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Complete company report
Generated 11-08-2026
Active BE 0419.499.858Non-profit association

Le Cactus

Van Lintstraat 16 ·1070 Anderlecht, Belgium· 47 yrs active
Sector: NACE 85207 (85207)
Conclusion Checked

The computed 12-month bankruptcy probability of Le Cactus is < 0.1% (very low). The 2024 annual accounts show equity of €44k and a net result of €3k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 49 sector peers (fiscal year 2024). The company has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €44k
Net result €3k
Staff (FTE) 7.6
Better than sector 42%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health63Profitability30Solvency58Growth52Stability100
61 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 63
Profitability 30
Solvency 58
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Lower-failure-rate sector −Higher-failure-rate region +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1978, 47 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2024 · computed
63 / 100 Healthy
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 01-07-2025 with the NBB · fiscal year 2024 · volledig
€0€10k€20k€30k€40kOperating result 2020: €2k€2kNet result 2020: €37k€37kOperating result 2021: €430€430Net result 2021: €716€716Operating result 2022: €838€838Net result 2022: €600€600Operating result 2023: €3k€3kNet result 2023: €3k€3kOperating result 2024: €3k€3kNet result 2024: €3k€3k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~4.3%/year over 7 fiscal years, indicative, assuming unchanged policy.
€30k€35k€40k€45k€50k2025: €45k (€41k - €48k)2026: €47k (€43k - €50k)2027: €49k (€45k - €52k)2018: €34k2019: €35k2020: €37k2021: €37k2022: €38k2023: €41k2024: €44k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 85 · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 30.1% 39.1%
better than 42% of 49 sector peers
Net result €3k €493
better than 55% of 49 sector peers
Equity €44k €330k
better than 25% of 49 sector peers
Gross operating margin €395k €494k
better than 47% of 45 sector peers
Staff costs €390k €865k
higher than 30% of 37 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€2k
-31.8% 18-24
Net profit
€3k
-14.8% 18-24
Cash flow
€37k
+2.6% 18-24
Total assets
€145k
-5.1% 18-24
Equity
€44k
+6.3% 18-24
Working capital
€47k
+5.9% 18-24
Employees (FTE)
8
-3.8% 18-24
Staff costs
€390k
-6.9% 18-24
Debt
€98k
-9.7% 18-24
Debt ≤ 1y
€98k
-9.7% 18-24
Current ratio
1.48
+5.0% 18-24
Quick ratio
1.48
+5.0% 18-24
Solvency
30.1%
+12.1% 18-24
Debt / equity
2.24
-15.0% 18-24
ROE
5.9%
-19.9% 18-24
ROA
1.8%
-10.2% 18-24
Figures by fiscal year
Fiscal year2024
Depositvolledig
Revenue-
EBITDA-
Net profit€3k
Cash flow-
Staff costs€390k
Income taxes-
Dividends-
Total assets€145k
Equity€44k
Debt€98k
of which ≤ 1y€98k
of which > 1y-
Working capital€47k
Employees (FTE)7.6
Ratios (computed)
2024
Current ratio1.48
Quick ratio1.48
Working capital ratio32.3%
Solvency30.1%
Debt / equity2.24
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA1.8%
ROE5.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€145k
Fixed assets 21/28€249
Tangible fixed assets 22/27€249
Current assets 29/58€145k
Amounts receivable within one year 40/41€54k
Cash & bank 54/58€91k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€145k
Equity 10/15€44k
Accumulated profits (losses) 14€44k
Provisions & deferred taxes 16€4k
Amounts payable 17/49€98k
Amounts payable within one year 42/48€98k
Trade debts payable within one year 44€31k
Income statement
Gross operating margin 9900€395k
Operating result 9901€3k
Financial income 75€298
Financial charges 65€411
Result before taxes 9903€3k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 7 directors
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (22136640). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Adil Sarghini
    Director
    State Gazette act 22136640 (22-11-2022)
    Current
    22-11-2022 → present
    2 events
    • 22-11-2022 Appointed· Director
    • 22-11-2022 Appointed· Secretary
  • Elsa Simon
    Director
    State Gazette act 22136640 (22-11-2022)
    Current
    22-11-2022 → present
  • Elsa Simon Rodriguez
    Treasurer
    State Gazette act 22136640 (22-11-2022)
    Current
    22-11-2022 → present
  • François Pirotte
    Chair
    State Gazette act 22136640 (22-11-2022)
    Current
    22-11-2022 → present
Former directors (3)
  • Nicolas Bodson
    Director
    State Gazette act 22136640 (22-11-2022)
    Former
    - → 22-11-2022
  • Patricia Seront
    Director
    State Gazette act 22136640 (22-11-2022)
    Former
    - → 22-11-2022
  • Serge Segura
    Director
    State Gazette act 22136640 (22-11-2022)
    Former
    - → 22-11-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary 85207
Legal form Non-profit association(017)
Incorporation03-12-1978
StatusActive
Postal code1070
Establishment units 1 location
Le Cactus
Van Lintstraat 16, 1070 AnderlechtAlfabetiseringsprogramma's ten behoeve van volwassenen
since 20032.179.177.650
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21305B0260/00D008 Brussels 193 m² 1 · 290 m² 18.0 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
01-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
12-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
19-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
22-11-2022
State Gazette act Director changes
14-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
22-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
30-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
01-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
12-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
25-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
14-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2022
22-11-2022 5 directors appointed, 3 resigning Director changes
  • Elsa Simon, Bestuurder
  • Adil Sarghini, Bestuurder
  • François Pirotte, Voorzitter
  • Elsa Simon Rodriguez, Penningmeester
  • Adil Sarghini, Secretaris
  • Patricia Seront, Bestuurder
  • Serge Segura, Bestuurder
  • Nicolas Bodson, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Alfabetiseringsprogramma's ten behoeve van volwassenen85207Alfabetiseringsprogramma's ten behoeve van volwassenen85207
Primary activity highlighted.
Names & trade names
Legal nameFR Le Cactus
Registered office
Van Lintstraat 16
1070 Anderlecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative