Checked.be · Company dossierhttps://checked.be/en/c/cardeal-pro-0789657105 · as of 10-10-2026
CARDEAL PRO
Active
Private limited company · founded 2022 · active for 4 yearsRue Ernest Gilon 40, 4800 Verviers, BelgiumKBO/BCE: BE 0789.657.105
Summary
The computed 12-month bankruptcy probability of CARDEAL PRO is 14.5% (high). The 2022 annual accounts show equity of €7,374 and a net result of €4,374. Its solvency ranks better than 40% of 23,098 sector peers (NACE 47, financial year 2022). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€35,043total assets 2022
Equity
€7,374
Profit
€4,374
Turnover not published (micro format)
Financial health
Bankruptcy probabilitywithin 12 months
14.5%
2022 figures too old to score
Structure
Accounts filed 31 days late0 of 5 deeds read
Signalsraises risk3 financial years not filed after the legal deadline; latest accounts 31 days late; 1 of the last 3 late1 change of registered office in 24 monthsFigures for financial year 2022 (filed 05-09-2023)Size: total assets €35,043neutralFiled after the deadlineShow the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Bankruptcy probability: High
Financial strength, FY 2022
Financial strength
How strong the balance sheet and results are: solvency, liquidity and profitability from the latest annual accounts, each out of 100. It does not directly set the Checked score's band; how the company does on these and on growth against its sector peers does count for its place within the band.
Average
Solvency46
equity 21.0% of total assets
Liquidity11
short-term debt 79.0% · cash 2.9%
Profitability84
return on assets 12.5%
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
14.5%High
0%0.5%1.5%4%10%≥ 25%
About 1 in 7 comparable companies go bankrupt within 12 months (an estimate).
Sector median 0.6% (40,188 companies, NACE 47, micro)
Last 24 months11-2024: 9.4%lowest value12-2024: 10.3%▲ +0.9 percentage points vs 11-202401-2025: 19.3%▲ +9.0 percentage points vs 12-202402-2025: 19.3%● unchanged vs 01-202503-2025: 19.5%▲ +0.2 percentage points vs 02-202504-2025: 18.4%▼ -1.1 percentage points vs 03-202505-2025: 18.4%● unchanged vs 04-202506-2025: 18.2%▼ -0.2 percentage points vs 05-202507-2025: 18.2%● unchanged vs 06-202508-2025: 20.4%▲ +2.2 percentage points vs 07-202509-2025: 20.4%● unchanged vs 08-202510-2025: 21.5%▲ +1.1 percentage points vs 09-202511-2025: 21.6%▲ +0.1 percentage points vs 10-2025highest value12-2025: 21.6%● unchanged vs 11-2025highest value01-2026: 21.6%● unchanged vs 12-2025highest value02-2026: 21.6%● unchanged vs 01-2026highest value03-2026: 21.6%● unchanged vs 02-2026highest value04-2026: 21.6%● unchanged vs 03-202605-2026: 21.6%● unchanged vs 04-202606-2026: 21.6%● unchanged vs 05-202607-2026: 15.3%▼ -6.3 percentage points vs 06-202608-2026: 14.5%▼ -0.8 percentage points vs 07-202609-2026: 14.5%● unchanged vs 08-202610-2026: 14.5%● unchanged vs 09-2026
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 31-08-2023, 31 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
tick = median of all Belgian filingsring = median in the sector
This company filed its 2022 accounts 31 days after the deadline; the sector median (NACE 47) for financial year 2022 is on the deadline day, and 50% of those companies filed late.