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Checked.be
Complete company report
Generated 28-06-2026
Active BE 0451.494.814Private limited company

C.E.C. FINANCE

Chaussée de Binche 177 ·7000 Mons, Belgium· 32 yrs active
Sector: NACE 66191 (66191)
Conclusion Checked

The computed 12-month bankruptcy probability of C.E.C. FINANCE is < 0.1% (very low). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 32 yrs
Locations 1
Publications 3
Bankruptcy probability (12 mo) Checked model v1 · free
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Higher-failure-rate region +

Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1993 — 32 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company — latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 16-12-2025 2025-00582725
31-12-2023 volledig 09-12-2024 2024-00612141
31-12-2022 micro 30-08-2023 2023-00399570
31-12-2021 volledig 16-08-2022 2022-20289493
31-12-2020 volledig 28-10-2021 2021-75100080
31-12-2019 volledig 22-10-2020 2020-63300161
31-12-2018 volledig 07-08-2019 2019-45200352
31-12-2017 volledig 23-07-2018 2018-35700139
31-12-2016 volledig 06-07-2017 2017-27300561
31-12-2015 volledig 10-06-2016 2016-16400306
Legal Structure
NACE primary 66191
Legal form Private limited company(610)
Incorporation25-11-1993
StatusActive
Postal code7000
Establishment units 1 location
Chaussée de Binche 177, 7000 Mons
de Deposito- en Consignatiekas
since 20072.173.158.603
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53404B0716/00A000 Wallonia 1,406 m² 1 · 217 m² 7.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data — this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
16-12-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
09-12-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
12-03-2024
State Gazette act Director changes
2023
30-11-2023
State Gazette act Capital & shares
30-11-2023
State Gazette act Director changes
30-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
16-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
28-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
22-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
07-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
23-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
06-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
10-06-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad — acts 3 acts
Capital history · 1
30-11-2023
Capital change
All acts · 3 updated 2 years ago
2024
12-03-2024 Christophe CONTRUCCI resigns as director Director changes
  • Christophe CONTRUCCI — Bestuurder
Technical details 
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      "role": "administrateur",
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        "name": "Christophe CONTRUCCI",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Pr\u00E9cision quant aux dispositions adopt\u00E9es \u00E0 l\u0027occasion de l\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire du 31 octobre 2023, qui acte \u00E0 l\u0027unanimit\u00E9 des voix la d\u00E9mission de Monsieur Christophe CONTRUCCI, de ses fonctions d\u0027administrateur de la S.R.L CEC FINANCE.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "decharge_granted",
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      "statutory": "statutair",
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      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire vote \u00E0 l\u0027unanimit\u00E9 des voix en faveur de la r\u00E9solution, et consent une d\u00E9charge compl\u00E8te, d\u00E9finitive et irr\u00E9vocable \u00E0 Monsieur Christophe CONTRUCCI des actes qu\u0027il a pos\u00E9s \u00E0 l\u0027occasion de l\u0027exercice de sa fonction d\u0027administrateur de la soci\u00E9t\u00E9, pour la p\u00E9riode co",
      "decharge_status": "granted",
      "mandate_duration": {
        "kind": "until_date",
        "value": null
      },
      "rep_rotation_new_rep": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
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    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2024-03-12",
    "filing_date": "2023-10-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-02-26",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0451.494.814",
    "name_full": "CEC FINANCE",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Virginie BANDIERA",
    "org_rep_person_name": null,
    "person_role_at_subject": "administratrice"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
30-11-2023 Restructuring of share classes Capital & shares
Technical details 
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    {
      "kind": "share_class_creation",
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      "subscribers": [
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          "kbo": null,
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          "kind": "org",
          "name": "CEC FINANCE ET ASSURANCES",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 748,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Christophe CONTRUCCI",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": "78.02.13-102-03",
          "kind": "person",
          "name": "Virginia BANDIERA",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        }
      ],
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": 750,
        "with_new_shares": true,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
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        "n_new_shares": null,
        "with_new_shares": false,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_buyback",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": null,
        "with_new_shares": false,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-11-30",
    "filing_date": "2023-10-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2023-11-21",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2023-10-31"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0451.494.814",
    "name_full": "CEC FINANCE",
    "legal_form": "SRL",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "org",
      "name": "CEC FINANCE ET ASSURANCES",
      "role": null,
      "n_shares": 748,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Christophe CONTRUCCI",
      "role": null,
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Virginia BANDIERA",
      "role": null,
      "n_shares": 1,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
30-11-2023 2 directors appointed, 1 resigning Director changes
  • Christophe CONTRUCCI — Directeur
  • Virginia BANDIERA — Commissaris
  • Christophe CONTRUCCI — Directeur
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "Christophe CONTRUCCI",
        "address": "7331 BAUDOUR, Circuit de la Clairi\u00E8re n\u00B056",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "Christophe CONTRUCCI",
        "address": "7331 BAUDOUR, Circuit de la Clairi\u00E8re n\u00B056",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
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      "evidence_quote": "",
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      "effective_date_qualifier": null
    },
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": "NN 78.02.13-102-03",
        "name": "Virginia BANDIERA",
        "address": "7331 SAINT-GHISLAIN, Rue Ferrer n\u00B018",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
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      "compensated": null,
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      "evidence_quote": "",
      "decharge_status": null,
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      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "commissaris",
      "person": {
        "rrn": "NN 78.02.13-102-03",
        "name": "Virginia BANDIERA",
        "address": "7331 SAINT-GHISLAIN, Rue Ferrer n\u00B018",
        "birth_date": null,
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        "birth_place": null
      },
      "reason": null,
      "subkind": null,
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      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "directeur",
      "person": {
        "rrn": "NN 78.02.13-102-03",
        "name": "Virginia BANDIERA",
        "address": "7331 SAINT-GHISLAIN, Rue Ferrer n\u00B018",
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      },
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    },
    {
      "kind": "substantive_delegation",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "Christophe CONTRUCCI",
        "address": "7331 BAUDOUR, Circuit de la Clairi\u00E8re n\u00B056",
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      },
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      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-11-30",
    "filing_date": "2023-10-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
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      "body": "algemene_vergadering",
      "date": "2023-11-21",
      "unanimous": null
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  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0451.494.814",
    "name_full": "CEC FINANCE",
    "legal_form": "SRL",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms — you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.67130
Primary activity highlighted.
Names & trade names
Legal nameFR C.E.C. FINANCE
Registered office
Chaussée de Binche 177 bus C
7000 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative