activity as CAR.E: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €18,300 and €27,700, founded between 1998 and 2005.
Official details
Source: KBO- Status
- Active since 23-08-1999Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.131.936.6709770 Kruisem, since 30-05-2000
- Financial year end
- 30 September
- Peppol
- Reachable since 03-10-2025
Annual accounts to 30-09-2025
- €19,185▼ 4.3%
- Filing
- Filed on 31-03-2026, 30 days before the end of the filing period
Insights on CAR.E
CAR.E files the micro format. That format states no turnover. The gross margin rose from €43,433 in 2006 to €74,362 in 2025.
The balance sheet grew most from 2016 to 2018 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 CAR.E
- What is the company number of CAR.E?
- The company number of CAR.E is 0466.676.995. The VAT number is the same number with BE in front: BE 0466.676.995.
- Where is CAR.E based?
- The registered office is at Wedekensdriesstraat 4, 9770 Kruisem.Company details
- What does CAR.E do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of CAR.E?
- CAR.E is a private limited company (BV).
- When was CAR.E founded?
- CAR.E was founded on 23-08-1999.
- Is CAR.E still active?
- Yes, CAR.E is an active enterprise in the KBO register.
- What is the turnover of CAR.E?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €74,362 and 120 comparable companies (NACE 70200). It probably lies between €110,000 and €190,000.Financials
- Is CAR.E profitable?
- In financial year 2025, CAR.E made a profit of €71,531.
- Where can I find the annual accounts of CAR.E?
- CAR.E filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAR.E due?
- CAR.E must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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