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 3,038 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.
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Cardesk
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, bestuursorgaan kan alleen administratieve zetels,agentschappen,werkhuizen,stapelplaatsen,bijkantoren vestigen in België of…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 12. Bevoegdheden van het bestuursorgaan Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, Artikel 11” (deed in Dutch)“Vaste of evenredige vergoeding, Artikel 13” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam met volgnummer, vruchtgebruiker en blote eigenaar afzonderlijk ingeschreven met rechten” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Overdracht van aandelen onder de levenden, 9” (deed in Dutch)“Overdracht van aandelen ingevolge overlijden, aandeelhouders kunnen te allen tijde in unanieme schriftelijke verklaring afstand doen van…” (deed in Dutch)“Intrinsieke waarde op basis van laatst goedgekeurde jaarrekening, elke overdracht of overgang van aandelen aan derden” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Friday of March
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed