Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PROCARD from Kluisbergen, company number BE0863990480, closed financial year 2025 with a result of € -4,194 after tax. For that financial year PROCARD recorded a gross margin of € -582 and equity of € -29,003. Compared with financial year 2024, the result moved from € 110 to € -4,194. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 16, 2026.
€ -29,003
▼ € 4,194 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,194
▼ still € 110 profit in 2024
Profit after tax over the fiscal year.
€ 0
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -48,003.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 4,889
▼ 2% vs 2024
Loans from banks and other lenders, long and short.
€ 8,221
▲ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,778
▲ 97% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -21,948 | € -10,054 | € 2,968 | € -582 | ▼ € 3,551 |
| Profit after taxes | € -25,351 | € -12,796 | € 110 | € -4,194 | ▼ € 4,304 |
| Equity | € -12,123 | € -24,919 | € -24,809 | € -29,003 | ▼ € 4,194 |
| Total debts | € 31,667 | € 40,605 | € 35,976 | € 39,173 | ▲ 9% |
| Cash | € 3 | € 17 | - | € 0 | |
| Retained profit | € -31,123 | € -43,919 | € -43,809 | € -48,003 | ▼ € 4,194 |
| Bank debt | € 4,881 | € 4,931 | € 4,985 | € 4,889 | ▼ 2% |
| Balance sheet total | € 19,544 | € 15,686 | € 11,167 | € 10,170 | ▼ 9% |
Key figures of PROCARD, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to PROCARD?
What happened at PROCARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4,194 (▼ € 4,304 vs 2024). Source: NBB ↗
- New establishment in Kluisbergen. KBO
- Start of the company according to the CBE. KBO
In short
From € 25,351 loss in 2022 to € 4,194 loss in 2025.
Best year ever: 2024, with € 110 profit.
Management
Behind PROCARD is Yves D'Hondt.
Directors
According to the 2025 annual accounts
Yves D'Hondt
Director
Establishments
Establishment units
Physical locations of this company
Bergstraat 8
9690 Kluisbergen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0863.990.480
- VAT number
- BE 0863.990.480
- Registered office
- Bergstraat 8, 9690 Kluisbergen
- Names & denominations
- PROCARD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 March 2004
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)
Groothandel in motorvoertuigen
Groothandel in auto's en lichte bestelwagens (= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Handelsbemiddeling in de niet-gespecialiseerde groothandel
Onderhoud en reparatie van auto's
Handelsbemiddeling in goederen, algemeen assortiment
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)