Ce-Tec
ActiveSummary
The computed 12-month bankruptcy probability of Ce-Tec is 1.6% (moderate). The 2025 annual accounts show equity of €122k and a net result of €48k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 45% of 1309 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-2
Solvency66▼-28
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 2.59 in 2024; short-term debt: 56.9% and cash: 47.8% of total assets), and 58.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
41.3%
Return on assets
16.3%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
19 d late
2023
31 d early
2022
28 d early
2021
31 d early
2020
23 d late
← 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
€122k▼ 29.7%
2024 · €174k
2020: €40k
2021: €72k
2022: €109k
2023: €130k
2024: €174k
2020 → 2025
Total assets
€296k▲ 17.6%
2024 · €252k
2020: €106k
2021: €146k
2022: €174k
2023: €239k
2024: €252k
2020 → 2025
Net result
€48k▲ 8.9%
2024 · €44k
2020: €39k
2021: €32k
2022: €37k
2023: €46k
2024: €44k
2020 → 2025
Working capital
€65k▼ 34.0%
2024 · €99k
2020: €17k
2021: €29k
2022: €65k
2023: €49k
2024: €99k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€109k▲ 51.7%€130k▲ 19.4%€174k▲ 34.1%€122k▼ 29.7%
Operating result€41k-€47k▲ 15.5%€61k▲ 28.5%€60k▼ 2.0%€64k▲ 7.1%
Net result€32k-€37k▲ 16.2%€46k▲ 24.3%€44k▼ 3.9%€48k▲ 8.9%
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 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €296k
Fixed assets
€63k ▼ 31.2%
Current assets
€234k ▲ 45.3%
Equity and liabilities €296k
Equity
€122k ▼ 29.7%
Debt
€174k ▲ 124%
Debt's share of the balance-sheet total rises from 30.9% to 58.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€97k▲
2024 · €93k
Cash flow
€81k▲
2024 · €77k
Current ratio
1.39▼
2024 · 2.59
Debt to equity
1.42▲
2024 · 0.45
ROE
39.4%▲
2024 · 25.4%
ROA
16.3%▼
2024 · 17.6%
Interest coverage
32.15▲
2024 · 24.86
Debt ≤ 1 year
€169k▲
2024 · €62k
Debt > 1 year
€3k▼
2024 · €14k
Income taxes
€13k▲
2024 · €12k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€296k▲
Fixed assets21/28€91k€63k▼
Tangible fixed assets22/27€88k€60k▼
Plant, machinery and equipment23€31k€22k▼
Furniture and vehicles24€21k€12k▼
Leasing and similar rights25€37k€26k▼
Financial fixed assets28€3k€3k=
Current assets29/58€161k€234k▲
Amounts receivable within one year40/41€56k€88k▲
Trade receivables40€53k€88k▲
Other amounts receivable41€4k€332▼
Cash at bank and in hand54/58€101k€142k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€252k€296k▲
Equity10/15€174k€122k▼
Contributions10/11€1k€1k=
Reserves13€173k€121k▼
Distributable reserves133€173k€121k▼
Amounts payable17/49€78k€174k▲
Amounts payable after more than one year17€14k€3k▼
Financial debts170/4€14k€3k▼
Amounts payable within one year42/48€62k€169k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€9k€16k▲
Taxes450/3€9k€16k▲
Other amounts payable47/48€40k€139k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€95k€99k▲
Operating profit (loss)9901€60k€64k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€56k€61k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€44k€48k▲
Profit (loss) for the period to be appropriated9905€44k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€48k▲
Transfer from equity791/2-€52k
Transfer to equity691/2€44k-
To other reserves6921€44k-
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €48k ▲8.9%
Operating result €64k, net result €48k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €150kEq €174k ▲34.1%
5 profitable years in a row build equity to €174k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €109k ▲51.7%
3 profitable years in a row build equity to €109k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €32k ▼17.9%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Eeklo · 1 establishment unit since 2020
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.
Brugsesteenweg 2539900 EekloGround area
639 m²
Building footprint
93 m²
Volume, LiDAR
546 m³
Parcel 43005A0731/00F002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brugsesteenweg 253, 9900 Eeklo
since 20202.300.263.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0731/00F002 | Flanders | 639 m² | 1 · 93 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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MANTAEV SERVICE
BE 0761.859.279
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Scou
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Of 3,713 companies in sector 33120 we hold annual accounts for 1,342. 1,140 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
33120Repair and maintenance of machinery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@ce-te.be