CABINET CELINE BARETTE
ActiveSummary
The computed 12-month bankruptcy probability of CABINET CELINE BARETTE is 3.3% (moderate). The 2025 annual accounts show equity of €94k and a net result of €19k. Equity is growing by ~28.8% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+1
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 11.34 against 6.75 in 2024; short-term debt: 7.2% and cash: 67.1% of total assets), and 8.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
91.6%
Return on assets
18.4%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
66 d early
2023
55 d early
2022
11 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
€94k▲ 25.2%
2024 · €75k
2022: €35k
2023: €59k
2024: €75k
2022 → 2025
Total assets
€102k▲ 16.4%
2024 · €88k
2022: €49k
2023: €84k
2024: €88k
2022 → 2025
Net result
€19k▲ 19.5%
2024 · €16k
2022: €29k
2023: €24k
2024: €16k
2022 → 2025
Working capital
€76k▲ 7.7%
2024 · €71k
2022: €35k
2023: €55k
2024: €71k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€35k-€59k▲ 70.8%€75k▲ 26.7%€94k▲ 25.2%
Operating result€36k-€31k▼ 14.2%€20k▼ 35.3%€23k▲ 15.3%
Net result€29k-€24k▼ 14.4%€16k▼ 35.6%€19k▲ 19.5%
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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€19k ▲ 301%
Current assets
€84k ▲ 0.6%
Equity and liabilities €102k
Equity
€94k ▲ 25.2%
Debt
€9k ▼ 34.1%
Debt's share of the balance-sheet total falls from 14.8% to 8.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €22k
Cash flow
€21k▲
2024 · €17k
Current ratio
11.34▲
2024 · 6.75
Debt to equity
0.09▼
2024 · 0.17
ROE
20.1%▼
2024 · 21.1%
ROA
18.4%▲
2024 · 17.9%
Interest coverage
248.90▲
2024 · 208.15
Debt ≤ 1 year
€7k▼
2024 · €12k
Income taxes
€5k▲
2024 · €4k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€88k€102k▲
Fixed assets21/28€5k€19k▲
Tangible fixed assets22/27€5k€19k▲
Land and buildings22-€8k
Furniture and vehicles24€5k€10k▲
Current assets29/58€83k€84k▲
Amounts receivable within one year40/41€10k€5k▼
Trade receivables40€7k€1k▼
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€61k€69k▲
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€88k€102k▲
Equity10/15€75k€94k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€69k€88k▲
Amounts payable17/49€13k€9k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€6k▼
Accrued charges and deferred income492/3€668€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€3k€805▼
Gross operating margin9900€25k€27k▲
Operating profit (loss)9901€20k€23k▲
Financial income75/76B-€635
Recurring financial income75-€635
Financial charges65/66B€104€104▲
Recurring financial charges65€104€104▲
Profit (loss) for the period before taxes9903€20k€24k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€16k€19k▲
Profit (loss) for the period to be appropriated9905€16k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€88k▲
Profit (loss) brought forward from the previous period14P€53k€69k▲
The notes to these accounts (9 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼35.6%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.75
Current ratio from 3.24 to 6.75; short-term debt falls from €25k to €12k.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 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.
Rue de Leernes(GTX) 2086030 CharleroiGround area
2,622 m²
Building footprint
546 m²
Volume, LiDAR
1,813 m³
3 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CABINET CB
since 20212.324.089.514
Espace Avicenne
since 20242.380.890.338
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52030A0047/00G036 | Wallonia | 1,105 m² | 1 · 166 m² | - |
| 52030A0046/00Z000 | Wallonia | 889 m² | 1 · 184 m² | - |
| 52047B0128/00G002 | Wallonia | 629 m² | 1 · 196 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Abbreviation FR
CABINET CB
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.