Equity
-€54,342
Debts exceed assets in financial year 2025.
Cardimmo
Lifetime
1 annual account with figurespeak -€14,178 (2025)
-€14,178
lowest -€56,842 (2025)
-€56,842
peak -€54,342 (2025)
-€54,342
€988,954
Board2 names since 2025
2 directorsCoucar and 1 other
Owners2 names in the annual accounts
50%Coucar and 1 other
Documentsfilings and deeds
17-08-202617 days late
2025abbreviated format
Loss of €56,842Incorporation 02-042 establishments registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€988,954 106% of the balance sheet
Financial debts 54%Suppliers 0%Other 46%
€732,000 of the debts are secured on the company's own assets.
At the same address
7 companies
2025 accounts filed 17 days after the deadlineTurnover not published (abbreviated format)
Checked score
53
Fair
Financially stronger than 16% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 2.9%
05-2026: 2.9%● unchanged vs 04-2026
06-2026: 2.9%● unchanged vs 05-2026
07-2026: 3.5%▲ +0.6 percentage points vs 06-2026
08-2026: 3.6%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.4%▼ -3.2 percentage points vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€54,342
Loss of €56,842 (financial year 2025)
lowers risk
Size: total assets €934,612
No main activity registered
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 13% of them on solvency, 24% on liquidity and 12% on profitability.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 152 companies had the same profile as Cardimmo has now. Each dot is one company, two years later.
98.7%
were still trading
0.7%
stopped another way
0.0%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Cardimmo itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 152 companies, not a prediction for Cardimmo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.26, below 1. Short-term debt is 48.5% and cash 12.6% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 1 filingDeviation from the deadline
2025
17 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- Coucar 50%equity €947,877 (2025) · annual accounts 2025
- Loucap 50%equity €678,733 (2025) · annual accounts 2025
Recent changes
Incorporation
Founding capital of €2,500, 100 shares · Founders: COUCAR and LOUCAP · Appointments: COUCAR (director) and LOUCAP (director) · published on 02-04-2025 · Gazette deed
2 establishments registered
Ixelles
Official details
Source: KBO- Status
- Active since 31-03-2025Normal situation
- Activity
- “Toutes opérations immobilières, en Belgique et à l'étranger, et notamment acquérir, détenir, céder, prendre…” (deed in French)From the articles, 18 activitiesNo NACE code in the KBO yet
- Establishment units
- 2.374.681.5461050 Ixelles, since 31-03-2025
- 2.374.681.6451050 Ixelles, since 31-03-2025
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on Cardimmo
Cardimmo has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€54,342) and a net result of -€56,842.
The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Cardimmo
- What is the company number of Cardimmo?
- The company number of Cardimmo is 1021.698.525. The VAT number is the same number with BE in front: BE 1021.698.525.
- Where is Cardimmo based?
- The registered office is at de Henninstraat 18, 1050 Ixelles.Company details
- What is the legal form of Cardimmo?
- Cardimmo is a private limited company (BV).
- When was Cardimmo founded?
- Cardimmo was founded on 31-03-2025.
- Is Cardimmo still active?
- Yes, Cardimmo is an active enterprise in the KBO register.
- What is the turnover of Cardimmo?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is Cardimmo profitable?
- In financial year 2025, Cardimmo made a loss of €56,842.
- Where can I find the annual accounts of Cardimmo?
- Cardimmo filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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