Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CARDIS CONSTRUCT from Chaumont-Gistoux, company number BE0421005536, closed financial year 2025 with a result of € 14,563 after tax. For that financial year CARDIS CONSTRUCT recorded a gross margin of € 34,944 and equity of € 386,406. Compared with financial year 2024, the result moved from € 24,380 to € 14,563. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ 386,406
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 14,563
▼ 40% vs 2024
Profit after tax over the fiscal year.
€ 4,266
▼ 64% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -212,843.
People and assets in 2025
€ 6,591
▲ € 5,327 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 88,206
▼ 21% vs 2024
€ 23,279 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 31,804
▲ 20% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,257
▲ 91% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 44,705 | € 37,705 | € 43,732 | € 34,944 | ▼ 20% |
| Profit after taxes | € -28,304 | € -234,321 | € 24,380 | € 14,563 | ▼ 40% |
| Equity | € 65,466 | € 347,462 | € 371,843 | € 386,406 | ▲ 4% |
| Total debts | € 183,233 | € 185,495 | € 167,347 | € 157,826 | ▼ 6% |
| Cash | € 1,528 | € 8,107 | € 11,715 | € 4,266 | ▼ 64% |
| Land & buildings | € 4,074 | € 520,391 | € 520,391 | € 520,391 | |
| Retained profit | € -17,465 | € -251,786 | € -227,406 | € -212,843 | ▲ € 14,563 |
| Bank debt | € 153,108 | € 136,708 | € 111,902 | € 88,206 | ▼ 21% |
| Balance sheet total | € 248,699 | € 532,957 | € 539,190 | € 544,232 | ▲ 1% |
Key figures of CARDIS CONSTRUCT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CARDIS CONSTRUCT?
What happened at CARDIS CONSTRUCT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 14,563 (▼ 40% vs 2024). filed late Source: NBB ↗
- Thierry BINJE became a director. NBB
- Pierre BINJE became a director. NBB
- Yvette HELL became a director. NBB
- New establishment in Wavre. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,304 loss in 2022 to € 14,563 profit in 2025.
Paid € 16,341 in corporate taxes since 2022.
Best year ever: 2024, with € 24,380 profit.
Management
Behind CARDIS CONSTRUCT are Thierry BINJE, Pierre BINJE and Yvette HELL. Pierre BINJE is also behind Cardis.
Directors
According to the 2025 annual accounts
Thierry BINJE
Director
since 2020
since 2020
Yvette HELL
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Chaussée de Huy, Bonlez 168C box 3-2
1325 Chaumont-Gistoux
Rue Barrière Moye 18
1300 Wavre
Active since 28 November 1980
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0421.005.536
- VAT number
- BE 0421.005.536
- Registered office
- Chaussée de Huy, Bonlez 168C bus 3-2, 1325 Chaumont-Gistoux
- Names & denominations
- CARDIS CONSTRUCT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 November 1980
- Peppol
- Active · Active since 27 Aug 2026