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CARDIO SH

Active
Private limited company· 1 yrs active
Rue Cardinal-Mercier 19 ·1400 Nivelles, Belgium
KBO/BCE: BE 1019.295.596
Watch Print / PDF
Belgian State Gazette acts: 0 of 1 read
Age1 yr
Real estate1 parcel · 7.6 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CARDIO SH is 2.1% (moderate). The 2025 annual accounts show equity of €92k and a net result of €91k. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 30-08-2026 30 d late 2026-00454024

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2025, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.1% Moderate
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€91k
Working capital€92k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 30-08-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€117k
Net profit€91k
Cash flow€93k
Staff costs-
Income taxes€25k
Dividends-
Total assets€124k
Equity€92k
Debt€32k
of which ≤ 1y€32k
of which > 1y-
Working capital€92k
Employees (FTE)-
Ratios (computed)
2025
Current ratio3.87
Quick ratio3.87
Working capital ratio74.1%
Solvency74.1%
Debt / equity0.35
Long-term debt ratio-
Interest coverage6923.79
Gross margin-
Net margin-
ROA73.7%
ROE99.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€124k
Current assets 29/58€124k
Cash & bank 54/58€40k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€124k
Equity 10/15€92k
Contributions / capital 10/11€500
Accumulated profits (losses) 14€91k
Amounts payable 17/49€32k
Amounts payable within one year 42/48€32k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€118k
Operating result 9901€116k
Financial charges 65€17
Result before taxes 9903€116k
Income taxes 67/77€25k
Net result for the period 9904€91k
Result to be appropriated 9905€91k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue Cardinal-Mercier 191400 Nivelles

Establishment units

1 location
Chaussée de Bruxelles 140, 6042 Charleroi
Activiteiten van medisch specialisten
since 20252.369.220.941
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area7.6 ha
Buildings1
Building footprint1,171 m²
Volume (LiDAR)1,833 m³
Tallest building17.3 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52040C0113/00A003 Wallonia 7.6 ha 1 · 1,171 m² 17.3 m
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameFR CARDIO SH
Registered office
Rue Cardinal-Mercier 19
1400 Nivelles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.