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CARDIOMED

Active
Private limited companyfounded 200224 yrs activeCharles-Maurice Wiserplein 15, 1040 Etterbeek, BelgiumKBO/BCE: BE 0477.355.014
Summary

CARDIOMED has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182,981 and a net result of €42,904. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 36981 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
CARDIOMEDActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€208,391total assets 2025
Equity
€182,981
Profit
€42,904
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts filed 4 d late0 of 3 deeds read
Why 95+ Liquidity: current ratio 2.92, cash €50,816+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €182,981 (87.8% of total assets)+ Founded in 2002Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 87.8% of total assets
Liquidity 79+11
short-term debt 12.2% · cash 24.4%
Profitability 94-3
return on assets 20.6%
Bankruptcy probability, 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).

Sector median 0.1% (47,599 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%▲ +22.2% vs 12-2024 02-2025: < 0.1%▲ +36.4% vs 01-2025 03-2025: < 0.1%▲ +26.7% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▲ +2.6% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▲ +23.1% vs 12-2025 02-2026: 0.1%▲ +79.2% vs 01-2026highest value 03-2026: < 0.1%▼ -60.5% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▲ +2.9% vs 09-2026
  • Liquidity: current ratio 2.92, cash €50,816 lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Equity €182,981 (87.8% of total assets) lowers the probability
  • Founded in 2002 lowers the probability for this profile
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 2.92 against 3.61 in 2024; short-term debt: 12.2% and cash: 24.4% of total assets), and 12.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 71%, profitability 65%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 2.92, cash €50,816
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Equity €182,981 (87.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2002
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 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.
NBB · 10 filings
Deviation from the deadline
2025
4 d late
2024
2 d early
2023
51 d early
2022
8 d late
2021
9 d late
2020
4 d late
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 4 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Equity above €200,000Eq €233,876 ▲33.5%

Key points

  • Positive: Among the best 15% on solvencysector median 56.1% · 36,981 companies 87.8% View
  • Positive: 7 profitable years in a rowprofit 2025: €42,904 7 years View
  • Total assets 20256 fiscal years filed €208,391 View

By topic

Financials

Fiscal year
2025
Total assets
€208,391
Profit
€42,904
Solvency
87.8%
Total assets▼ 19.7%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-01-2027
  1. 04-02-2026Annual accounts filed
  2. 29-01-2025Annual accounts filed
  3. 30-06-2024Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
17-04-2002
Year ends
30-06
Peppol
Not found in the Peppol directory
Go to Company details

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