Financials
- Fiscal year
- 2025
- Total assets
- €99,458
- Profit
- €9,738
- Solvency
- 19.8%
CARHUB
ActiveSummary
The computed 12-month bankruptcy probability of CARHUB is 4.7% (elevated). The 2025 annual accounts show equity of €19,738 and a net result of €9,738. Its solvency ranks better than 38% of 22044 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€99,458total assets 2025
- Equity
- €19,738
- Profit
- €9,738
Turnover not published (abridged schema)
Structure
Accounts filed 59 d late1 of 2 deeds read
Why 38- Founded in 2025- Liquidity: current ratio 0.73, cash €26- Latest accounts 59 days late; 1 of the last 3 late- Sector Retail trade (NACE 47)Show the evidence
Checked score
Score 2025
38
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 39% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
45
equity 19.8% of total assets
Liquidity
8
short-term debt 77.8% · cash 0.0%
Profitability
81
return on assets 9.8%
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 1.8%lowest value
05-2026: 1.8%● 0.0% vs 04-2026lowest value
06-2026: 1.9%▲ +4.8% vs 05-2026
07-2026: 2.2%▲ +16.8% vs 06-2026
08-2026: 2.3%▲ +5.7% vs 07-2026
09-2026: 2.6%▲ +10.3% vs 08-2026
10-2026: 4.7%▲ +82.0% vs 09-2026highest value
- Founded in 2025 raises the probability for this profile
- Liquidity: current ratio 0.73, cash €26 raises the probability
- Latest accounts 59 days late; 1 of the last 3 late raises the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.73; short-term debt: 77.8% and cash: 0% of total assets), and 80.2% 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 47, micro). Better than this share of them on solvency 36%, liquidity 9%, profitability 73%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
59 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: EL KANDOUSSI OUSSAMA (director)Director discharge
Key points
By topic
Timeline
- Events
- 2
- Since
- 2026
- 28-09-2026Annual accounts filed
- 30-01-2026Resignation: EL KANDOUSSI OUSSAMA (director)
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 19-03-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
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