CEBEA
ActiveSummary
CEBEA has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,737 and a net result of €59,637. Its solvency ranks better than 79% of 17,149 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-12-2024 Normal situation
- Activity
- Real estate agency activities NACE 68310and 2 others
- Establishment unit
- 2.368.877.976 1050 Ixelles, since 30-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Board and ownership
- Camille Myriam Gisèle GRAREDirector
- Camille Myriam Gisèle GRARE100 sharesdeed of 02-01-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €76,733
- Turnover
- ≈ €160,000
- estimated
- Profit
- €59,637
- Equity
- €59,737
- Total assets
- €85,352
Score breakdownraises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 2.81, cash €71,247Sector: Real estate activities (NACE 68)Equity €59,737 (70.0% of total assets)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 68, micro). It does better than 78% of them on solvency, 90% on liquidity and 95% on profitability.
The bankruptcy probability was computed on 04-11-2026 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 18-03-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €13,586 |
| Depreciation and write-downs of the year | €172 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €172 |
| Other operating charges640/8 | €1,011 |
| Gross operating margin9900 | €76,733 |
| Operating profit (loss)9901 | €75,551 |
| Financial income75/76B | €0 |
| Recurring financial income75 | €0 |
| Financial charges65/66B | €67 |
| Recurring financial charges65 | €67 |
| Profit (loss) for the period before taxes9903 | €75,484 |
| Income taxes67/77 | €15,847 |
| Profit (loss) for the period9904 | €59,637 |
| Profit (loss) for the period to be appropriated9905 | €59,637 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €85,352 | |
| Fixed assets21/28 | €13,414 | |
| Tangible fixed assets22/27 | €13,414 | |
| Plant, machinery and equipment23 | €754 | |
| Furniture and vehicles24 | €12,660 | |
| Current assets29/58 | €71,938 | |
| Amounts receivable within one year40/41 | €85 | |
| Other amounts receivable41 | €85 | |
| Cash at bank and in hand54/58 | €71,247 | |
| Deferred charges and accrued income490/1 | €606 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €85,352 | |
| Equity10/15 | €59,737 | |
| Contributions10/11 | €100 | |
| Profit (loss) carried forward14 | €59,637 | |
| Amounts payable17/49 | €25,615 | |
| Amounts payable within one year42/48 | €25,615 | |
| Trade debts44 | €182 | |
| Suppliers440/4 | €182 | |
| Taxes, remuneration and social security45 | €25,418 | |
| Taxes450/3 | €25,418 | |
| Other amounts payable47/48 | €15 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €59,637 |
| + Depreciation and write-downs630 | €172 |
| Operating cash flow (approximation) | €59,809 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 11,279 companies had the same profile as CEBEA has now. Two years later, 96.6% were still going and 0.7% had gone bankrupt.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of CEBEA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 11,279 companies, not a prediction for CEBEA. 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.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-03-2026 | 2026-00057478 |
Board & ownership
Directors
Owners and capital
Shareholders
- Camille Myriam Gisèle GRARE 100 shares (100%)
Capital transactions
- 02-01-2025 Incorporation · €100 · 100 shares
Network & group
CEBEA shares no director with another company.
Companies at the same address
2 other companiesConnections & network
1 current directorThe network starts from the directors of CEBEA. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
05-09
Gazette deed
Registered office moved from Ixelles to UccleNew registered office: Chaussée de Waterloo 982 à 1180 Uccle · Previous registered office: Rue du Mail 45/1 à 1050 Ixelles2 points ▸
- General meeting, 26-08-2025
- Registered-office move, Chaussée de Waterloo 982 à 1180 Uccle
02-01
Gazette deed
IncorporationFounding capital of €100, 100 shares · Founder: Camille Myriam Gisèle GRARE · Appointment: Camille Myriam Gisèle GRARE (director)5 points ▸
- Incorporation, 30-12-2024
- Founder, Camille Myriam Gisèle GRARE
- Founding capital, €100, 100 shares
- Registered office clause, rue du Mail, 45/1, 1050 Bruxelles
- Director appointment, Camille Myriam Gisèle GRARE (director (not named in the articles))
- The deed holds 3 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Rue du Mail 45/1, 1050 Ixelles until 26-08-2025 · deed of 05-09-2025
Activities
NACEBEL 20258 activities
- La prestation de tous services dans le cadre de son objet, y compris la gestion du patrimoine immobilier, l'asset management, la gérance, les activités de courtage, de syndic et l'intermédiaire en matière de location ou de cession d'immeubles (y compris les opérations marketing, de publicité en ce compris toutes les prestations de management et de développement de projets immobiliers).
- La société a pour objet toutes les opérations se rapportant directement ou indirectement à l'activité d'agence immobilière.
- La prestation de services de consultance, de courtage et d'assistance sous quelque forme que ce soit et en toute matière généralement quelconque.
- Une participation au marché immobilier pour l'achat, l'échange, le lotissement, la promotion, la vente, la location, la prise en location et en sous-location, le leasing, la cession en location et en sous-location, le tout avec ou sans option d'achat, la construction, la rénovation et la transformation (en ce compris la décoration intérieure), l'exploitation et l'entretien de maisons, appartements, bureaux, magasins, fonds de commerce, terrains, forêts, garages, emplacements de parking et de manière générale, de biens immobiliers de toute nature et accorder et obtenir des droits contenant superficie, accession, emphytéose, usufruit et nue-propriété, hypothèque, privilège et option ainsi que toutes opérations de financement (pour son propre compte).
- La constitution et la gestion d'un patrimoine immobilier et la location-financement de biens immeubles aux tiers, l'acquisition par l'achat ou autrement, la vente, l'échange, la construction, la transformation, l'amélioration, l'équipement, l'aménagement, l'embellissement, l'entretien, la location, la prise en location, le lotissement, la prospection et l'exploitation de biens immobiliers, ainsi que toutes opérations qui, directement ou indirectement sont en relation avec cet objet et qui sont de nature à favoriser l'accroissement et le rapport d'un patrimoine immobilier, de même que se porter caution pour la bonne fin d'engagements pris par des tiers qui auraient la jouissance de ces biens immobiliers.
- Affecter ses biens immeubles et tous ses autres biens en hypothèque, y compris le fonds de commerce, donner en nantissement et donner aval pour tous prêts, ouvertures de crédit et autres engagements tant pour elle-même que pour compte des tiers.
- Les activités de courtage, agence et conseil dans le domaine de l’immobilier.
- Les activités liées à la valorisation immobilière (« Home Staging).
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21612C0275/00X000 | Brussels | 218 m² | 1 · 85 m² | 15.9 m · 4 |
| 21447B0295/00X008 | Brussels | 162 m² | 1 · 72 m² | 15.5 m · 4 |