Cardinael Stijn
ActiveSummary
Cardinael Stijn has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313k and a net result of €25k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+8
Solvency64▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.44 in 2024; short-term debt: 28% and cash: 15.3% of total assets), and 61.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.6%
Return on assets
3.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
77 d early
2023
19 d early
2022
27 d early
2021
18 d early
2020
32 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€313k▼ 1.0%
2024 · €316k
2018: €191k
2019: €203k
2020: €237k
2021: €260k
2022: €305k
2023: €295k
2024: €316k
2018 → 2025
Total assets
€811k▼ 3.1%
2024 · €837k
2018: €912k
2019: €860k
2020: €897k
2021: €884k
2022: €921k
2023: €885k
2024: €837k
2018 → 2025
Net result
€25k▲ 15.7%
2024 · €21k
2018: €13k
2019: €12k
2020: €33k
2021: €23k
2022: €44k
2023: €45k
2024: €21k
2018 → 2025
Working capital
€73k▼ 17.1%
2024 · €88k
2018: €95k
2019: €124k
2020: €68k
2021: €58k
2022: €41k
2023: €55k
2024: €88k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€260k-€305k▲ 17.1%€295k▼ 3.3%€316k▲ 7.3%€313k▼ 1.0%
Operating result€43k-€68k▲ 57.6%€76k▲ 12.4%€55k▼ 28.5%€57k▲ 4.5%
Net result€23k-€44k▲ 89.3%€45k▲ 0.5%€21k▼ 51.9%€25k▲ 15.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €811k
Fixed assets
€511k ▼ 6.5%
Current assets
€301k ▲ 3.2%
Equity and liabilities €811k
Equity
€313k ▼ 1.0%
Provisions
€1k ▼ 33.6%
Debt
€497k ▼ 4.3%
Debt's share of the balance-sheet total falls from 62.0% to 61.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€117k▼
2024 · €120k
Cash flow
€85k▼
2024 · €86k
Current ratio
1.32▼
2024 · 1.44
Quick ratio
1.25▲
2024 · 1.18
Debt to equity
1.59▼
2024 · 1.64
ROE
7.9%▲
2024 · 6.8%
ROA
3.1%▲
2024 · 2.6%
Interest coverage
5.74▲
2024 · 4.81
Debt ≤ 1 year
€227k▲
2024 · €203k
Debt > 1 year
€270k▼
2024 · €316k
Income taxes
€13k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€837k€811k▼
Fixed assets21/28€546k€511k▼
Tangible fixed assets22/27€546k€511k▼
Land and buildings22€491k€463k▼
Plant, machinery and equipment23€55k€42k▼
Furniture and vehicles24€0€6k▲
Current assets29/58€291k€301k▲
Stocks and contracts in progress3€52k€16k▼
Stocks30/36€27k€16k▼
Contracts in progress37€25k€0▼
Amounts receivable within one year40/41€104k€159k▲
Trade receivables40€93k€149k▲
Other amounts receivable41€11k€11k▲
Cash at bank and in hand54/58€135k€124k▼
Deferred charges and accrued income490/1€935€1k▲
Equity and liabilities
Total equity and liabilities10/49€837k€811k▼
Equity10/15€316k€313k▼
Contributions10/11€80k€80k=
Reserves13€198k€195k▼
Tax-exempt reserves132€5k€4k▼
Distributable reserves133€192k€191k▼
Profit (loss) carried forward14€38k€38k=
Provisions and deferred taxes16€2k€1k▼
Deferred taxes168€2k€1k▼
Amounts payable17/49€520k€497k▼
Amounts payable after more than one year17€316k€270k▼
Financial debts170/4€316k€270k▼
Amounts payable within one year42/48€203k€227k▲
Current portion of amounts payable after more than one year42€46k€46k=
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€2k€2k=
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€147k€176k▲
Accrued charges and deferred income492/3€944€425▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€60k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€126k€124k▼
Operating profit (loss)9901€55k€57k▲
Financial income75/76B€119€200▲
Recurring financial income75€119€200▲
Financial charges65/66B€25k€20k▼
Recurring financial charges65€25k€20k▼
Profit (loss) for the period before taxes9903€30k€37k▲
Transfer from deferred taxes780€600€600=
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€21k€25k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€23k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€65k▲
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer from equity791/2€0€28k▲
Transfer to equity691/2€23k€27k▲
To other reserves6921€23k€27k▲
Profit to be distributed694/7€0€28k▲
Return on contributions (dividend)694€0€28k▲
Directors or managers695€0-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €45k ▲0.5%
Operating result €76k, net result €45k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €12k ▼7.4%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €203k ▲6.3%
2 profitable years in a row build equity to €203k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Alveringem · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hostede 78690 AlveringemGround area
3,046 m²
Building footprint
989 m²
Volume, LiDAR
6,249 m³
Parcel 38011B0263/00H000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cardinael Stijn
since 20112.204.491.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38011B0263/00H000 | Flanders | 3,046 m² | 1 · 989 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BRAPO
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VAN DUN RAMEN EN DEUREN
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 6,820 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43343Specialised construction activities
43410Roofing work
43421Specialised construction activities
71111Activities of building architects
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.