Cardar
ActiveSummary
The computed 12-month bankruptcy probability of Cardar is 3.8% (moderate). The 2025 annual accounts show equity of €25k and a net result of €22k. Its solvency ranks better than 68% of 13417 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency76
Growth-
Track record67
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.79; short-term debt: 49.2% and cash: 82.9% of total assets), and 49.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
50.8%
Return on assets
45.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€25k
Total assets
€48k
Net result
€22k
Working capital
€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €48k
Fixed assets
€6k
Current assets
€42k
Equity and liabilities €48k
Equity
€25k
Debt
€24k
Debt finances 49.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€34k
Cash flow
€24k
Current ratio
1.79
Debt to equity
0.97
ROE
89.8%
ROA
45.7%
Interest coverage
27.14
Debt ≤ 1 year
€24k
Income taxes
€9k
Staff costs
€45k
Filed annual accounts As filed with the NBB · 2025 · 40 lines
Balance sheet
Code2025
Assets
Total assets20/58€48k
Fixed assets21/28€6k
Tangible fixed assets22/27€3k
Plant, machinery and equipment23€2k
Furniture and vehicles24€1k
Financial fixed assets28€3k
Current assets29/58€42k
Amounts receivable within one year40/41€2k
Trade receivables40€2k
Cash at bank and in hand54/58€40k
Deferred charges and accrued income490/1€588
Equity and liabilities
Total equity and liabilities10/49€48k
Equity10/15€25k
Contributions10/11€3k
Reserves13€22k
Distributable reserves133€22k
Amounts payable17/49€24k
Amounts payable within one year42/48€24k
Trade debts44€997
Suppliers440/4€997
Taxes, remuneration and social security45€12k
Taxes450/3€12k
Other amounts payable47/48€11k
Income statement
Code2025
Remuneration, social security and pensions62€45k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€2k
Non-recurring operating charges66A€642
Gross operating margin9900€81k
Operating profit (loss)9901€32k
Financial income75/76B€352
Recurring financial income75€352
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€31k
Income taxes67/77€9k
Profit (loss) for the period9904€22k
Profit (loss) for the period to be appropriated9905€22k
Appropriation of the result
Profit (loss) to be appropriated9906€22k
Transfer to equity691/2€22k
To other reserves6921€22k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €45k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k |
| Other operating charges640/8 | €2k |
| Non-recurring operating charges66A | €642 |
| Gross operating margin9900 | €81k |
| Operating profit (loss)9901 | €32k |
| Financial income75/76B | €352 |
| Recurring financial income75 | €352 |
| Financial charges65/66B | €1k |
| Recurring financial charges65 | €1k |
| Profit (loss) for the period before taxes9903 | €31k |
| Income taxes67/77 | €9k |
| Profit (loss) for the period9904 | €22k |
| Profit (loss) for the period to be appropriated9905 | €22k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €48k | |
| Fixed assets21/28 | €6k | |
| Tangible fixed assets22/27 | €3k | |
| Plant, machinery and equipment23 | €2k | |
| Furniture and vehicles24 | €1k | |
| Financial fixed assets28 | €3k | |
| Current assets29/58 | €42k | |
| Amounts receivable within one year40/41 | €2k | |
| Trade receivables40 | €2k | |
| Cash at bank and in hand54/58 | €40k | |
| Deferred charges and accrued income490/1 | €588 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €48k | |
| Equity10/15 | €25k | |
| Contributions10/11 | €3k | |
| Reserves13 | €22k | |
| Distributable reserves133 | €22k | |
| Amounts payable17/49 | €24k | |
| Amounts payable within one year42/48 | €24k | |
| Trade debts44 | €997 | |
| Suppliers440/4 | €997 | |
| Taxes, remuneration and social security45 | €12k | |
| Taxes450/3 | €12k | |
| Other amounts payable47/48 | €11k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €22k |
| + Depreciation and write-downs630 | €2k |
| Operating cash flow (approximation) | €24k |
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
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Heusden-Zolder · 1 establishment unit since 2024
Ground area
1,331 m²
Building footprint
192 m²
Volume, LiDAR
822 m³
Parcel 71065B0979/00F003, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Cardar
since 20242.361.856.859
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065B0979/00F003 | Flanders | 1,331 m² | 1 · 192 m² | 7.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 2,928 EUR awarded · 2,928 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,928 EUR | 2,928 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,153 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
Founded23-07-2024
Fiscal year end31-12
Trade name NL
La Dolce Vita
Activities, NACEBEL 2025
56111Full-service restaurants
Scores and ratios are computed by Checked and are not a credit decision.