PointCaré
ActiveSummary
PointCaré has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of -€185,432. Equity is growing by ~16613.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▲+2
Solvency100▲+78
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90,000 at 30 days acceptable
Liquidity ample (current ratio 13.61 against 0.66 in 2024; short-term debt: 7.1% and cash: 92.8% of total assets), and 7.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.1%
Return on assets
-13.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 3 filingsDeviation from the deadline
2025
17 d late
2024
34 d early
2023
44 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.3m
2024 · -€273
Total assets
€1.4m▲ 13,815%
2024 · €9,864
Net result
-€185,432▼ 4,460%
2024 · -€4,067
Working capital
€1.2m
2024 · -€3,339
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€424--€3,526-€185,007▼ 5,147%
Net result€294within the sector's middle half--€4,067below the sector's middle half-€185,432below the sector's middle half▼ 4,460%
Equity€3,794below the sector's middle half--€273below the sector's middle half€1.3mwithin the sector's middle half
Total assets€9,735below the sector's middle half-€9,864below the sector's middle half▲ 1.3%€1.4mwithin the sector's middle half▲ 13,815%
Debt€5,941-€10,137▲ 70.6%€108,267▲ 968%
Working capital€1,611within the sector's middle half--€3,339within the sector's middle half€1.2mwithin the sector's middle half
Solvency39.0%within the sector's middle half--2.8%below the sector's middle half▼ 41.7pp92.1%above the sector's middle half▲ 94.9pp
Current ratio1.27within the sector's middle half-0.66below the sector's middle half▼ 0.6113.61above the sector's middle half▲ 12.95
Return on assets (ROA)3.0%within the sector's middle half--41.2%below the sector's middle half▼ 44.2pp-13.5%below the sector's middle half▲ 27.7pp
Staff (FTE)1.2below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Net result -4,460% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €185,007 in 2025 against €3,526 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€50,108 ▲ 1,431%
Current assets
€1.3m ▲ 19,964%
Equity and liabilities €1.4m
Equity
€1.3m
Debt
€108,267
Debt finances 7.9% of the balance-sheet total.
Key figures and ratios
EBITDA
-€180,928▼
2024 · -€2,215
Cash flow
-€181,353▼
2024 · -€2,756
Debt to equity
0.09
ROE
-14.7%
Interest coverage
-513.14▼
2024 · -4.10
Debt ≤ 1 year
€97,171▲
2024 · €9,930
Income taxes
€73
Staff costs
€76,126
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,227 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 87% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.9%
went bankrupt
8.6%
stopped otherwise
87%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,227 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €180 | - | - |
| Remuneration, social security and pensions62 | - | - | €76,126 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €291 | €1,311 | €4,079 | ▲ 211% |
| Other operating charges640/8 | €425 | €516 | €519 | ▲ 0.7% |
| Non-recurring operating charges66A | - | €612 | - | - |
| Gross operating margin9900 | €1,140 | -€1,088 | -€104,283 | ▼ 9,487% |
| Operating profit (loss)9901 | €424 | -€3,526 | -€185,007 | ▼ 5,147% |
| Financial income75/76B | €1 | - | €1 | - |
| Recurring financial income75 | €1 | - | €1 | - |
| Financial charges65/66B | €131 | €541 | €353 | ▼ 34.8% |
| Recurring financial charges65 | €131 | €541 | €353 | ▼ 34.8% |
| Profit (loss) for the period before taxes9903 | €294 | -€4,067 | -€185,359 | ▼ 4,458% |
| Income taxes67/77 | - | - | €73 | - |
| Profit (loss) for the period9904 | €294 | -€4,067 | -€185,432 | ▼ 4,460% |
| Profit (loss) for the period to be appropriated9905 | €294 | -€4,067 | -€185,432 | ▼ 4,460% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €9,735 | €9,864 | €1.4m | ▲ 13,815% |
| Fixed assets21/28 | €2,182 | €3,273 | €50,108 | ▲ 1,431% |
| Intangible fixed assets21 | - | - | €7,236 | - |
| Tangible fixed assets22/27 | €2,182 | €3,273 | €42,872 | ▲ 1,210% |
| Plant, machinery and equipment23 | - | - | €35,874 | - |
| Furniture and vehicles24 | €2,182 | €3,273 | €6,998 | ▲ 114% |
| Current assets29/58 | €7,552 | €6,591 | €1.3m | ▲ 19,964% |
| Amounts receivable within one year40/41 | €250 | €6,247 | €30,120 | ▲ 382% |
| Trade receivables40 | €250 | €654 | - | - |
| Other amounts receivable41 | - | €5,592 | €30,120 | ▲ 439% |
| Cash at bank and in hand54/58 | €6,723 | €345 | €1.3m | ▲ 369,247% |
| Deferred charges and accrued income490/1 | €580 | - | €18,938 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €9,735 | €9,864 | €1.4m | ▲ 13,815% |
| Equity10/15 | €3,794 | -€273 | €1.3m | ▲ 462,873% |
| Contributions10/11 | €3,500 | €3,500 | €1.5m | ▲ 41,429% |
| Profit (loss) carried forward14 | €294 | -€3,773 | -€189,205 | ▼ 4,914% |
| Amounts payable17/49 | €5,941 | €10,137 | €108,267 | ▲ 968% |
| Amounts payable within one year42/48 | €5,941 | €9,930 | €97,171 | ▲ 879% |
| Financial debts43 | - | €4,434 | - | - |
| Credit institutions430/8 | - | €4,434 | - | - |
| Trade debts44 | €679 | €236 | €75,471 | ▲ 31,932% |
| Suppliers440/4 | €679 | €236 | €75,471 | ▲ 31,932% |
| Taxes, remuneration and social security45 | - | - | €21,633 | - |
| Taxes450/3 | - | - | €872 | - |
| Remuneration and social security454/9 | - | - | €20,761 | - |
| Other amounts payable47/48 | €5,262 | €5,261 | €66 | ▼ 98.7% |
| Accrued charges and deferred income492/3 | - | €207 | €11,096 | ▲ 5,257% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €294 | -€4,067 | -€185,432 | ▼ 4,460% |
| + Depreciation and write-downs630 | €291 | €1,311 | €4,079 | ▲ 211% |
| Operating cash flow (approximation) | €585 | -€2,756 | -€181,353 | ▼ 6,481% |
| Investment in fixed assets (approximation) | - | -€2,402 | -€50,914 | ▼ 2,020% |
| Change in cash | - | -€6,378 | €1.3m | ▲ 20,060% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet -€185,432
Net result drops to -€185,432, the lowest in the series.
31-12
Financial
Liquidity times 21current ratio 13.61
Current ratio from 0.66 to 13.61.
31-12
Financial
Equity above €1mEq €1.3m
Equity rises from -€273 to €1.3m.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2022
Ground area
359 m²
Building footprint
282 m²
Volume, LiDAR
4,501 m³
Parcel 44805E0287/00N000, Flanders · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
20
companies at this address
See who is registered here
1 establishment unit
PointCaré
since 20222.331.401.730
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0287/00N000 | Flanders | 359 m² | 1 · 282 m² | 20.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 750,102 EUR awarded · 337,328 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 699,774 EUR | 287,000 EUR |
| 2024 | 1 | 50,000 EUR | 50,000 EUR |
| 2023 | 1 | 328 EUR | 328 EUR |
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Of 11,672 companies in sector 85599 we hold annual accounts for 1,330. 463 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
85599Other education
47400Retail sale of information and communication equipment
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
64210Activities of holding companies
95100Repair and maintenance of computers and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0785339120
Registered
02-05-2022
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.