Financials
- Fiscal year
- 2025
- Total assets
- €169,789
- Profit
- €465
- Solvency
- -12.5%
Total assets▼ 49.9%
Net result
20192025
CARPDIEM
ActiveSummary
CARPDIEM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€21,299) and a net result of €465. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Computer programming
NACE 62100NACE 62010NACE 72100
Size
€169,789total assets 2025
- Equity
- -€21,299
- Profit
- €465
Turnover not published (abridged schema)
Structure
Accounts 38 d early0 of 6 deeds read
Why 54Capped at 59: negative equity- Negative equity -€21,299- No establishment unit in the KBO+ Size: total assets €169,789+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 23% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
12-7
equity -12.5% of total assets
Liquidity
45-8
short-term debt 22.4% · cash 2.3%
Profitability
38+20
return on assets 0.3%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 8 months
03-2026: 0.7%highest value
04-2026: 0.5%▼ -29.5% vs 03-2026lowest value
05-2026: 0.5%● 0.0% vs 04-2026lowest value
06-2026: 0.5%▲ +1.0% vs 05-2026
07-2026: 0.5%● 0.0% 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
- Negative equity -€21,299 raises the probability
- Size: total assets €169,789 lowers the probability for this profile
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
- No establishment unit in the KBO raises the probability
No credit on open account
Liquidity ample (current ratio 4.47 against 15.16 in 2024; short-term debt: 22.4% and cash: 2.3% of total assets), but equity is negative.
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 62, micro). Better than this share of them on solvency 7%, liquidity 20%, profitability 18%, growth against the median 46%. 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
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 18866 sector peers (2025).
NBB · sector comparisonPosition among 18866 sector peers
Solvency
better than 8%
← 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 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
37 d early
2023
40 d early
2022
5 d early
2021
40 d early
2020
37 d early
2019
3 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 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 23 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €465
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 30-04-2027
- 23-03-2026Annual accounts filed
- 30-09-2025Back to profit
- 24-03-2025Annual accounts filed
Company details
- Legal form
- Private limited company
- Activity
- Computer programmingNACE 62100
- Founded
- 08-02-2007
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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