Equity
€1.1m ▲ 7.8%
ANDRE CELIS NATUURSTEEN has made a profit without a break since 2022.
ANDRE CELIS NATUURSTEEN
Lifetime
19 annual accounts with figures on one time axis, 48 filings since 1977peak €2.9m (2024)
€2.8m▼ 3.7%
lowest -€239,946 (2014)
€76,948▼ 14.9%
peak €1.1m (2025)
€1.1m▲ 7.8%
€5.0m▼ 17.3%
peak 31.2 FTE (2022)
29 FTE▼ 4.0%
Board3 names since 2018
3 directorsCELIS Nick and 2 others
Owners
Documentsfilings and deeds
05-12-202557 days before the deadline
2025abbreviated format
Debts from €6.1m to €5.0mCash from €59,368 to €147,246
Key points
from the 2025 annual accountsTurnover
≈ €12.0m estimated
The abbreviated format states no turnover.
Debts
€5.0m 83% of the balance sheet
Financial debts 61%Suppliers 18%Taxes and wages 4%Other 17%
€2.8m of the debts are secured on the company's own assets. In 2022 that was €2.9m.
Staff
28 employees on 30-06-2025
In 2025, 3 people joined and 4 left.
Filings
48 annual accounts since 1977
The last five annual accounts were filed 7 to 72 days before the end of the period.
Position in the sector
€2.8m
Higher gross margin than 95% of companies in wholesale trade. Sector median €189,260 · 9,863 companies.
Checked score
65
Healthy
Financially stronger than 37% of small companies in wholesale trade (NACE 46)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 4,374 companies (NACE 46, small).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%
01-2025: 1.7%▲ +0.4 percentage points vs 12-2024highest value
02-2025: 1.2%▼ -0.5 percentage points vs 01-2025
03-2025: 1.2%● unchanged vs 02-2025
04-2025: 1.2%● unchanged vs 03-2025
05-2025: 1.2%● unchanged vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.2%● unchanged vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.3%▲ +0.1 percentage points vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.0%▼ -0.3 percentage points vs 12-2025lowest value
02-2026: 1.0%● unchanged vs 01-2026lowest value
03-2026: 1.0%● unchanged vs 02-2026lowest value
04-2026: 1.0%● unchanged vs 03-2026lowest value
05-2026: 1.0%● unchanged vs 04-2026lowest value
06-2026: 1.0%● unchanged vs 05-2026lowest value
07-2026: 1.0%● unchanged vs 06-2026lowest value
08-2026: 1.0%● unchanged vs 07-2026lowest value
09-2026: 1.0%● unchanged vs 08-2026
10-2026: 1.1%▲ +0.1 percentage points vs 09-2026
11-2026: 1.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.06, cash €147,246
Equity €1.1m (17.5% of total assets)
Size: 29 FTE, total assets €6.1m
Sector: Wholesale trade (NACE 46)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small). It does better than 19% of them on solvency, 28% on liquidity, 41% on profitability and 62% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as ANDRE CELIS NATUURSTEEN has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of ANDRE CELIS NATUURSTEEN itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for ANDRE CELIS NATUURSTEEN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €65,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06 (1.17 in 2024), below the usual 1.5. Short-term debt is 49.1% and cash 2.4% of total assets. 82.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9902 sector peers (2025).
NBB · sector comparisonPosition among 9902 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-12-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 days early
2024
24 days early
2023
72 days early
2022
18 days early
2021
7 days early
2020
24 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 7 January (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Board and ownership
CN
CELIS Nick
Director, since 01-01-2018
CF
CELIS François
Director
SC
SWEVERS Christiane
Director
- ANDRE CELIS - HOLDING 50%score 66equity €1.5m (2026) · 31-03-2026 annual accounts of ANDRE CELIS - HOLDING
Recent changes
New establishment in Lubbeek
André Celis Natuursteen, Staatsbaan 77
First establishment
Hertogstraat 28, Leuven
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANDRE CELIS NATUURSTEEN Lubbeek | €6.1m | €2.8m | 17.5% | 29 |
| ISOBUILD VERVIERS Verviers | €6.1m | €1.7m | 67.9% | 26.6 |
| Léon Thiebaut et compagnie Tournai | €5.4m | €2.2m | 84.6% | 31.3 |
| Etablissements Goffette et Fils Chiny | €8.8m | €1.7m | 92.7% | 21 |
| IMI HYDRONIC ENGINEERING Bornem | €4.4m | €4.1m | 17.6% | 30.7 |
| LAMBRECHTS EN NICOLAERS Tongeren-Borgloon | €7.5m | €2.5m | 38.6% | 31.5 |
| Firma Varey Hechtel-Eksel | €5.0m | €1.5m | 26.7% | 22.9 |
These companies have the same main activity as ANDRE CELIS NATUURSTEEN: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €4.4m and €8.8m, founded between 1940 and 1977.
Official details
Source: KBO- Status
- Active since 01-01-1960Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 8 November 2026.
- Activity
- Wholesale of construction materials, general rangeNACE 46831and 1 other
- Joint committee
- 124Construction · annual accounts 30-06-2025
- Establishment units
- 2.007.059.5633001 Leuven, since 01-07-1960
- 2.150.683.2083210 Lubbeek, since 15-12-2005
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- €6.1m▼ 13.8%
- Employeeson 30-06-2025
- 28▼ 3.4%
- Filing
- Filed on 05-12-2025, 57 days before the end of the filing period
Insights on ANDRE CELIS NATUURSTEEN
ANDRE CELIS NATUURSTEEN files the abbreviated format. That format states no turnover. The gross margin rose from €1.0m in 2007 to €2.8m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ANDRE CELIS NATUURSTEEN
- What is the company number of ANDRE CELIS NATUURSTEEN?
- The company number of ANDRE CELIS NATUURSTEEN is 0403.599.083. The VAT number is the same number with BE in front: BE 0403.599.083.
- Where is ANDRE CELIS NATUURSTEEN based?
- The registered office is at Staatsbaan 119, 3210 Lubbeek.Company details
- What does ANDRE CELIS NATUURSTEEN do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of ANDRE CELIS NATUURSTEEN?
- ANDRE CELIS NATUURSTEEN is a private limited company (BV).
- When was ANDRE CELIS NATUURSTEEN founded?
- ANDRE CELIS NATUURSTEEN was founded on 01-01-1960.
- Is ANDRE CELIS NATUURSTEEN still active?
- Yes, ANDRE CELIS NATUURSTEEN is an active enterprise in the KBO register.
- How many employees does ANDRE CELIS NATUURSTEEN have?
- ANDRE CELIS NATUURSTEEN had an average of 29 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does ANDRE CELIS NATUURSTEEN fall under?
- In its 30-06-2025 annual accounts, ANDRE CELIS NATUURSTEEN states joint committee 124 (Construction).
- What is the turnover of ANDRE CELIS NATUURSTEEN?
- The turnover in financial year 2025 is ≈ €12.0m. This figure is estimated from the gross margin of €2.8m and 98 comparable companies (NACE 46). It probably lies between €7.0m and €20.0m.
- Is ANDRE CELIS NATUURSTEEN profitable?
- In financial year 2025, ANDRE CELIS NATUURSTEEN made a profit of €76,948.
- Where can I find the annual accounts of ANDRE CELIS NATUURSTEEN?
- ANDRE CELIS NATUURSTEEN filed 48 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ANDRE CELIS NATUURSTEEN due?
- ANDRE CELIS NATUURSTEEN must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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