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CARFIDENCE

Active
Public limited companyfounded 201312 yrs activeSint-Truidersteenweg 393, 3500 Hasselt, BelgiumKBO/BCE: BE 0541.820.521
Summary

CARFIDENCE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €181,564 and a net result of -€30,436. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 95% of 5451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
CARFIDENCEActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of cars and light vans (up to 3.5 tonnes)
NACE 46711NACE 45111Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811
1 site
Size
€193,200total assets 2025
Equity
€181,564
Loss
-€30,436
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.5%
Structure
Parent
Immo Holding de Schaetzen · 100%
Accounts 44 d early0 of 10 deeds read
Why 85- Loss of €30,436 (FY 2025)- 1 change of registered office in 24 months+ Liquidity: current ratio 11.56, cash €43,968, halved+ Equity €181,564 (94.0% of total assets)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 68% 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
Average
Solvency 100+100
equity 94.0% of total assets
Liquidity 78+28
short-term debt 6.0% · cash 22.8%
Profitability 0-39
return on assets -15.8%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)
Last 16 months 07-2025: 0.3% 08-2025: 0.2%▼ -11.8% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -14.2% vs 12-2025lowest value 02-2026: 0.2%● 0.0% vs 01-2026lowest value 03-2026: 0.5%▲ +152% vs 02-2026 04-2026: 0.5%▼ -3.0% vs 03-2026 05-2026: 0.6%▲ +21.0% vs 04-2026highest value 06-2026: 0.6%▼ -3.0% vs 05-2026 07-2026: 0.5%▼ -22.5% vs 06-2026 08-2026: 0.5%● 0.0% vs 07-2026 09-2026: 0.5%● 0.0% vs 08-2026 10-2026: 0.5%● 0.0% vs 09-2026
  • Loss of €30,436 (FY 2025) raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Liquidity: current ratio 11.56, cash €43,968, halved lowers the probability
  • Equity €181,564 (94.0% of total assets) lowers the probability
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 11.56 against 0.33 in 2024; short-term debt: 6% and cash: 22.8% of total assets), and 6% 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 90%, liquidity 81%, profitability 6%, growth against the median 95%. 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 · Loss of €30,436 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Liquidity: current ratio 11.56, cash €43,968, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €181,564 (94.0% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
44 d early
2024
45 d early
2023
37 d early
2022
41 d early
2021
47 d early
2020
43 d early
2019
9 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 38 days before 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 17 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 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 · full…
  2. Liquidity times 35current ratio 11.56
  3. Equity above €150,000Eq €181,564

Key points

  • Positive: Among the best 5% on solvencysector median 45.7% · 5,451 companies 94.0% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by Immo Holding de Schaetzenknown shareholders 100% 100% View

By topic

Financials

Fiscal year
2025
Total assets
€193,200
Loss
-€30,436
Solvency
94.0%
Total assets▼ 15.1%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 17-06-2026Annual accounts filed
  2. 31-12-2025Liquidity times 35
  3. 31-12-2025Equity above €150,000
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of cars and light vans (up to…NACE 46711
Founded
06-11-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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