Financials
- Financial year
- 2025
- Total assets
- €96,632
- Profit
- €7,799
- Solvency
- 23.6%
KARMA SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of KARMA SERVICES is 3.8% (moderate). The 2025 annual accounts show equity of €22,799 and a net result of €7,799. Its solvency ranks better than 35% of 5,655 sector peers (NACE 49, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
On-demand passenger transport by chauffeured vehicle
NACE 49330
1 site
Size
€96,632total assets 2025
- Equity
- €22,799
- Profit
- €7,799
Turnover not published (micro format)
Structure
Accounts filed 20 days late0 of 2 deeds read
Why 49raises riskFounded in 2024Sector: Land transport and transport via pipelines (NACE 49)Size: total assets €96,632lowers riskFigures for financial year 2025 (filed 20-08-2026)Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 40% of its sector peers (NACE 49, micro)
Financial strength
Average
Solvency
49
equity 23.6% of total assets
Liquidity
25
short-term debt 76.4% · cash 13.2%
Profitability
79
return on assets 8.1%
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 6.5%
11-2025: 6.6%▲ +0.1 percentage points vs 10-2025
12-2025: 6.7%▲ +0.1 percentage points vs 11-2025
01-2026: 7.1%▲ +0.4 percentage points vs 12-2025
02-2026: 7.6%▲ +0.5 percentage points vs 01-2026
03-2026: 7.6%● unchanged vs 02-2026
04-2026: 7.9%▲ +0.3 percentage points vs 03-2026
05-2026: 7.9%● unchanged vs 04-2026
06-2026: 7.7%▼ -0.2 percentage points vs 05-2026
07-2026: 7.8%▲ +0.1 percentage points vs 06-2026
08-2026: 8.1%▲ +0.3 percentage points vs 07-2026highest value
09-2026: 3.8%▼ -4.3 percentage points vs 08-2026lowest value
10-2026: 3.8%● unchanged vs 09-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.0, below the usual 1.5; short-term debt: 76.4% and cash: 13.2% of total assets), and 76.4% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro): better than 35% on solvency, 22% on liquidity and 63% on profitability.
The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
20 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- On-demand passenger transport by chauffeured vehicleNACE 49330
- Founded
- 06-09-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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