Verzekeringen Cardous

Private limited companyfounded 2020active for 6 yearsOude Markt 2, 3600 Genk, BelgiumKBO/BCE: BE 0756.965.828

Summary

Verzekeringen Cardous is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €30,000 and a net result of €164,372. Equity remains stable across the filed financial years (±0% per year). Its solvency ranks better than 14% of 1,842 sector peers (NACE 66, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

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Verzekeringen CardousActive

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Activity

Insurance agents and brokers

NACE 66220

1 site

Size

€509,556total assets 2025

Staff: 4.7 FTE
Equity: €30,000
Profit: €164,372

Turnover not published (abbreviated format)

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Accounts filed 27 days late0 of 1 deed read

Signalsraises riskWeak solvency vs sectorneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Two signals.

raises riskneutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 1842 sector peers (2025).

NBB · sector comparison

Position among 1842 sector peers

Solvency

better than 14%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 5 filings

Deviation from the deadline

2025

27 days late

2024

14 days early

2023

1 day early

2022

9 days late

2021

19 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 8 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

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 9 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-08-2026 Annual accounts filedfinancial year 2025 · abbreviated…
17-07-2025 Annual accounts filedfinancial year 2024 · abbreviated…
30-07-2024 Annual accounts filedfinancial year 2023 · abbreviated…

Key points

Caution: Among the weakest 15% on solvencysector median 38.5% · 1,842 companies 5.9% View
Positive: 5 profitable years in a rowprofit 2025: €164,372 5 years View
Total assets 20255 financial years filed €509,556 View

By topic

Financials

Financial year: 2025
Total assets: €509,556
Profit: €164,372
Solvency: 5.9%

Total assets▼ 35.6%

Net result

20212025

Go to Financials

Timeline

Events: 6
Since: 2022
Next accounts: by 31-07-2027

09-08-2023Annual accounts filed
31-12-2022Highest result from 2021 to 2025
19-08-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Insurance agents and brokersNACE 66220
Founded: 23-10-2020
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Verzekeringen Cardous

What is the company number of Verzekeringen Cardous?: 0756.965.828. In Belgium the VAT number is the company number with BE in front: BE 0756.965.828.
Where is Verzekeringen Cardous based?: The registered office is at Oude Markt 2, 3600 Genk.Company details
What does Verzekeringen Cardous do?: According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of Verzekeringen Cardous?: Private limited company (BV).
When was Verzekeringen Cardous founded?: On 23-10-2020.
Is Verzekeringen Cardous still active?: Yes, Verzekeringen Cardous is an active enterprise in the KBO register.
How many employees does Verzekeringen Cardous have?: On average 4.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Verzekeringen Cardous?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Verzekeringen Cardous profitable?: In financial year 2025, Verzekeringen Cardous made a profit of €164,372.
Where can I find the annual accounts of Verzekeringen Cardous?: Verzekeringen Cardous filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Verzekeringen Cardous due?: By 31-07-2027, for financial year 2026.Timeline