CARDIPLAI
ActiveThe computed 12-month bankruptcy probability of CARDIPLAI is 4.9% (elevated). The 2024 annual accounts show equity of €27k and a net result of €6k. Its solvency ranks better than 78% of 18942 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability57▼-31
Solvency87▲+39
Growth35
Track record94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.89 against 1.01 in 2023; short-term debt: 30.2% and cash: 9.3% of total assets), and 38.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2024Solvency, return and age of the figures
Solvency
61.9%
Return on assets
12.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
393 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€135k▼ 35.9%
2023 · €210k
2023: €210k
2023 → 2024
EBIT margin
7.0%▼ 5.3pp
2023 · 12.3%
2023: 12.3%
2023 → 2024
Net result
€6k▼ 70.5%
2023 · €19k
2023: €19k
2023 → 2024
Working capital
€12k▲ 1,528%
2023 · €714
2023: €714
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Turnover€210k-€135k▼ 35.9%
Equity€21k-€27k▲ 26.0%
Operating result€26k-€9k▼ 63.5%
Net result€19k-€6k▼ 70.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 64% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €43k
Fixed assets
€19k▼ 9.8%
Current assets
€25k▼ 64.7%
Equity and liabilities €43k
Equity
€27k▲ 26.0%
Debt
€16k▼ 76.2%
The debt ratio falls from 76.5% to 38.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2023 · €29k
Cash flow
€8k▼
2023 · €22k
Solvency
61.9%▲
2023 · 23.5%
Current ratio
1.89▲
2023 · 1.01
Quick ratio
1.89▲
2023 · 1.01
Debt / equity
0.61▼
2023 · 3.26
ROE
20.6%▼
2023 · 88.2%
ROA
12.8%▼
2023 · 20.7%
Interest coverage
2.93▼
2023 · 86.72
Debt
€16k▼
2023 · €69k
Debt ≤ 1 year
€13k▼
2023 · €69k
Debt > 1 year
€3k
Staff costs
€6k▲
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€90k€43k▼
Fixed assets21/28€21k€19k▼
Intangible fixed assets21€17k€15k▼
Financial fixed assets28€3k€3k=
Current assets29/58€70k€25k▼
Amounts receivable within one year40/41€34k€21k▼
Trade receivables40€31k€12k▼
Other amounts receivable41€3k€9k▲
Cash at bank and in hand54/58€36k€4k▼
Equity and liabilities
Total equity and liabilities10/49€90k€43k▼
Equity10/15€21k€27k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€19k€24k▲
Amounts payable17/49€69k€16k▼
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€69k€13k▼
Current portion of amounts payable after more than one year42-€2k
Trade debts44€15k€6k▼
Suppliers440/4€15k€6k▼
Taxes, remuneration and social security45€13k€4k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9-€394
Other amounts payable47/48€42k€69▼
Income statement
Code20232024
Turnover70€210k€135k▼
Goods, raw materials, services and sundry goods60/61€178k€109k▼
Remuneration, social security and pensions62€3k€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€3k€10k▲
Gross operating margin9900€35k€27k▼
Operating profit (loss)9901€26k€9k▼
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€332€4k▲
Recurring financial charges65€332€4k▲
Profit (loss) for the period before taxes9903€25k€6k▼
Income taxes67/77€7k-
Profit (loss) for the period9904€19k€6k▼
Profit (loss) for the period to be appropriated9905€19k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€24k▲
Profit (loss) brought forward from the previous period14P-€19k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 393 days late
NBB filing
Directors · office · real estate
Directors
6 acts for this company are 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, Quaregnon · 1 establishment unit since 2022
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.
Grand-Place 97390 QuaregnonGround area
243 m²
Building footprint
62 m²
Volume, LiDAR
626 m³
Parcel 53065B0706/00P000, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Au Mayeur
since 20222.332.990.253
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065B0706/00P000 | Wallonia | 243 m² | 1 · 62 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteQuaregnon2.332.990.253
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,067 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2022
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cardinal.chantal@yahoo.fr