CDGEM
ActiveFrom the official registers: KBO 12 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
CDGEM has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80,318 and a net result of €25,088. Equity is growing by about 21% per year across the filed financial years. Its solvency ranks better than 58% of 20,659 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Official details
KBO- Status
- Active since 27-10-2013 Normal situation
- Legal form
- Private limited company
- Registered office
- Chaussée de Namur, Beuzet 412, 5030 Gembloux
- Activity
- Dental practice NACE 86230
- Establishment unit
- 2.233.858.530 5030 Gembloux, since 27-10-2013
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
How it is doing
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €46,963
- ▲ 17.9%
- Turnover
- ≈ €140,000
- estimated
- Profit
- €25,088
- ▲ 6.6%
- Equity
- €80,318
- ▲ 21.4%
- Total assets
- €113,724
- ▲ 15.0%
Why 95lowers riskLiquidity: current ratio 3.11, cash €82,427Sector: Human health activities (NACE 86)Equity €80,318 (70.6% of total assets)Size: total assets €113,724Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 86, micro): better than 59% on solvency, 73% on liquidity, 56% on profitability and 65% on growth.
The bankruptcy probability was computed on 31-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 14 days before the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials · financial year 2025, micro format
2025 annual accounts filed late (18 days) Filed on 18 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00403695.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 18-08-2026
- Format
- micro format
- Reference
- 2026-00403695
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 86, Human health activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 34,693 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95.3% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,693 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | €159,509 | - | - | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,391 | €17,425 | €16,334 | €10,847 | €6,664 | €11,364 | €12,037 | €11,959 | ▼ 0.6% |
| Other operating charges640/8 | - | - | - | €440 | €893 | €181 | €281 | €292 | ▲ 3.9% |
| Non-recurring operating charges66A | - | - | - | - | - | €63 | - | €171 | - |
| Gross operating margin9900 | €29,728 | -€7,084 | €37,618 | €36,255 | €57,397 | €23,947 | €39,836 | €46,963 | ▲ 17.9% |
| Operating profit (loss)9901 | €9,817 | -€27,226 | €18,914 | €24,968 | €49,840 | €12,339 | €27,518 | €34,541 | ▲ 25.5% |
| Financial income75/76B | - | - | - | - | - | - | €13 | €2 | ▼ 84.6% |
| Recurring financial income75 | - | - | - | - | - | - | €13 | €2 | ▼ 84.6% |
| Financial charges65/66B | - | - | - | €2,459 | €1,831 | €1,288 | €890 | €671 | ▼ 24.6% |
| Recurring financial charges65 | €3,831 | €3,461 | €2,852 | €2,459 | €1,831 | €1,288 | €890 | €671 | ▼ 24.6% |
| Profit (loss) for the period before taxes9903 | €5,986 | -€30,687 | €16,062 | €22,509 | €48,009 | €11,051 | €26,641 | €33,872 | ▲ 27.1% |
| Income taxes67/77 | €3,532 | -€54 | €699 | €2,174 | €4,633 | €8,292 | €3,096 | €8,784 | ▲ 184% |
| Profit (loss) for the period9904 | €2,454 | -€30,633 | €15,363 | €20,335 | €43,376 | €2,759 | €23,545 | €25,088 | ▲ 6.6% |
| Profit (loss) for the period to be appropriated9905 | €2,454 | -€30,633 | €15,363 | €20,335 | €43,376 | €2,759 | €23,545 | €25,088 | ▲ 6.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €109,845 | €64,802 | €67,577 | €76,072 | €123,014 | €98,531 | €98,867 | €113,724 | ▲ 15.0% |
| Fixed assets21/28 | €44,634 | €30,009 | €13,674 | €3,915 | €45,387 | €40,618 | €28,581 | €18,622 | ▼ 34.8% |
| Tangible fixed assets22/27 | €44,595 | €29,970 | €13,635 | €3,876 | €45,348 | €40,579 | €28,542 | €18,583 | ▼ 34.9% |
| Plant, machinery and equipment23 | - | - | - | €3,876 | €4,048 | €8,677 | €6,038 | €5,478 | ▼ 9.3% |
| Furniture and vehicles24 | - | - | - | - | €41,300 | €31,902 | €22,504 | €13,105 | ▼ 41.8% |
| Financial fixed assets28 | €39 | €39 | €39 | €39 | €39 | €39 | €39 | €39 | = |
| Current assets29/58 | €65,211 | €34,793 | €53,903 | €72,157 | €77,627 | €57,913 | €70,286 | €95,102 | ▲ 35.3% |
| Amounts receivable within one year40/41 | €3,497 | €8,441 | €4,921 | €5,790 | €8,910 | €12,606 | €6,318 | €10,256 | ▲ 62.3% |
| Trade receivables40 | - | - | - | €5,790 | €8,910 | €12,606 | €6,120 | €7,471 | ▲ 22.1% |
| Other amounts receivable41 | - | - | - | - | - | - | €198 | €2,785 | ▲ 14× |
| Cash at bank and in hand54/58 | €55,197 | €23,790 | €45,687 | €61,772 | €67,807 | €44,175 | €61,436 | €82,427 | ▲ 34.2% |
| Deferred charges and accrued income490/1 | - | - | - | €4,595 | €910 | €1,132 | €2,532 | €2,419 | ▼ 4.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €109,845 | €64,802 | €67,577 | €76,072 | €123,014 | €98,531 | €98,867 | €113,724 | ▲ 15.0% |
| Equity10/15 | €40,428 | €9,795 | €25,158 | €36,493 | €68,441 | €59,771 | €66,173 | €80,318 | ▲ 21.4% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €18,600 | ▲ 50.0% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €4,660 | €4,660 | €4,660 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | - | - | €2,800 | €2,800 | €2,800 | = |
| Profit (loss) carried forward14 | €26,168 | -€4,465 | €10,898 | €22,233 | €54,181 | €42,711 | €49,113 | €57,058 | ▲ 16.2% |
| Amounts payable17/49 | €69,417 | €55,007 | €42,419 | €39,579 | €54,573 | €38,760 | €32,694 | €33,406 | ▲ 2.2% |
| Amounts payable after more than one year17 | €53,897 | €41,231 | €28,040 | €14,304 | €19,279 | €13,959 | €8,490 | €2,869 | ▼ 66.2% |
| Financial debts170/4 | - | - | - | €14,304 | €19,279 | €13,959 | €8,490 | €2,869 | ▼ 66.2% |
| Amounts payable within one year42/48 | €15,520 | €13,776 | €14,379 | €25,275 | €35,294 | €24,801 | €24,204 | €30,537 | ▲ 26.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €13,737 | €19,480 | €5,320 | €5,469 | €5,621 | ▲ 2.8% |
| Trade debts44 | €1,857 | €1,050 | €1,189 | €738 | €765 | €6,088 | €147 | €6,307 | ▲ 43× |
| Suppliers440/4 | - | - | - | €738 | €765 | €6,088 | €147 | €6,307 | ▲ 43× |
| Taxes, remuneration and social security45 | - | - | - | €2,700 | €5,249 | €3,593 | €5,307 | €5,307 | = |
| Taxes450/3 | - | - | - | €2,700 | €3,429 | €3,593 | €5,307 | €5,307 | = |
| Remuneration and social security454/9 | - | - | - | - | €1,820 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €8,100 | €9,800 | €9,800 | €13,281 | €13,302 | ▲ 0.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,454 | -€30,633 | €15,363 | €20,335 | €43,376 | €2,759 | €23,545 | €25,088 | ▲ 6.6% |
| + Depreciation and write-downs630 | €19,391 | €17,425 | €16,334 | €10,847 | €6,664 | €11,364 | €12,037 | €11,959 | ▼ 0.6% |
| Operating cash flow (approximation) | €21,845 | -€13,208 | €31,697 | €31,182 | €50,040 | €14,123 | €35,582 | €37,047 | ▲ 4.1% |
| Investment in fixed assets (approximation) | - | -€2,800 | €1 | -€1,088 | -€48,136 | -€6,595 | €0 | -€2,000 | - |
| Change in cash | - | -€31,407 | €21,897 | €16,085 | €6,035 | -€23,632 | €17,261 | €20,991 | ▲ 21.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 12 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-08-2026 | 2026-00403695 | NBB |
| 31-12-2024 | micro format | 11-08-2025 | 2025-00368701 | |
| 31-12-2023 | micro format | 14-06-2024 | 2024-00128545 | |
| 31-12-2022 | micro format | 23-06-2023 | 2023-00150489 | |
| 31-12-2021 | micro format | 06-07-2022 | 2022-20142619 | |
| 31-12-2020 | full format | 05-08-2021 | 2021-46700591 | |
| 31-12-2019 | full format | 09-07-2020 | 2020-28400090 | |
| 31-12-2018 | micro format | 09-08-2019 | 2019-45600559 | |
| 31-12-2017 | micro format | 09-08-2018 | 2018-44700129 | |
| 31-12-2016 | full format | 11-07-2017 | 2017-30400312 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Anne DUPONT |
|
How the board is organised
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, qualité d'administrateur statutaire si nommés dans statuts, un ou plusieurs administrateurs personnes…”“Frais de représentation, voyages et déplacements, fixe ou proportionnelle portée aux frais généraux”
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour les modifications aux statuts, dissolution en tout temps”
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Faculté de l'assemblée générale de désigner un ou plusieurs liquidateurs et de déterminer pouvoirs et émoluments, dissolution pour quelque…”
Articles of association, deed of 30-11-2022 (in French)
Owners and capital
Capital and shareholders
- Anne DUPONT all shares
- 30-11-2022 Converted to unavailable equity
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives avec mentions requises par le Code des sociétés et des associations”
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Ouverture de la souscription, organe qui procède à l'émission”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 30-11-2022 (in French)
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-11
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointmentsResignation: Anne DUPONT (manager) · Appointment: Anne DUPONT (director) · Incorporation11 facts ▸
- Incorporation, 25-10-2013
- Other provision, “statuts non modifiés depuis constitution, déclaré au notaire soussigné” (deed in French)
- Shareholding, 100, “actionnaire unique présent” (deed in French)
- General meeting, 10:11, 100
- Amendment of the articles (2 times)
- Capital conversion, “article 39, §2, alinéa 2, loi du 23 mars introduisant le CSA, compte de capitaux propres apports non appelés” (deed in French)
- Director resignation, Anne DUPONT (manager)
- Director appointment, Anne DUPONT (director (not named in the articles))
- Director discharge, Anne DUPONT
- Registered office clause, “5030 Beuzet (Gembloux),Chaussée de Namur,412” (deed in French)
- Power of attorney, Anne DUPONT
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Purpose, financial year and meetings according to the articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CDGEM
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, par simple décision de l’organe d’administration”
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Tuesday of May
Articles of association, deed of 30-11-2022 (in French)
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92254A0387/00L000 | Wallonia | 5,146 m² | 1 · 152 m² | - |