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CARDI RETAIL

Active
Private limited companyfounded 2023active for 3 yearsde Henninstraat 18, 1050 Elsene, BelgiumKBO/BCE: BE 0805.142.857

From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

CARDI RETAIL has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €549,897 and a net result of €1.3m. Equity is growing by about 172% per year across the filed financial years. Its solvency ranks better than 23% of 12,737 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow ReportCompare
CARDI RETAILActiveChecked score 70/100
Risk analysis ReportCompare

Overview

Official details

KBO
Status
Active since 25-08-2023 Normal situation
Legal form
Private limited company
Registered office
de Henninstraat 18, 1050 Elsene
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Establishment unit
2.349.353.460 1050 Elsene, since 25-10-2023
Financial year end
31 December
Peppol
Reachable since 18-12-2025
Company details

Who decides

Board
  • CoucarDirector · permanent representative COURTOIS Carlos Laurent Antoine Bruno Marie Ghislain
  • LoucapDirector · permanent representative LOUWERS Diego Marie Charles-Edouard Guy
Shareholders
Board & ownership

How it is doing

70 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts 2025
Gross margin
€3.8m
▲ 27.1%
Turnover
≈ €25.0m
estimated
Profit
€1.3m
▲ 99.4%
Equity
€549,897
▲ 235%
Total assets
€4.4m
▲ 62.2%
Staff
52.7 FTE
▼ 9.1%
2025 accounts filed 21 days late
Filed on 21-08-2026at the National Bank
Financials
Why 70raises riskFounded in 2023Last filed accounts filed 21 days late; 1 of the last 3 latelowers riskSize: 52.7 FTE, total assets €4.4mLiquidity: current ratio 1.07, cash €1.5mShow the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 72% of its sector peers (NACE 47, medium-sized)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 38+7
equity 12.6% of total assets
Liquidity 46-6
short-term debt 82.4% · cash 33.3%
Profitability 100+2
return on assets 28.9%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (385 companies, NACE 47, medium-sized)
Last 24 months 11-2024: 2.2% 12-2024: 2.2%● unchanged vs 11-2024 01-2025: 2.1%▼ -0.1 percentage points vs 12-2024 02-2025: 2.2%▲ +0.1 percentage points vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 2.6%▲ +0.4 percentage points vs 03-2025 05-2025: 2.9%▲ +0.3 percentage points vs 04-2025 06-2025: 3.0%▲ +0.1 percentage points vs 05-2025 07-2025: 3.1%▲ +0.1 percentage points vs 06-2025 08-2025: 4.1%▲ +1.0 percentage point vs 07-2025highest value 09-2025: 1.6%▼ -2.5 percentage points vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.8%▲ +0.2 percentage points vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.8%● unchanged vs 12-2025 02-2026: 1.3%▼ -0.5 percentage points vs 01-2026 03-2026: 1.5%▲ +0.2 percentage points vs 02-2026 04-2026: 1.4%▼ -0.1 percentage points vs 03-2026 05-2026: 1.5%▲ +0.1 percentage points vs 04-2026 06-2026: 1.5%● unchanged vs 05-2026 07-2026: 1.6%▲ +0.1 percentage points vs 06-2026 08-2026: 2.2%▲ +0.6 percentage points vs 07-2026 09-2026: 0.8%▼ -1.4 percentage points vs 08-2026lowest value 10-2026: 0.8%● unchanged vs 09-2026lowest value
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.07, compared with 0.96 in 2024, below the usual 1.5; short-term debt: 82.4% and cash: 33.3% of total assets), and 87.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, medium-sized): better than 30% on solvency, 63% on liquidity, 99% on profitability and 96% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: 52.7 FTE, total assets €4.4m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.07, cash €1.5m
NBB · annual accounts
raises risk · Last filed accounts filed 21 days late; 1 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 12737 sector peers (2025).
NBB · sector comparison
Position among 12737 sector peers
Solvency
better than 23%
← weakest strongest →
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
21 days late
2024
27 days late
2023
29 days early
← 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 6 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (3 of the last 3 filed years within 49 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage

Key points

  • Positive: Equity rose in 2025from €164,307 to €549,897 ▲ 235% View
  • Positive: Among the best 5% on net resultsector median €27,659 · 12,727 companies €1.3m View
  • Known shareholderslargest: Coucar 50% 100% View

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about CARDI RETAIL

What is the company number of CARDI RETAIL?
0805.142.857. In Belgium the VAT number is the company number with BE in front: BE 0805.142.857.
Where is CARDI RETAIL based?
The registered office is at de Henninstraat 18, 1050 Elsene.Company details
What does CARDI RETAIL do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of CARDI RETAIL?
Private limited company (BV).
When was CARDI RETAIL founded?
On 25-08-2023.
Is CARDI RETAIL still active?
Yes, CARDI RETAIL is an active enterprise in the KBO register.
How many employees does CARDI RETAIL have?
On average 52.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CARDI RETAIL?
≈ €25.0m in financial year 2025. Estimated from the gross margin of €3.8m: probably between €16.0m and €31.0m, based on 30 comparable companies, NACE 471.
Is CARDI RETAIL profitable?
In financial year 2025, CARDI RETAIL made a profit of €1.3m.
Where can I find the annual accounts of CARDI RETAIL?
CARDI RETAIL filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of CARDI RETAIL due?
By 31-07-2027, for financial year 2026.Timeline

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