CARDREAM
ActiveCARDREAM has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €76. Its solvency ranks better than 22% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes
Profitability12
Solvency11
Growth-
Stability67
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.89), and 95.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11185 sector peers (2025).
NBB · sector comparisonPosition among 11185 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€3k
Total assets
€73k
Net result
€76
Working capital
€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €73k
Fixed assets
€10k
Current assets
€62k
Equity and liabilities €73k
Equity
€3k
Debt
€70k
Debt finances 95.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€276
Cash flow
€276
Solvency
4.2%
Current ratio
0.89
Quick ratio
0.17
Debt / equity
22.63
ROE
2.5%
ROA
0.1%
Interest coverage
788.14
Debt
€70k
Debt ≤ 1 year
€70k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€73k
Fixed assets21/28€10k
Tangible fixed assets22/27€800
Furniture and vehicles24€800
Financial fixed assets28€10k
Current assets29/58€62k
Stocks and contracts in progress3€51k
Stocks30/36€51k
Cash at bank and in hand54/58€9k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€73k
Equity10/15€3k
Contributions10/11€3k
Profit (loss) carried forward14€76
Amounts payable17/49€70k
Amounts payable within one year42/48€70k
Trade debts44€45k
Suppliers440/4€45k
Taxes, remuneration and social security45€5k
Taxes450/3€2k
Remuneration and social security454/9€3k
Other amounts payable47/48€20k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200
Other operating charges640/8€400
Gross operating margin9900€676
Operating profit (loss)9901€76
Financial charges65/66B€0
Recurring financial charges65€0
Profit (loss) for the period before taxes9903€76
Profit (loss) for the period9904€76
Profit (loss) for the period to be appropriated9905€76
Appropriation of the result
Profit (loss) to be appropriated9906€76
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
Directors · office · real estate
Directors
2 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, Merchtem · 1 establishment unit since 2025
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.
Koeweidestraat 471785 MerchtemGround area
976 m²
Building footprint
764 m²
Volume, LiDAR
5,554 m³
2 parcels, Brussels, Flanders · tallest building 18.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARDREAM
since 20252.372.666.124
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0036/00Z025 | Brussels | 567 m² | 1 · 567 m² | 18.2 m · 2 fl. |
| 23602I0052/00L000 | Flanders | 410 m² | 1 · 198 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
KATO Solutions
BE 0786.788.081
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SMARTEC
BE 0795.922.909
Zaventem · Eq €3k
STAR COOL
BE 1025.932.277
Elsene · Eq €3k
Loaf 'N Peas
BE 0452.838.659
Lint · Eq €3k
SALES STEP UP BELUX
BE 0729.791.871
Gent · Eq €3k
Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2025
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
46720Wholesale of motor vehicle parts and accessories
46730Wholesale trade
47812Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.