Equity
-€15,494
Debts exceed assets in financial year 2025.
CARE et CURE
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999peak €806,957 (2014)
€404,595▼ 3.2%
lowest -€116,160 (2019)
-€41,859▼ €38,746
peak €212,776 (2017)
-€15,494▼ €41,859
€257,376▼ 45.4%
peak 11.6 FTE (2014)
6.6 FTE▼ 14.3%
Board5 names since 2018
4 directorsIQ Group SRL and 3 others
Owners
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Loss of €41,859Staff from 7.7 FTE to 6.6 FTEEquity from €26,365 to -€15,494Debts from €471,235 to €257,376Cash from €20,144 to €45,641
Key points
from the 2025 annual accountsLosses
-€81,117 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€257,376 106% of the balance sheet
Financial debts 31%Suppliers 44%Taxes and wages 15%Other 10%
Of this, €178,891 falls due within a year.
Staff
6.6 FTE from 11.6 in 2014
Between 2014 and 2025, 43% of the full-time equivalents disappeared.
Board
2 joined · 2 left
Board changed. Latest change 23-02-2026 · 3 in office.
Position in the sector
-€15,494
Less equity than 95% of companies in specialised construction. Sector median €250,150 · 9,975 companies.
2025 accounts filed 31 days after the deadline
Checked score
33
Weak
Financially stronger than 9% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.2% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.9%
01-2025: 4.9%● unchanged vs 12-2024
02-2025: 4.9%● unchanged vs 01-2025
03-2025: 4.8%▼ -0.1 percentage points vs 02-2025
04-2025: 4.7%▼ -0.1 percentage points vs 03-2025
05-2025: 4.7%● unchanged vs 04-2025
06-2025: 4.4%▼ -0.3 percentage points vs 05-2025
07-2025: 4.7%▲ +0.3 percentage points vs 06-2025
08-2025: 5.7%▲ +1.0 percentage point vs 07-2025
09-2025: 6.0%▲ +0.3 percentage points vs 08-2025
10-2025: 6.6%▲ +0.6 percentage points vs 09-2025highest value
11-2025: 3.3%▼ -3.3 percentage points vs 10-2025
12-2025: 3.3%● unchanged vs 11-2025
01-2026: 3.3%● unchanged vs 12-2025
02-2026: 3.3%● unchanged vs 01-2026
03-2026: 3.2%▼ -0.1 percentage points vs 02-2026
04-2026: 3.2%● unchanged vs 03-2026
05-2026: 3.2%● unchanged vs 04-2026
06-2026: 3.0%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 3.1%▲ +0.1 percentage points vs 06-2026
08-2026: 4.1%▲ +1.0 percentage point vs 07-2026
09-2026: 6.2%▲ +2.1 percentage points vs 08-2026
10-2026: 6.2%● unchanged vs 09-2026
11-2026: 6.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€15,494
Loss of €41,859, the second in a row (financial year 2025)
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Liquidity: current ratio 1.19, cash €45,641
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 43, micro). It does better than 7% of them on solvency, 22% on liquidity, 4% on profitability and 2% on growth.
The bankruptcy probability was computed on 09-11-2026 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 elevated class on 30-06-2025, 6.3% 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, 6,619 companies had the same profile as CARE et CURE has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CARE et CURE itself is higher: 6.2% within 12 months. It rests on far more data about CARE et CURE 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 6,619 companies, not a prediction for CARE et CURE. 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 tight, with a current ratio of 1.19 (1.23 in 2024), below the usual 1.5. Short-term debt is 74% and cash 18.9% of total assets. 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 risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€15,494
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 days late
2024
71 days late
2023
30 days late
2022
70 days late
2021
31 days late
2020
90 days late
2019
140 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 66 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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. The company usually files around 31 August (4 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: Rudy DESCHUYTENEER (director)
General meeting of 26-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464185382
Registered office moved from Waterloo to Nivelles
New registered office: Rue de Charleroi 31 boîte 7, 1400 Nivelles · Previous registered office: Chaussée de Bruxelles 14, 1410 Waterloo · Appointments: IQ Group SRL (sole director); BILLETTE DE VILLEMEUR, Benoît Louis Marie (managing director); WILLEMS, David Dominique Stéphane Louis (managing director) and DESCHUYTENEER, Rudy · General meeting of 24-12-2025 · Gazette deed
Security firm approval (alarm systems) renewed
Decision of 28-08-2024, published on 22-11-2024
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CARE et CURE Nivelles | - | - | -6.4% | 6.6 |
| ACM Clima Tubize | - | - | 56.4% | 6.9 |
| A. GALAN ET FILS Saint-Ghislain | - | - | 70.1% | 10 |
| EURO ELEVATORS BENELUX Courcelles | €799,107 | 1.0% | 47.2% | 6.7 |
| HOBELEC Brussels | €294,794 | 14.1% | 79.7% | 4 |
| STAMO Kortenberg | - | - | 87.3% | 3.5 |
| BRIAR Zaventem | - | - | 85.9% | 3 |
These companies have the same main activity as CARE et CURE: other construction installation (NACE 43240). They are comparable in size and age: total assets between €180,000 and €505,000, founded between 1985 and 2004.
Official details
Source: KBO- Status
- Active since 21-09-1998Normal situation
- Activity
- Other construction installationNACE 43240and 1 other
- Joint committees
- 200Auxiliary committee for white-collar workers
- 149.01Electricians: installation and distribution · annual accounts 2025
- Establishment unit
- 2.088.739.8971410 Waterloo, since 07-10-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 08-01-2026
Annual accounts 2025
- ≈ €1.0mestimated
- €241,882▼ 51.4%
- Employeeson 31-12-2025
- 6▼ 14.3%
- Filing
- Filed on 31-08-2026
Insights on CARE et CURE
CARE et CURE files the abbreviated format. That format states no turnover. The gross margin rose from €305,363 in 2006 to €404,595 in 2025.
ALARMNET holds all the shares. In January 2026, the Official Gazette published the appointment of BILLETTE DE VILLEMEUR, Benoît Louis Marie as managing director.
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 CARE et CURE
- What is the company number of CARE et CURE?
- The company number of CARE et CURE is 0464.185.382. The VAT number is the same number with BE in front: BE 0464.185.382.
- Where is CARE et CURE based?
- The registered office is at Rue de Charleroi 31, 1400 Nivelles.Company details
- What does CARE et CURE do?
- According to the KBO register, the main activity is other construction installation (NACE 43240).
- What is the legal form of CARE et CURE?
- CARE et CURE is a private limited company (BV).
- When was CARE et CURE founded?
- CARE et CURE was founded on 21-09-1998.
- Is CARE et CURE still active?
- Yes, CARE et CURE is an active enterprise in the KBO register.
- How many employees does CARE et CURE have?
- CARE et CURE had an average of 6.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CARE et CURE fall under?
- In its 2025 annual accounts, CARE et CURE states joint committees 200 (Auxiliary committee for white-collar workers) and 149.01 (Electricians: installation and distribution).
- What is the turnover of CARE et CURE?
- The turnover in financial year 2025 is ≈ €1.0m. This figure is estimated from the gross margin of €404,595 and 46 comparable companies (NACE 432). It probably lies between €880,000 and €1.3m.
- Is CARE et CURE profitable?
- In financial year 2025, CARE et CURE made a loss of €41,859.
- Where can I find the annual accounts of CARE et CURE?
- CARE et CURE filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CARE et CURE due?
- CARE et CURE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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