"C.E.M.T"
ActiveThe computed 12-month bankruptcy probability of "C.E.M.T" is 6.0% (elevated). The 2023 annual accounts show equity of €71k and a net result of €24k. Its solvency ranks better than 74% of 24647 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2023
83
/ 100
Excellent▲ +15 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability100=
Solvency98▲+50
Growth52
Stability94
Bankruptcy probability, 12 months
6.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.97 against 1.19 in 2022), and 40.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
59.5%
Return on assets
20%
Age of the figures
32 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline13-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 08-10-2024, 69 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
69 d late
2022
94 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€71k▲ 50.6%
2022 · €47k
2022: €47k
2022 → 2023
Total assets
€119k▼ 29.1%
2022 · €168k
2022: €168k
2022 → 2023
Net result
€24k▼ 35.7%
2022 · €37k
2022: €37k
2022 → 2023
Working capital
€47k▲ 105%
2022 · €23k
2022: €23k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023Trend
Equity€47k-€71k▲ 50.6%
Operating result€60k-€34k▼ 44.2%
Net result€37k-€24k▼ 35.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2023; 2023 is 44% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €119k
Fixed assets
€24k▼ 0.9%
Current assets
€95k▼ 33.9%
Equity and liabilities €119k
Equity
€71k▲ 50.6%
Debt
€48k▼ 60.2%
The debt ratio falls from 72.0% to 40.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2022 · €61k
Cash flow
€24k▼
2022 · €37k
Solvency
59.5%▲
2022 · 28.0%
Current ratio
1.97▲
2022 · 1.19
Quick ratio
0.14▲
2022 · 0.09
Debt / equity
0.68▼
2022 · 2.57
ROE
33.6%▼
2022 · 78.7%
ROA
20.0%▼
2022 · 22.0%
Interest coverage
22.07▲
2022 · 4.69
Debt
€48k▼
2022 · €121k
Debt ≤ 1 year
€48k▼
2022 · €121k
Income taxes
€8k▼
2022 · €10k
Staff costs
€12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€168k€119k▼
Fixed assets21/28€24k€24k▼
Tangible fixed assets22/27€13k€13k▼
Furniture and vehicles24€13k€13k▼
Financial fixed assets28€11k€11k=
Current assets29/58€143k€95k▼
Stocks and contracts in progress3€132k€88k▼
Stocks30/36€132k€88k▼
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€6k-
Other amounts receivable41€3k€6k▲
Current investments50/53-€1k
Cash at bank and in hand54/58€2k-
Equity and liabilities
Total equity and liabilities10/49€168k€119k▼
Equity10/15€47k€71k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€37k€61k▲
Amounts payable17/49€121k€48k▼
Amounts payable within one year42/48€121k€48k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€91k€26k▼
Suppliers440/4€91k€26k▼
Taxes, remuneration and social security45€19k€19k▼
Taxes450/3€19k€19k▼
Other amounts payable47/48€11k€2k▼
Income statement
Code20222023
Remuneration, social security and pensions62-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€520€222▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€64k€47k▼
Operating profit (loss)9901€60k€34k▼
Financial income75/76B€36-
Recurring financial income75€36-
Financial charges65/66B€13k€2k▼
Recurring financial charges65€13k€2k▼
Profit (loss) for the period before taxes9903€47k€32k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€37k€24k▼
Profit (loss) for the period to be appropriated9905€37k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€61k▲
Profit (loss) brought forward from the previous period14P-€37k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 94 days late
NBB filing
Directors · office · real estate
Directors
3 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, Anderlecht · 2 establishment units since 2021
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.
Veeartsenstraat 331070 AnderlechtGround area
247 m²
Building footprint
238 m²
Volume, LiDAR
3,757 m³
2 parcels, Brussels · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Cureghem I
since 20212.314.166.117
La Duchesse
since 20222.329.690.471
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0269/00W004 | Brussels | 130 m² | 1 · 134 m² | 21.3 m · 6 fl. |
| 21523B0939/00V089 | Brussels | 117 m² | 1 · 104 m² | 16.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAnderlecht2.314.166.117
Sint-Jans-Molenbeek2.329.690.471
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Snack Lilly
BE 0860.392.770
Antwerpen · Eq €70k
MASUDI
BE 0880.571.641
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MANELISCHARL
BE 0684.865.233
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BRYVA
BE 0823.278.689
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Of 2,466 companies in sector 47279 we hold annual accounts for 942. 789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47620Retail trade
47621Retail sale of newspapers and periodicals
47242Retail sale of chocolate and confectionery
47260Retail trade
47610Retail trade
61100Wired, wireless and satellite telecommunications
61200Telecommunications
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.