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 4 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
CARDIGUE from Namur, company number BE0442395323, closed financial year 2025 with a result of € 3,195 after tax. For that financial year CARDIGUE recorded a gross margin of € 22,112 and equity of € 65,040. Compared with financial year 2024, the result moved from € 4,817 to € 3,195. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 30, 2026.
€ 65,040
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,195
▼ 34% vs 2024
Profit after tax over the fiscal year.
€ 11,954
▼ 79% 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 € 1,054.
Debts at end 2025
€ 44,683
▲ 70% vs 2024
€ 9,417 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 4,333
▼ 64% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 142,048 | € 25,956 | € 16,017 | € 22,112 | ▲ 38% |
| Profit after taxes | € 125,739 | € 13,679 | € 4,817 | € 3,195 | ▼ 34% |
| Equity | € 43,348 | € 57,028 | € 61,845 | € 65,040 | ▲ 5% |
| Total debts | € 394,824 | € 394,548 | € 406,795 | € 369,114 | ▼ 9% |
| Cash | € 165,632 | € 41,332 | € 57,883 | € 11,954 | ▼ 79% |
| Land & buildings | € 286,535 | € 275,368 | € 300,079 | € 330,171 | ▲ 10% |
| Retained profit | € -20,639 | € -6,959 | € -2,142 | € 1,054 | ▲ € 3,195 |
| Bank debt | € 0 | € 0 | € 26,267 | € 44,683 | ▲ 70% |
| Balance sheet total | € 454,380 | € 465,982 | € 481,245 | € 444,959 | ▼ 8% |
Key figures of CARDIGUE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to CARDIGUE?
What happened at CARDIGUE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Guénaël BOURTEMBOURG stepped down as director. NBB
- Caroline BOURTEMBOURG stepped down as director. NBB
- Paul BOURTEMBOURG stepped down as director. NBB
- Françoise ERNOULD stepped down as director. NBB
- Didier BOURTEMBOURG stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3,195 (▼ 34% vs 2024). Source: NBB ↗
- Guénaël BOURTEMBOURG became a director. NBB
- Caroline BOURTEMBOURG became a director. NBB
In short
From € 125,739 profit in 2022 to € 3,195 profit in 2025.
Best year ever: 2022, with € 125,739 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Guénaël BOURTEMBOURG
Director
since 2026 · until 2032
Caroline BOURTEMBOURG
Director
since 2026 · until 2032
Paul BOURTEMBOURG
Director
since 2026 · until 2032
Françoise ERNOULD
Managing director
since 2026 · until 2032
Didier BOURTEMBOURG
Director
since 2026 · until 2032
Establishments
Establishment units
Physical locations of this company
Chemin du Pont de Briques(JB) 9
5100 Namur
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0442.395.323
- VAT number
- BE 0442.395.323
- Registered office
- Chemin du Pont de Briques(JB) 9, 5100 Namur
- Names & denominations
- CARDIGUE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 1990
- Peppol
- Not registered