Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CARDOEN VERZEKERINGEN from Ieper, company number BE0634586569, closed financial year 2025 with a result of € 127,857 after tax. For that financial year CARDOEN VERZEKERINGEN recorded a gross margin of € 527,393 and equity of € 449,287. Compared with financial year 2024, the result moved from € 107,297 to € 127,857. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 449,287
▲ 18% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 127,857
▲ 19% vs 2024
Profit after tax over the fiscal year.
€ 10,547
▼ 75% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 52,196 paid out
41 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 120,365
▲ 37% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,930
▲ 18% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.6 million
▲ 93% vs 2024
€ 175,889 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 28,142
▲ 207% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 42,508
▲ 104% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 338,126 | € 369,712 | € 447,279 | € 527,393 | ▲ 18% |
| Profit after taxes | € 70,292 | € 76,951 | € 107,297 | € 127,857 | ▲ 19% |
| Equity | € 282,893 | € 304,597 | € 380,077 | € 449,287 | ▲ 18% |
| Total debts | € 1,191,506 | € 1,122,029 | € 983,612 | € 1,678,209 | ▲ 71% |
| Cash | € 8,159 | € 14,146 | € 42,522 | € 10,547 | ▼ 75% |
| Land & buildings | € 912,610 | € 887,629 | € 831,774 | € 1,422,659 | ▲ 71% |
| Retained profit | € 207,893 | € 229,597 | € 305,077 | € 374,287 | ▲ 23% |
| Dividend | € 42,228 | € 55,247 | € 26,657 | € 52,196 | ▲ 96% |
| Bank debt | € 1,052,115 | € 966,782 | € 825,315 | € 1,592,829 | ▲ 93% |
| Balance sheet total | € 1,474,398 | € 1,426,625 | € 1,363,689 | € 2,127,496 | ▲ 56% |
Key figures of CARDOEN VERZEKERINGEN, 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 CARDOEN VERZEKERINGEN?
What happened at CARDOEN VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 127,857 (▲ 19% vs 2024). filed late Source: NBB ↗
- New establishment in Ieper. KBO
- New establishment in Ieper. KBO
- Pedro Cardoen became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 70,292 profit in 2022 to € 127,857 profit in 2025.
Paid € 171,953 in corporate taxes since 2022.
Best year ever: 2025, with € 127,857 profit.
Paid out € 176,329 in dividends to the owners in total.
A new publication or filing at CARDOEN VERZEKERINGEN? We notify you, reason included.
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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
Behind CARDOEN VERZEKERINGEN is Pedro Cardoen.
Directors
According to the 2025 annual accounts
Pedro Cardoen
Director
since 2015
Establishments
Establishment units
Physical locations of this company
Ter Waarde 72
8900 Ieper
Maloulaan 25
8900 Ieper
Active since 12 March 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
AMAZON-02 - Amazon.com, Inc., US
Website info
Features
Security
Network
Details
- Company number
- 0634.586.569
- VAT number
- BE 0634.586.569
- Registered office
- Ter Waarde 72, 8900 Ieper
- Names & denominations
- CARDOEN VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 July 2015
- Peppol
- Active · Active since 27 Aug 2025
- Contact
- cardoenverzekeringen.be
- Activities · NACE
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