CARHAT CONSULTING

Active

Private limited companyfounded 20206 yrs activeRue de Velaine 89, 5300 Andenne, BelgiumKBO/BCE: BE 0743.387.016

Summary

CARHAT CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248,904 and a net result of €104,485. Equity is growing by ~61.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

CARHAT CONSULTINGActiveChecked score 98/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€293,165total assets 2025

Staff: 0.5 FTE
Equity: €248,904
Profit: €104,485

Turnover not published (abridged schema)

Financial health

98 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 2 d early0 of 1 deed read

Why 98+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 6.41, cash €81,781+ Equity €248,904 (84.9% of total assets)+ Size: total assets €293,165Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Better than 81% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+5

equity 84.9% of total assets

Liquidity 82+19

short-term debt 15.1% · cash 27.9%

Profitability 100=

return on assets 35.6%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (47,477 companies)

Last 11 months 12-2025: < 0.1% 01-2026: < 0.1%▲ +2.8% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +5.4% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +7.7% vs 06-2026highest value 08-2026: < 0.1%▼ -31.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Liquidity: current ratio 6.41, cash €81,781 lowers the probability
Equity €248,904 (84.9% of total assets) lowers the probability
Size: total assets €293,165 lowers the probability for this profile

Credit up to €24,000 at 30 days acceptable

Liquidity ample (current ratio 6.41 against 3.22 in 2024; short-term debt: 15.1% and cash: 27.9% of total assets), and 15.1% 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 70, micro). Better than this share of them on solvency 86%, liquidity 73%, profitability 85%, growth against the median 80%. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 6.41, cash €81,781

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €248,904 (84.9% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €293,165

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

2 d early

2024

24 d early

2023

26 d early

2022

11 d early

2021

17 d late

2020

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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 20 July (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

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

29-07-26 Annual accounts filedfiscal year 2025 · micro…
16-07-26 General meeting · Director resignationDirector discharge · Director appointment
31-12-25 Highest result since 2020net €104,485 ▲56.8%

Key points

Positive: Among the best 14% on net resultsector median €26,813 · 34,947 companies €104,485 View
Positive: Equity rose in 2025from €164,419 to €248,904 ▲ 51.4% View
Positive: 6 profitable years in a rowprofit 2025: €104,485 6 years View
Positive: Always filed on timeaccounts within the deadline every year 4 years View