Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
CARDELIM from Brussel, company number BE0659927028, closed financial year 2024 with a result of € -98,262 after tax. For that financial year CARDELIM recorded a gross margin of € -45,377 and equity of € -20,555. Compared with financial year 2023, the result moved from € 37,717 to € -98,262. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2025.
€ -20,555
▼ € 98,262 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -98,262
▼ still € 37,717 profit in 2023
Profit after tax over the fiscal year.
€ 226,556
▼ 32% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -39,155.
People and assets in 2024
€ 110,869
▼ 22% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 14,541
▼ 31% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 2,481
▼ 86% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 4,465 | € 124,941 | € 98,150 | € -45,377 | ▼ € 143,527 |
| Profit after taxes | € -22,656 | € 80,286 | € 37,717 | € -98,262 | ▼ € 135,979 |
| Equity | € -30,297 | € 39,989 | € 77,706 | € -20,555 | ▼ € 98,262 |
| Total debts | € 1,391,225 | € 1,203,091 | € 525,999 | € 465,788 | ▼ 11% |
| Cash | € 14,163 | € 5,300 | € 333,845 | € 226,556 | ▼ 32% |
| Retained profit | € -48,897 | € 21,389 | € 59,106 | € -39,155 | ▼ € 98,262 |
| Dividend | € 0 | € 10,000 | € 0 | € 0 | |
| Bank debt | € 930,950 | € 708,650 | € 0 | € 0 | |
| Balance sheet total | € 1,360,928 | € 1,243,080 | € 603,706 | € 445,233 | ▼ 26% |
Key figures of CARDELIM, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to CARDELIM?
What happened at CARDELIM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 98,262 (▼ € 135,979 vs 2023). Source: NBB ↗
- Henri CARDON de LICHTBUER became a director. NBB
- Valentine BERGHAMS became a director. NBB
- New establishment in Brussel. KBO
- Start of the company according to the CBE. KBO
In short
From € 22,656 loss in 2021 to € 98,262 loss in 2024.
Paid € 28,203 in corporate taxes since 2021.
Best year ever: 2022, with € 80,286 profit.
Paid out € 10,000 in dividends to the owners in total.
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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 CARDELIM are Henri CARDON de LICHTBUER and Valentine BERGHAMS. Henri CARDON de LICHTBUER is also behind SEDIAAL.
Directors
According to the 2024 annual accounts
since 2023
Valentine BERGHAMS
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Munsterstraat 24
1000 Brussel
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
- 0659.927.028
- VAT number
- BE 0659.927.028
- Registered office
- Munsterstraat 24, 1000 Brussel
- Names & denominations
- CARDELIM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 July 2016
- Peppol
- Active · Active since 4 Dec 2025
- Activities · NACE
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Handel in eigen onroerend goed