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 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CARDECUY from Herve, company number BE0732506485, closed financial year 2025 with a result of € -30,391 after tax. For that financial year CARDECUY recorded a gross margin of € 228,326 and equity of € -69,142. Compared with financial year 2024, the result moved from € -55,494 to € -30,391. 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 August 5, 2026.
€ -69,142
▼ € 31,284 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -30,391
▲ 45 % less loss than in 2024
Profit after tax over the fiscal year.
€ 10,422
▲ 30% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -105,230.
People and assets in 2025
€ 184,784
▲ 10% 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.
€ 14,497
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 309,423
▼ 13% vs 2024
€ 54,393 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 75,953
▲ 23% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 56,902
▲ 36% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 130,735 | € 203,051 | € 203,665 | € 228,326 | ▲ 12% |
| Profit after taxes | € -54,129 | € 10,284 | € -55,494 | € -30,391 | ▲ € 25,103 |
| Equity | € -4,629 | € 5,655 | € -37,859 | € -69,142 | ▼ € 31,284 |
| Total debts | € 536,275 | € 482,337 | € 478,016 | € 464,817 | ▼ 3% |
| Cash | € 5,019 | € 10,174 | € 8,025 | € 10,422 | ▲ 30% |
| Land & buildings | € 369,450 | € 345,468 | € 321,486 | € 297,504 | ▼ 7% |
| Retained profit | € -29,629 | € -19,345 | € -74,839 | € -105,230 | ▼ € 30,391 |
| Bank debt | € 434,651 | € 382,802 | € 355,239 | € 309,423 | ▼ 13% |
| Balance sheet total | € 531,646 | € 487,993 | € 440,157 | € 395,675 | ▼ 10% |
Key figures of CARDECUY, 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 CARDECUY?
What happened at CARDECUY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 30,391. filed late Source: NBB ↗
- New establishment in Theux. KBO
- New establishment in Herve. KBO
- Joanny Cardinal became a director. NBB
- Sonia De Blieck became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 54,129 loss in 2022 to € 30,391 loss in 2025.
Paid € 2,402 in corporate taxes since 2022.
Best year ever: 2023, with € 10,284 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
Behind CARDECUY are Joanny Cardinal and Sonia De Blieck.
Directors
According to the 2025 annual accounts
Joanny Cardinal
Director
since 2019
Sonia De Blieck
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Place du Marché 33
4651 Herve
Rue des 600 Franchimontois 52
4910 Theux
Active since 6 January 2026
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0732.506.485
- VAT number
- BE 0732.506.485
- Registered office
- Place du Marché 33, 4651 Herve
- Names & denominations
- CARDECUY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 August 2019
- Peppol
- Active · Active since 1 Sept 2026
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden