Turnover
≈ €110,000 estimated
The micro format states no turnover.
CD LEX
Overview
Lifetime
1 annual account with figurespeak €39,517 (2025)
€39,517
peak €24,279 (2025)
€24,279
peak €25,779 (2025)
€25,779
€15,924
Board1 name since 2024
1 directorDELCHAMBRE Céline Solange Pauline Rita
Documentsfilings and deeds
30-09-202661 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€1,500 100 shares
2025 accounts filed 61 days after the deadline
Checked score
96
Excellent
Financially stronger than 71% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.3%
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.4%▲ +0.1 percentage points vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.4%● unchanged vs 08-2026
10-2026: < 0.1%▼ -0.4 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 2.55, cash €35,105
Figures for financial year 2025 (filed on 30-09-2026)
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 69, micro). It does better than 58% of them on solvency, 73% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 39,278 companies had the same profile as CD LEX has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CD LEX itself is lower: < 0.1% within 12 months. It rests on far more data about CD LEX than the profile alone.
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 39,278 companies, not a prediction for CD LEX. 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 €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.55, above the usual 1.5. Short-term debt is 38.2% and cash 84.2% of total assets. 38.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- DELCHAMBRE Céline Solange Pauline Rita 100 sharesdeed of 03-07-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010978342
Incorporation
Founding capital of €1,500, 100 shares · Founder: DELCHAMBRE Céline Solange Pauline Rita · Appointment: DELCHAMBRE Céline Solange Pauline Rita (director) · published on 03-07-2024 · Gazette deed
First establishment
Rue du Curé 5, Hannut
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CD LEX Hannut | €41,703 | €39,517 | 61.8% | - |
| CP LAW Antwerp | €39,796 | €42,975 | 69.6% | - |
| FLOTIS Schoten | €46,668 | €38,129 | 68.0% | - |
| Nitsuki Leuven | €46,757 | €36,664 | 67.4% | - |
| RLGLAW Etterbeek | €49,473 | €38,795 | 63.7% | - |
| High Note Sint-Lievens-Houtem | €43,226 | €40,012 | 69.9% | - |
| BEMH IP CONSULT Wasseiges | €54,079 | €51,585 | 68.8% | - |
These companies have the same main activity as CD LEX: other legal services (NACE 69109). They are comparable in size and age: total assets between €39,800 and €54,100, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 01-07-2024Normal situation
- Activity
- Other legal servicesNACE 69109and 5 others
- Establishment unit
- 2.361.911.9904280 Hannut, since 01-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 31-10-2025
Insights on CD LEX
CD LEX has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,779 and a net result of €24,279.
Its solvency ranks better than 55% of 15,828 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-09-2026, 61 days late€39,517
€38,707
€24,279
€24,643
61.8%
2.55
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €110,000. Estimated: probably between €70,000 and €140,000.
Balance sheet
balance sheet total €41,703 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
61.8%
Higher than 55% of 15,828 companies in 2025.
2.55
Higher than 55% of 15,600 companies in 2025.
58.2%
Higher than 89% of 15,717 companies in 2025.
CD LEX
Middle half of the sector
80% of the sector
Micro accounts in legal and accounting (NACE 69)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
41,703 | |
21/28 |
1,137 | |
22/27 |
1,137 | |
24 |
1,137 | |
29/58 |
40,566 | |
40/41 |
4,157 | |
40 |
523 | |
41 |
3,634 | |
54/58 |
35,105 | |
490/1 |
1,304 | |
| Balance sheet: equity and liabilities | ||
10/49 |
41,703 | |
10/15 |
25,779 | |
10/11 |
1,500 | |
13 |
20,000 | |
133 |
20,000 | |
14 |
4,279 | |
17/49 |
15,924 | |
42/48 |
15,924 | |
46 |
2,835 | |
45 |
13,089 | |
450/3 |
13,089 | |
| Income statement | ||
9900 |
39,517 | |
630 |
487 | |
640/8 |
322 | |
9901 |
38,707 | |
75/76B |
3 | |
75 |
3 | |
65/66B |
4,607 | |
65 |
4,607 | |
9903 |
34,103 | |
67/77 |
9,824 | |
9904 |
24,279 | |
9905 |
24,279 | |
| Appropriation of the result | ||
9906 |
24,279 | |
691/2 |
20,000 | |
6921 |
20,000 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00534462.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-09-2026 | 2026-00534462 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 39,194 | ||
| 24,767 | ||
| 1,624 | ||
| 24,643 | ||
| 61.8% | ||
| 2.55 | ||
| 0.62 | ||
| 94.2% | ||
| 58.2% | ||
| 8.51 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €1,624 |
| €487 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on CD LEX
Debt's share of the balance-sheet total is 38.2%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 01-07-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 22-05-2026
Mandates through the years
1 name, the dashed line is todayDELCHAMBRE Céline Solange Pauline Rita
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DELCHAMBRE Céline Solange Pauline Rita
- Director (not named in the articles), from 01-07-2024 to date
Control
This company
CD LEX
Equity €25,779
Profit €24,279 in 2025
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €258 in 2025
- Source
- deed of 03-07-2024
Articles of association
deed of 22-05-2026 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of June at 20:00
Shareholders
At incorporation
deed of 03-07-2024 ↗
- DELCHAMBRE Céline Solange Pauline Rita 100 shares (100%) · €1,500 in cash
Network & group
No group
CD LEX has no parent and no holdings in its annual accounts. DELCHAMBRE Céline Solange Pauline Rita is the only director.
Board mandates elsewhere
1 board mandateBoard mandates of CD LEXCD LEX sits on their board1
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
5 events since 2024Filings
Establishments
Other
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 61 days late
Power of attorney: Laetitia HAŸEZPermanent representative: DELCHAMBRE Céline · “La société a pour seul et unique objet la gestion, en qualité d’administrateur, d’une société professionnelle…” (deed in French) · General meeting of 19-05-20263 points ▸
- General meeting, 19-05-2026
- Permanent representative, DELCHAMBRE Céline (représentant permanent de la présente société)
- Power of attorney, Laetitia HAŸEZ
- The deed holds 3 more points.
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010978342
2024
IncorporationFounding capital of €1,500, 100 shares · Founder: DELCHAMBRE Céline Solange Pauline Rita · Appointment: DELCHAMBRE Céline Solange Pauline Rita (director) · published on 03-07-20245 points ▸
- Founder, DELCHAMBRE Céline Solange Pauline Rita
- Founding capital, €1,500, 100 shares
- 100 shares
- Registered office clause, rue du Curé 5, 4280 Hannut
- Director appointment, DELCHAMBRE Céline Solange Pauline Rita (director (not named in the articles))
- The deed holds 7 more points.
First establishment Rue du Curé 5, Hannut
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
CD LEX was incorporated on 1 July 2024 as a private limited company by one natural person, with a starting capital of €1,500.12 Since 2024, DELCHAMBRE Céline Solange Pauline Rita has served as director.3 The company has filed annual accounts once, for financial year 2025.3
Company details
Identity
- Enterprise number
- 1010.978.342
- VAT number
- BE 1010.978.342
- Peppol ID
- 0208:1010978342
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Thursday of June at 20:00deed of 22-05-2026 (in French)
- Peppol
- Reachable since 31-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CD LEX in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-05-2026 (in French)
Activities
NACEBEL 202569109
Other legal services main activity
58110
Book publishing
58130
Publishing activities
85592
Vocational training
85599
Other education
Codes under NACEBEL 2008
69109
Other legal services main activity
58110
Publishing activities
58140
Publishing activities
82300
Organisation of conventions and trade shows
85592
Vocational training
85599
Other education
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La société a pour seul et unique objet la gestion, en qualité d’administrateur, d’une société professionnelle notariale, à l’exclusion de…”deed of 22-05-2026 (in French)
3 activities
- La société a pour seul et unique objet la gestion, en qualité d’administrateur, d’une société professionnelle notariale, à l’exclusion de toute activité en dehors de la seule et unique société professionnelle notariale dont elle est administrateur.
- Elle peut également gérer son patrimoine mobilier et immobilier de manière rationnelle et efficace.
- Dans les limites de cette gestion, elle pourra, pour son compte propre et sous forme de placements, acquérir, aliéner, prendre et donner en location, grever de droits réels et personnels tous biens mobiliers et immobiliers.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Curé 5 registered office 4280 Hannut | 01-07-2024 | 2.361.911.990 |
Buildings and parcels at the address
- Ground area
- 1,327 m²
- Buildings
- 118 m²
- Volume, LiDAR
- 712 m³
- Tallest building
- 8.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 64051B0332/00C000 | 1,327 m² | 1 · 118 m² | 8.7 m · 2 |
Contact
E-mail
celine.delchambre.130518@belnot.be
Phone
+32 473 56 02 12