CARTIRIK

Active

Public limited companyfounded 200026 yrs activeHippoliet Van Peenestraat 64, 9030 Gent, BelgiumKBO/BCE: BE 0471.485.128

Summary

CARTIRIK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €932,299 and a net result of €175,848. Equity is growing by ~26% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

CARTIRIKActiveChecked score 96/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€1.4mtotal assets 2025

Equity: €932,299
Profit: €175,848

Turnover not published (abridged schema)Net result +1,827%: other schema

Financial health

96 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 25 d late0 of 4 deeds read

Why 96- 1 change of registered office in 24 months+ Size: total assets €1.4m+ Liquidity: current ratio 11.60, cash €1.2m+ Figures for FY 2025 (filed 25-08-2026)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Better than 75% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 93-2

equity 68.0% of total assets

Liquidity 100=

short-term debt 7.5% · cash 87.5%

Profitability 85+15

return on assets 12.8%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%▲ +10.7% vs 12-2024 02-2025: 0.1%▲ +2.4% vs 01-2025 03-2025: 0.1%▲ +1.2% vs 02-2025 04-2025: 0.3%▲ +217% vs 03-2025 05-2025: 0.3%▲ +9.2% vs 04-2025 06-2025: 0.3%▲ +8.1% vs 05-2025 07-2025: 0.4%▲ +15.8% vs 06-2025 08-2025: 0.6%▲ +60.6% vs 07-2025 09-2025: 0.2%▼ -59.3% 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: 0.3%▲ +10.2% vs 12-2025 02-2026: 0.3%▲ +1.9% vs 01-2026 03-2026: 0.3%▲ +9.9% vs 02-2026 04-2026: 0.3%▼ -6.3% vs 03-2026 05-2026: 0.3%▲ +14.9% vs 04-2026 06-2026: 0.3%▲ +7.4% vs 05-2026 07-2026: 0.4%▲ +14.4% vs 06-2026 08-2026: 0.7%▲ +66.6% vs 07-2026highest value 09-2026: 0.1%▼ -83.7% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Size: total assets €1.4m lowers the probability for this profile
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 11.60, cash €1.2m lowers the probability
Figures for FY 2025 (filed 25-08-2026) lowers the probability

Credit up to €85,000 at 30 days acceptable

Liquidity ample (current ratio 11.6 against 35.95 in 2024; short-term debt: 7.5% and cash: 87.5% of total assets), and 32% 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 (no NACE code, micro). Better than this share of them on solvency 57%, liquidity 95%, profitability 68%, growth against the median 78%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Size: total assets €1.4m

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

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 11.60, cash €1.2m

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2025 (filed 25-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filings

Deviation from the deadline

2025

25 d late

2024

21 d late

2023

58 d late

2022

31 d late

2021

25 d late

2020

30 d late

2019

134 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 8 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 25 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 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