CARDALIS
ActiveSummary
CARDALIS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€87,367) and a net result of -€20,593. Equity is shrinking by ~41.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability26▲+6
Solvency18▼-2
Growth58=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.02 in 2024; short-term debt: 53.2% and cash: 0% of total assets), and equity is negative.
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Signals
Six 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-7%
Return on assets
-1.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€87,367
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
21 d early
2023
54 d late
← 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 after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€87,367▼ 30.8%
2024 · -€66,774
Total assets
€1.2m▲ 2.1%
2024 · €1.2m
Net result
-€20,593▲ 40.3%
2024 · -€34,519
Working capital
-€657,749▼ 10.9%
2024 · -€593,299
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, 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-€24,670-€744€10,758▲ 1,347%
Net result-€37,254below the sector's middle half--€34,519below the sector's middle half▲ 7.3%-€20,593below the sector's middle half▲ 40.3%
Equity-€32,254below the sector's middle half--€66,774below the sector's middle half▼ 107%-€87,367below the sector's middle half▼ 30.8%
Total assets€1.2mabove the sector's middle half-€1.2mabove the sector's middle half▼ 1.3%€1.2mabove the sector's middle half▲ 2.1%
Debt€1.3m-€1.3m▲ 1.4%€1.3m▲ 3.6%
Working capital-€528,035--€593,299▼ 12.4%-€657,749▼ 10.9%
Solvency-2.6%below the sector's middle half--5.5%below the sector's middle half▼ 2.9pp-7.0%below the sector's middle half▼ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 1,347% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.2m ▲ 2.8%
Current assets
€2,921 ▼ 75.3%
Key figures and ratios
EBITDA
€34,544▲
2024 · €21,510
Cash flow
€3,193▲
2024 · -€13,753
Current ratio
0.00▼
2024 · 0.02
Debt to equity
-15.20▲
2024 · -19.21
ROA
-1.7%▲
2024 · -2.8%
Interest coverage
1.10▲
2024 · 0.61
Debt ≤ 1 year
€660,670▲
2024 · €605,115
Debt > 1 year
€660,055▼
2024 · €670,132
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,352 | €20,767 | €23,786 | ▲ 14.5% |
| Other operating charges640/8 | €1,240 | €3,616 | €2,673 | ▼ 26.1% |
| Non-recurring operating charges66A | - | - | €9 | - |
| Gross operating margin9900 | €4,921 | €25,126 | €37,227 | ▲ 48.2% |
| Operating profit (loss)9901 | -€24,670 | €744 | €10,758 | ▲ 1,347% |
| Financial charges65/66B | €12,584 | €35,263 | €31,351 | ▼ 11.1% |
| Recurring financial charges65 | €12,584 | €35,263 | €31,351 | ▼ 11.1% |
| Profit (loss) for the period before taxes9903 | -€37,254 | -€34,519 | -€20,593 | ▲ 40.3% |
| Profit (loss) for the period9904 | -€37,254 | -€34,519 | -€20,593 | ▲ 40.3% |
| Profit (loss) for the period to be appropriated9905 | -€37,254 | -€34,519 | -€20,593 | ▲ 40.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.2m | €1.2m | €1.2m | ▲ 2.1% |
| Fixed assets21/28 | €1.2m | €1.2m | €1.2m | ▲ 2.8% |
| Tangible fixed assets22/27 | €514,330 | €503,905 | €537,791 | ▲ 6.7% |
| Land and buildings22 | €511,508 | €499,438 | €529,404 | ▲ 6.0% |
| Plant, machinery and equipment23 | €2,822 | €4,468 | €8,387 | ▲ 87.7% |
| Financial fixed assets28 | €700,000 | €700,000 | €700,000 | = |
| Current assets29/58 | €17,970 | €11,816 | €2,921 | ▼ 75.3% |
| Amounts receivable within one year40/41 | €3,645 | - | - | - |
| Trade receivables40 | €3,645 | - | - | - |
| Cash at bank and in hand54/58 | €12,012 | €7,699 | €341 | ▼ 95.6% |
| Deferred charges and accrued income490/1 | €2,313 | €4,117 | €2,580 | ▼ 37.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.2m | €1.2m | €1.2m | ▲ 2.1% |
| Equity10/15 | -€32,254 | -€66,774 | -€87,367 | ▼ 30.8% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€37,254 | -€71,774 | -€92,367 | ▼ 28.7% |
| Amounts payable17/49 | €1.3m | €1.3m | €1.3m | ▲ 3.6% |
| Amounts payable after more than one year17 | €712,291 | €670,132 | €660,055 | ▼ 1.5% |
| Financial debts170/4 | €712,291 | €670,132 | €660,055 | ▼ 1.5% |
| Amounts payable within one year42/48 | €546,005 | €605,115 | €660,670 | ▲ 9.2% |
| Current portion of amounts payable after more than one year42 | €53,427 | €56,459 | €58,901 | ▲ 4.3% |
| Trade debts44 | €2,696 | - | €9,731 | - |
| Suppliers440/4 | €2,696 | - | €9,731 | - |
| Other amounts payable47/48 | €489,882 | €548,656 | €592,038 | ▲ 7.9% |
| Accrued charges and deferred income492/3 | €6,259 | €7,248 | €7,354 | ▲ 1.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€37,254 | -€34,519 | -€20,593 | ▲ 40.3% |
| + Depreciation and write-downs630 | €28,352 | €20,767 | €23,786 | ▲ 14.5% |
| Operating cash flow (approximation) | -€8,902 | -€13,753 | €3,193 | ▲ 123% |
| Investment in fixed assets (approximation) | - | -€10,342 | -€57,672 | ▼ 458% |
| Change in cash | - | -€4,313 | -€7,358 | ▼ 70.6% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
26-03
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
State Gazette actNBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Arlon · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Toernich, a-Kreides 606700 ArlonGround area
1,582 m²
Building footprint
162 m²
Parcel 81006A0620/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CARDALIS
since 20222.333.821.582
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81006A0620/00K000 | Wallonia | 1,582 m² | 1 · 162 m² | - |
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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of CARDALIS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
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Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 5,993 companies in sector 86940 we hold annual accounts for 1,807. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
68110Buying and selling of own real estate
70200Business and other management consultancy
78200Temporary employment agencies and other provision of personnel
85593Socio-cultural adult education
86995Nutrition and dietetics services
Contact
E-mail
cageorges01@hotmail.com
Phone
+32497531107
E-invoicing
Reachable via Peppol
Peppol ID
0208:0787430657
Also
9925:BE0787430657
Registered
02-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.