CARDIALI
ActiveSummary
The computed 12-month bankruptcy probability of CARDIALI is 2.6% (moderate). The 2025 annual accounts show equity of €3k and a net result of €201k. Equity is shrinking by ~26.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
0.5%
Return on assets
33.3%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
27 d early
2023
29 d late
2022
30 d late
2021
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2021: €30k
2022: €105k
2023: €218k
2024: €3k
2021 → 2025
Total assets
€603k▲ 7.7%
2024 · €560k
2021: €44k
2022: €360k
2023: €560k
2024: €560k
2021 → 2025
Net result
€201k▲ 32.1%
2024 · €152k
2021: €27k
2022: €74k
2023: €114k
2024: €152k
2021 → 2025
Working capital
€-1k
2024 · €19k
2021: €30k
2022: €141k
2023: €173k
2024: €19k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€105k▲ 244%€218k▲ 108%€3k▼ 98.6%€3k=
Operating result€34k-€95k▲ 177%€160k▲ 67.4%€209k▲ 30.9%€279k▲ 33.6%
Net result€27k-€74k▲ 171%€114k▲ 52.9%€152k▲ 34.0%€201k▲ 32.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €603k
Fixed assets
€353k ▼ 2.2%
Current assets
€251k ▲ 25.6%
Equity and liabilities €603k
Equity
€3k =
Debt
€600k ▲ 7.7%
Debt's share of the balance-sheet total stays at 99.5%.
Key figures and ratios
EBITDA
€292k▲
2024 · €221k
Cash flow
€214k▲
2024 · €165k
Current ratio
0.99▼
2024 · 1.11
ROA
33.3%▲
2024 · 27.1%
Interest coverage
20.76▲
2024 · 17.36
Debt ≤ 1 year
€252k▲
2024 · €180k
Debt > 1 year
€349k▼
2024 · €377k
Income taxes
€64k▲
2024 · €48k
Staff costs
€2k=
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €603k, equity €3k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€560k€603k▲
Fixed assets21/28€361k€353k▼
Tangible fixed assets22/27€361k€353k▼
Land and buildings22€357k€348k▼
Furniture and vehicles24€4k€5k▲
Current assets29/58€200k€251k▲
Amounts receivable within one year40/41€80k€1k▼
Trade receivables40-€1k
Other amounts receivable41€80k€214▼
Cash at bank and in hand54/58€45k€131k▲
Deferred charges and accrued income490/1€74k€118k▲
Equity and liabilities
Total equity and liabilities10/49€560k€603k▲
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Amounts payable17/49€557k€600k▲
Amounts payable after more than one year17€377k€349k▼
Financial debts170/4€377k€349k▼
Amounts payable within one year42/48€180k€252k▲
Current portion of amounts payable after more than one year42€28k€29k▲
Trade debts44€91€600▲
Suppliers440/4€91€600▲
Taxes, remuneration and social security45-€11k
Taxes450/3-€9k
Remuneration and social security454/9-€3k
Other amounts payable47/48€152k€211k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€4k€3k▼
Gross operating margin9900€227k€297k▲
Operating profit (loss)9901€209k€279k▲
Financial income75/76B€4k-
Recurring financial income75€4k-
Financial charges65/66B€13k€14k▲
Recurring financial charges65€13k€14k▲
Profit (loss) for the period before taxes9903€200k€265k▲
Income taxes67/77€48k€64k▲
Profit (loss) for the period9904€152k€201k▲
Profit (loss) for the period to be appropriated9905€152k€201k▲
Appropriation of the result
Profit (loss) to be appropriated9906€367k€201k▼
Profit (loss) brought forward from the previous period14P€215k-
Profit to be distributed694/7€367k€201k▼
Return on contributions (dividend)694€367k€201k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €201k ▲32.1%
Operating result €279k, net result €201k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €200kEq €218k ▲108%
3 profitable years in a row build equity to €218k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 6current ratio 18.93
Current ratio from 3.18 to 18.93; short-term debt falls from €14k to €8k.
31-12
Financial
Equity above €100kEq €105k ▲244%
2 profitable years in a row build equity to €105k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rixensart · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Clos de la Mare aux Loups 141330 RixensartGround area
1,235 m²
Building footprint
111 m²
Volume, LiDAR
807 m³
Parcel 25091B0011/00H000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARDIALI
since 20212.321.747.953
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091B0011/00H000 | Wallonia | 1,235 m² | 1 · 111 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.