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CARDIDEL

Active
Private limited companyfounded 2005active for 21 yearsAllée Johannes Tinctoris 5, 1400 Nivelles, BelgiumKBO/BCE: BE 0877.065.783

From the official registers: KBO 20 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

CARDIDEL has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193,985 and a net result of €19,390. Equity has been shrinking by about 4.5% per year since 2018. The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 31-10-2005 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.303.225.705 1400 Nivelles, since 31-10-2005
Financial year end
31 December
Peppol
Reachable since 29-11-2025

Board and ownership

Board

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Turnover
€146,097
Profit
€19,390
▲ 18×
Equity
€193,985
▲ 10.6%
Total assets
€351,430
▲ 16.4%
Filed on 04-08-2026, 4 days after the deadlineat the National Bank
Score breakdownlowers riskSize: turnover €146,097, total assets €351,430Liquidity: current ratio 2.55, cash €187,352Founded in 2005Equity €193,985 (55.2% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 58% of micro companies without a NACE code
Financial strength · tick: 2024
Strong
Solvency 80-3
equity 55.2% of total assets
Liquidity 86-4
short-term debt 31.7% · cash 53.3%
Profitability 59+30
return on assets 5.5%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.55 (2.84 in 2024), above the usual 1.5. Short-term debt is 31.7% and cash 53.3% of total assets. 44.8% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 (no NACE code, micro). It does better than 48% of them on solvency, 78% on liquidity, 40% on profitability and 68% 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: turnover €146,097, total assets €351,430
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.55, cash €187,352
NBB · annual accounts
lowers risk · Founded in 2005
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €193,985 (55.2% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €193,985
raises risk · 2025 accounts filed 4 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 10 filings
Deviation from the deadline
2025
4 days late
2024
26 days early
2023
25 days late
2022
42 days early
2021
24 days late
2020
25 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 6 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 4 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Documents

Annual accounts at the NBB

All 20 annual accounts

Articles and registers

Key facts about CARDIDEL

What is the company number of CARDIDEL?
The company number of CARDIDEL is 0877.065.783. The VAT number is the same number with BE in front: BE 0877.065.783.
Where is CARDIDEL based?
The registered office is at Allée Johannes Tinctoris 5, 1400 Nivelles.Company details
What is the legal form of CARDIDEL?
The legal form of CARDIDEL is Private limited company (BV).
When was CARDIDEL founded?
CARDIDEL was founded on 31-10-2005.
Is CARDIDEL still active?
Yes, CARDIDEL is an active enterprise in the KBO register.
What is the turnover of CARDIDEL?
The turnover of CARDIDEL was €146,097 in financial year 2025, according to the filed annual accounts.Financials
Is CARDIDEL profitable?
In financial year 2025, CARDIDEL made a profit of €19,390.
Where can I find the annual accounts of CARDIDEL?
CARDIDEL filed 20 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 CARDIDEL due?
CARDIDEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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