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CARDIHOUSE

Active
Private limited companyfounded 20241 yr activeRue de la Pinède(WP) 40, 5100 Namur, BelgiumKBO/BCE: BE 1016.793.491
Summary

CARDIHOUSE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €9,011 and a net result of €4,691. Its solvency ranks better than 74% of 4345 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2024
Axes
Profitability100
Solvency98
Growth-
Track record67
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.75; short-term debt: 26.7% and cash: 100% of total assets), and 26.7% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
73.3%
Return on assets
38.2%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 · 2 filings
Deviation from the deadline
2025
31 d early
2024
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 31 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

CARDIHOUSE was incorporated on 29 November 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2024, micro schema

Equity
€9,011
Total assets
€12,287
Net result
€4,691
Working capital
€9,011

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €12,287
Equity €9,011
Debt €3,276
Debt finances 26.7% of the balance-sheet total.
Key figures and ratios
2024 value
Current ratio
3.75
Debt to equity
0.36
ROE
52.1%
ROA
38.2%
Debt ≤ 1 year
€3,276
Income taxes
€1,691

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 18 lines
Balance sheet Code2024
Assets
Total assets20/58€12,287
Current assets29/58€12,287
Cash at bank and in hand54/58€12,287
Equity and liabilities
Total equity and liabilities10/49€12,287
Equity10/15€9,011
Contributions10/11€4,320
Profit (loss) carried forward14€4,691
Amounts payable17/49€3,276
Amounts payable within one year42/48€3,276
Taxes, remuneration and social security45€3,276
Taxes450/3€3,276
Income statement Code2024
Gross operating margin9900€6,382
Operating profit (loss)9901€6,382
Profit (loss) for the period before taxes9903€6,382
Income taxes67/77€1,691
Profit (loss) for the period9904€4,691
Profit (loss) for the period to be appropriated9905€4,691
Appropriation of the result
Profit (loss) to be appropriated9906€4,691

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Gross operating margin9900€6,382
Operating profit (loss)9901€6,382
Profit (loss) for the period before taxes9903€6,382
Income taxes67/77€1,691
Profit (loss) for the period9904€4,691
Profit (loss) for the period to be appropriated9905€4,691
Line2024
Assets
Total assets20/58€12,287
Current assets29/58€12,287
Cash at bank and in hand54/58€12,287
Equity and liabilities
Total equity and liabilities10/49€12,287
Equity10/15€9,011
Contributions10/11€4,320
Profit (loss) carried forward14€4,691
Amounts payable17/49€3,276
Amounts payable within one year42/48€3,276
Taxes, remuneration and social security45€3,276
Taxes450/3€3,276
Line2024
Profit (loss) for the period9904€4,691
Operating cash flow (approximation)€4,691

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Namur · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
3,345 m²
Building footprint
537 m²
Volume, LiDAR
2,791 m³
Parcel 92135C0470/00F000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARDIHOUSE
Rue de la Pinède(WP) 40, 5100 NamurRenting and operating of own or leased residential real estate, excluding social housing
since 20242.366.772.581
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92135C0470/00F000 Wallonia 3,345 m² 1 · 537 m² 7.8 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 4,560 companies in sector 74999 we hold annual accounts for 1,935. 946 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016793491
Also 9925:BE1016793491
Registered 27-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.