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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Figures corrected NBB
Corrected annual account filed for 2024, 2025.
Financials
Financial year 2025
CARDI RETAIL from Elsene, company number BE0805142857, closed financial year 2025 with a result of € 1.3 million after tax. For that financial year CARDI RETAIL recorded a gross margin of € 3.8 million and equity of € 549,897. Compared with financial year 2024, the result moved from € 634,644 to € 1.3 million. Profitable, and profit is growing. 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 August 21, 2026.
€ 549,897
▲ 235% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.3 million
▲ 99% vs 2024
Profit after tax over the fiscal year.
€ 1.5 million
▲ 26% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 880,000 paid out
70 % of the profit went to the shareholders, mostly to LOUCAP SRL (50 % of the shares). That is where the money ends up.
People and assets in 2025
52.7
▼ 5.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.8 million
▼ 8% vs 2024
€ 33,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 149,338
▲ 42% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 568,230
▲ € 545,595 vs 2024
€ 523,634 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 1.9 million
▲ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 326,830
▼ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 483,405 | € 2,965,139 | € 3,767,393 | ▲ 27% |
| Profit after taxes | € -315,337 | € 634,644 | € 1,265,590 | ▲ 99% |
| Equity | € -15,337 | € 164,307 | € 549,897 | ▲ 235% |
| Total debts | € 1,798,565 | € 2,532,546 | € 3,823,823 | ▲ 51% |
| Cash | € 381,422 | € 1,154,506 | € 1,456,898 | ▲ 26% |
| Retained profit | € -315,337 | € -135,693 | € 249,897 | ▲ € 385,590 |
| Dividend | € 0 | € 455,000 | € 880,000 | ▲ 93% |
| Bank debt | € 0 | € 22,635 | € 568,230 | ▲ € 545,595 |
| Balance sheet total | € 1,783,228 | € 2,696,853 | € 4,373,720 | ▲ 62% |
| Employees (FTE) | - | 58 | 52.7 | ▼ 5.3 |
Key figures of CARDI RETAIL, fiscal years 2023 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 CARDI RETAIL?
What happened at CARDI RETAIL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Corrected annual accounts filed for financial year 2025. filed late Source: NBB ↗
- New establishment in Elsene. KBO
- Start of the company according to the CBE. KBO
In short
From € 315,337 loss in 2023 to € 1.3 million profit in 2025.
Paid € 556,599 in corporate taxes since 2023.
Best year ever: 2025, with € 1.3 million profit.
On average € 71,500 of value added per employee in 2025.
A new publication or filing at CARDI RETAIL? 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 CARDI RETAIL are LOUCAP and COUCAR. The shares are held by LOUCAP SRL (50%) and COUCAR SRL (50%).
Directors
According to the 2025 annual accounts
Director · represented by Diego LOUWERS
Also active at: Saint Octave Retail, CARMA, Meltingpom, Cardi Maleizen, Cardimmo
Director · represented by Carlos COURTOIS
Also active at: Saint Octave Retail, Meltingpom, Cardi Maleizen, Cardimmo
Shareholders
50%
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
de Henninstraat 18
1050 Elsene
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0805.142.857
- VAT number
- BE 0805.142.857
- Registered office
- de Henninstraat 18, 1050 Elsene
- Names & denominations
- CARDI RETAIL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 August 2023
- Peppol
- Active · Active since 18 Dec 2025
- Contact
- [email protected] 0472573520
- Activities · NACE
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte = 2500 m²)