CEBELES
ActiveCEBELES has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €12k. Equity is growing by ~47.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 6.29 against 7.01 in 2024), and 15.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
84.8%
Return on assets
27.1%
Age of the figures
8 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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
13 d late
2023
42 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 47.0%
2024 · €25k
2023: €13k
2024: €25k
2023 → 2025
Total assets
€44k▲ 51.0%
2024 · €29k
2023: €16k
2024: €29k
2023 → 2025
Net result
€12k▼ 2.8%
2024 · €12k
2023: €10k
2024: €12k
2023 → 2025
Working capital
€35k▲ 56.7%
2024 · €23k
2023: €11k
2024: €23k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€25k▲ 93.7%€37k▲ 47.0%
Operating result€12k-€15k▲ 26.0%€14k▼ 8.0%
Net result€10k-€12k▲ 28.1%€12k▼ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€736▼ 35.3%
Current assets
€42k▲ 59.8%
Equity and liabilities €44k
Equity
€37k▲ 47.0%
Debt
€7k▲ 78.1%
The debt ratio rises from 12.9% to 15.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€15k▼
2024 · €15k
Cash flow
€13k▼
2024 · €13k
Solvency
84.8%▼
2024 · 87.1%
Current ratio
6.29▼
2024 · 7.01
Quick ratio
6.29▼
2024 · 7.01
Debt / equity
0.18▲
2024 · 0.15
ROE
32.0%▼
2024 · 48.4%
ROA
27.1%▼
2024 · 42.1%
Interest coverage
66.82▼
2024 · 81.40
Debt
€7k▲
2024 · €4k
Debt ≤ 1 year
€7k▲
2024 · €4k
Income taxes
€3k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€29k€44k▲
Formation expenses20€2k€1k▼
Fixed assets21/28€1k€736▼
Tangible fixed assets22/27€1k€736▼
Furniture and vehicles24€1k€736▼
Current assets29/58€26k€42k▲
Amounts receivable within one year40/41€22k€42k▲
Trade receivables40€2k€2k=
Other amounts receivable41€20k€40k▲
Cash at bank and in hand54/58€4k€41▼
Equity and liabilities
Total equity and liabilities10/49€29k€44k▲
Equity10/15€25k€37k▲
Contributions10/11€4k€4k=
Reserves13€22k€34k▲
Distributable reserves133€22k€34k▲
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Trade debts44€248€4k▲
Suppliers440/4€248€4k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€411-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€560€894▲
Other operating charges640/8€429€519▲
Gross operating margin9900€16k€15k▼
Operating profit (loss)9901€15k€14k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€190€219▲
Recurring financial charges65€190€219▲
Profit (loss) for the period before taxes9903€16k€15k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€12k€12k▼
Profit (loss) for the period to be appropriated9905€12k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▼
Transfer to equity691/2€12k€12k▼
To the legal reserve6920€12k€12k▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Highest result since 2023net €12k ▲28.1%
Operating result €15k, net result €12k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2022
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.
Amerikalei 1092000 AntwerpenGround area
85 m²
Building footprint
65 m²
Volume, LiDAR
902 m³
Parcel 11811L3611/00B002, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CEBELES
since 20222.336.543.522
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3611/00B002 | Flanders | 85 m² | 1 · 65 m² | 17.3 m · 5 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
AXIUS
BE 0862.695.432
De Haan · Eq €37k
Inevco
BE 0692.948.303
Dilbeek · Eq €37k
Realvstr
BE 0799.307.318
Elsene · Eq €37k
Bert Schoofs Advocaat
BE 0729.578.174
Beringen · Eq €38k
LAMBIMO
BE 0416.233.928
Sint-Jans-Molenbeek · Eq €38k
Of 3,753 companies in sector 68321 we hold annual accounts for 1,381. 828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2022
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.