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 46 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CARDINAELS JACKY from Pelt, company number BE0875822995, closed financial year 2025 with a result of € 54,664 after tax. For that financial year CARDINAELS JACKY recorded a gross margin of € 453,082 and equity of € 481,808. Compared with financial year 2024, the result moved from € 12,072 to € 54,664. 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 July 24, 2026.
€ 481,808
▲ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 54,664
▲ € 42,592 vs 2024
Profit after tax over the fiscal year.
€ 69,591
▲ 38% 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 € 438,208.
People and assets in 2025
3.8
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 179,418
▲ 29% vs 2024
€ 47,200 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.
€ 221,333
▲ 74% vs 2024
Of which on lease € 216,125.
Debts at end 2025
€ 1 million
▲ 5% vs 2024
€ 297,738 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 88,596
▲ 26% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 25,178
▲ 2% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 511,634 | € 417,275 | € 416,458 | € 453,082 | ▲ 9% |
| Profit after taxes | € 80,087 | € 16,315 | € 12,072 | € 54,664 | ▲ € 42,592 |
| Equity | € 457,155 | € 415,072 | € 427,144 | € 481,808 | ▲ 13% |
| Total debts | € 1,475,136 | € 1,311,594 | € 1,099,879 | € 1,152,987 | ▲ 5% |
| Cash | € 67,522 | € 83,490 | € 50,306 | € 69,591 | ▲ 38% |
| Land & buildings | € 1,146,583 | € 1,100,832 | € 1,058,674 | € 1,010,085 | ▼ 5% |
| Retained profit | € 413,555 | € 371,472 | € 383,544 | € 438,208 | ▲ 14% |
| Dividend | € 8,000 | € 58,399 | € 0 | € 0 | |
| Bank debt | € 1,299,910 | € 1,115,859 | € 959,064 | € 1,007,337 | ▲ 5% |
| Balance sheet total | € 1,932,291 | € 1,726,665 | € 1,527,023 | € 1,634,794 | ▲ 7% |
| Employees (FTE) | 4.9 | 3.8 | 3 | 3.8 | ▲ 0.8 |
Key figures of CARDINAELS JACKY, 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 CARDINAELS JACKY?
What happened at CARDINAELS JACKY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 54,664 (▲ € 42,592 vs 2024). Source: NBB ↗
- New establishment in Pelt. KBO
- Start of the company according to the CBE. KBO
In short
From € 80,087 profit in 2022 to € 54,664 profit in 2025.
Paid € 66,041 in corporate taxes since 2022.
Best year ever: 2022, with € 80,087 profit.
On average € 119,200 of value added per employee in 2025.
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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 CARDINAELS JACKY is Jacky Cardinaels.
Directors
According to the 2025 annual accounts
Jacky Cardinaels
Director
Establishments
Establishment units
Physical locations of this company
Waterrijtstraat 1 box a
3900 Pelt
Waterrijtstraat 1 box A000
3900 Pelt
Active since 2 January 2017
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
Details
- Company number
- 0875.822.995
- VAT number
- BE 0875.822.995
- Registered office
- Waterrijtstraat 1 bus a, 3900 Pelt
- Names & denominations
- CARDINAELS JACKY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 September 2005
- Peppol
- Active · Active since 20 Aug 2025
- Contact
- peltpack.be
- Activities · NACE
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires in gespecialiseerde winkels (algemeen assortiment)
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Handelsbemiddeling gespecialiseerd in overige goederen, n.e.g.
Detailhandel in huisdieren, voedsel voor huisdieren en benodigdheden daarvoor in gespecialiseerde winkels
Gespecialiseerde detailhandel in huisdieren, voedsel voor huisdieren en benodigdheden daarvoor