Financials
- Financial year
- 2025
- Total assets
- €216,887
- Loss
- -€19,466
- Solvency
- 99.8%
Total assets▼ 48.0%
Net result
20192025
Summary
CARDESK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €216,422 and a net result of -€19,466. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 95% of 3,030 sector peers (NACE 66, financial year 2025). The company has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Risk and damage evaluation
NACE 66210
6th oldest company in Oostrozebeke, Finance and insurance sector1 site
Size
€216,887total assets 2025
- Equity
- €216,422
- Loss
- -€19,466
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- AREK DUKIEWICZ · 33.33%
Accounts 62 days early1 of 6 deeds read
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-02-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
62 days early
2024
23 days early
2023
43 days early
2022
30 days early
2021
18 days early
2020
39 days early
2019
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 31 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end24-10-2026 today30-04-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€19,466
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Board & ownership
- Largest shareholder
- AREK DUKIEWICZ · 33.33%
Timeline
- Events
- 29
- Since
- 2004
- Next accounts
- by 30-04-2027
- 30-09-2024Highest result from 2019 to 2025
- 30-09-2024Liquidity more than 104 times
- 30-09-2024Equity above €200,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Risk and damage evaluationNACE 66210
- Founded
- 27-05-2003
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
Key facts about CARDESK
- What is the company number of CARDESK?
- 0480.321.135. In Belgium the VAT number is the company number with BE in front: BE 0480.321.135.
- Where is CARDESK based?
- The registered office is at Hoogstraat 60, 8780 Oostrozebeke.Company details
- What does CARDESK do?
- According to the KBO register, the main activity is risk and damage evaluation (NACE 66210).
- What is the legal form of CARDESK?
- Private limited company (BV).
- When was CARDESK founded?
- On 27-05-2003.
- Is CARDESK still active?
- Yes, CARDESK is an active enterprise in the KBO register.
- How many employees does CARDESK have?
- On average 0.3 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of CARDESK?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is CARDESK profitable?
- In financial year 2025, CARDESK made a loss of €19,466.
- Where can I find the annual accounts of CARDESK?
- CARDESK filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CARDESK due?
- By 30-04-2027, for financial year 2026.Timeline
Companies related to CARDESK
Shareholders
- AREK DUKIEWICZ33.33%
- EXPERTISEBUREAU MINGNEAU33.33%
Comparable companies
- INGENIEURSBUREAU R. THOMASSint-Niklaas
- EXPERTISEBUREAU LANDUYTHouthalen-Helchteren
- MOSA EXPERTISEAwans
- EXPARCHWaterloo
- KWADRIMEXHasselt
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