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TOM CARDINAELS

Active
Private limited companyfounded 2020active for 6 yearsOrchideeënlaan 13, 2980 Zoersel, BelgiumKBO/BCE: BE 0745.741.938
Summary

TOM CARDINAELS has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,794 and a net result of €49,832. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 20% of 9,666 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 01-04-2020 Normal situation
Activity
Office administrative and support services NACE 82100and 3 others
Establishment unit
2.300.863.358 2980 Zoersel, since 01-04-2020
Financial year end
31 December
Peppol
Reachable since 28-11-2025

Board and ownership

Board
  • CARDINAELS TomDirector

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€81,599
▲ 3.3%
Turnover
≈ €170,000
estimated
Profit
€49,832
▼ 1.6%
Equity
€10,794
▼ 76.5%
Total assets
€102,706
▼ 0.1%
Score breakdownraises riskEquity €10,794 (10.5% of total assets)lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Liquidity: current ratio 0.93, cash €40,855Size: total assets €102,706Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 42% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Strong
Solvency 36-34
equity 10.5% of total assets
Liquidity 58-16
short-term debt 76.3% · cash 39.8%
Profitability 100=
return on assets 48.5%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,671 companies, NACE 82, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.93 (1.87 in 2024), below 1. Short-term debt is 76.3% and cash 39.8% of total assets. 89.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 21% of them on solvency, 52% on liquidity, 87% on profitability and 8% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
lowers risk · Liquidity: current ratio 0.93, cash €40,855
NBB · annual accounts
lowers risk · Size: total assets €102,706
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €10,794 (10.5% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9666 sector peers (2025).
NBB · sector comparison
Position among 9666 sector peers
Solvency
better than 20%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
58 days early
2024
27 days early
2023
21 days early
2022
31 days early
2021
62 days early
2020
43 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 40 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €49,832 6 years View

Recent changes

  1. · Gazette deed Incorporation
All 9 events

Comparable companies

These companies have the same main activity as TOM CARDINAELS: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €82,500 and €126,000, founded between 2018 and 2020.

CompanyTotal assetsGross margin
TOM CARDINAELS Zoersel€102,706€81,599
D&A FREED ASSOCIATES Jette€107,173€93,272
LEPER Roosdaal€125,634€80,203
DVDW Invest Kruisem€88,945€90,573
@VS Awans€82,469€81,510
VB Consult Malmedy Malmedy€124,186€66,606
SHERWOOD OAK Zoersel€116,322€73,100
Full comparison

Key facts about TOM CARDINAELS

What is the company number of TOM CARDINAELS?
The company number of TOM CARDINAELS is 0745.741.938. The VAT number is the same number with BE in front: BE 0745.741.938.
Where is TOM CARDINAELS based?
The registered office is at Orchideeënlaan 13, 2980 Zoersel.Company details
What does TOM CARDINAELS do?
According to the KBO register, the main activity is office administrative and support services (NACE 82100).
What is the legal form of TOM CARDINAELS?
The legal form of TOM CARDINAELS is Private limited company (BV).
When was TOM CARDINAELS founded?
TOM CARDINAELS was founded on 01-04-2020.
Is TOM CARDINAELS still active?
Yes, TOM CARDINAELS is an active enterprise in the KBO register.
What is the turnover of TOM CARDINAELS?
The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €81,599 and 36 comparable companies (NACE 82). It probably lies between €130,000 and €230,000.Financials
Is TOM CARDINAELS profitable?
In financial year 2025, TOM CARDINAELS made a profit of €49,832.
Where can I find the annual accounts of TOM CARDINAELS?
TOM CARDINAELS filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TOM CARDINAELS due?
TOM CARDINAELS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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