CEBEWARE
ActiveCEBEWARE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €85k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 7.18 in 2024), and 39.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
60.1%
Return on assets
31.4%
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 08-05-2026, 84 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
84 d early
2024
64 d early
2023
6 d early
2022
25 d early
2021
17 d late
2020
9 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
€162k=
2024 · €162k
2020: €75k
2021: €110k
2022: €146k
2023: €108k
2024: €162k
2020 → 2025
Total assets
€270k▲ 48.4%
2024 · €182k
2020: €93k
2021: €120k
2022: €177k
2023: €160k
2024: €182k
2020 → 2025
Net result
€85k▲ 32.5%
2024 · €64k
2020: €69k
2021: €35k
2022: €36k
2023: €63k
2024: €64k
2020 → 2025
Working capital
€125k▲ 3.5%
2024 · €121k
2020: €56k
2021: €96k
2022: €137k
2023: €102k
2024: €121k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€146k▲ 33.0%€108k▼ 26.1%€162k▲ 49.9%€162k=
Operating result€46k-€52k▲ 13.8%€90k▲ 73.1%€88k▼ 1.4%€108k▲ 21.7%
Net result€35k-€36k▲ 3.4%€63k▲ 72.5%€64k▲ 2.1%€85k▲ 32.5%
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 22% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €270k
Fixed assets
€37k▼ 10.1%
Current assets
€233k▲ 65.6%
Equity and liabilities €270k
Equity
€162k=
Debt
€108k▲ 450%
The debt ratio rises from 10.8% to 39.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€117k▲
2024 · €94k
Cash flow
€94k▲
2024 · €70k
Solvency
60.1%▼
2024 · 89.2%
Current ratio
2.16▼
2024 · 7.18
Quick ratio
2.16▼
2024 · 7.18
Debt / equity
0.66▲
2024 · 0.12
ROE
52.2%▲
2024 · 39.4%
ROA
31.4%▼
2024 · 35.2%
Interest coverage
587.92▲
2024 · 430.82
Debt
€108k▲
2024 · €20k
Debt ≤ 1 year
€108k▲
2024 · €20k
Income taxes
€23k▼
2024 · €25k
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€182k€270k▲
Fixed assets21/28€41k€37k▼
Tangible fixed assets22/27€41k€37k▼
Furniture and vehicles24€41k€37k▼
Current assets29/58€141k€233k▲
Amounts receivable within one year40/41€71k€71k▲
Trade receivables40€56k€71k▲
Other amounts receivable41€15k€207▼
Cash at bank and in hand54/58€68k€161k▲
Deferred charges and accrued income490/1€1k€607▼
Equity and liabilities
Total equity and liabilities10/49€182k€270k▲
Equity10/15€162k€162k=
Contributions10/11€6k€6k=
Reserves13€156k€156k=
Distributable reserves133€156k€156k=
Amounts payable17/49€20k€108k▲
Amounts payable within one year42/48€20k€108k▲
Trade debts44€85€246▲
Suppliers440/4€85€246▲
Taxes, remuneration and social security45€11k€35k▲
Taxes450/3€11k€35k▲
Other amounts payable47/48€9k€72k▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€402-
Gross operating margin9900€95k€117k▲
Operating profit (loss)9901€88k€108k▲
Financial income75/76B€479-
Recurring financial income75€479-
Financial charges65/66B€219€199▼
Recurring financial charges65€219€199▼
Profit (loss) for the period before taxes9903€89k€107k▲
Income taxes67/77€25k€23k▼
Profit (loss) for the period9904€64k€85k▲
Profit (loss) for the period to be appropriated9905€64k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€85k▲
Profit (loss) brought forward from the previous period14P€3k-
Transfer to equity691/2€57k-
To other reserves6921€57k-
Profit to be distributed694/7€10k€85k▲
Return on contributions (dividend)694€10k€85k▲
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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €85k ▲32.5%
Operating result €108k, net result €85k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 7.18
Current ratio from 2.97 to 7.18; short-term debt falls from €52k to €20k.
31-12
Financial
Equity above €150kEq €162k ▲49.9%
5 profitable years in a row build equity to €162k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Weakest financial yearnet €35k ▼48.9%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 10.70
Current ratio from 4.12 to 10.70; short-term debt falls from €18k to €10k.
31-12
Financial
Equity above €100kEq €110k ▲46.8%
2 profitable years in a row build equity to €110k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Watermaal-Bosvoorde · 1 establishment unit since 2019
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.
Bosduiflaan 161170 Watermaal-BosvoordeGround area
218 m²
Building footprint
87 m²
Volume, LiDAR
409 m³
Parcel 21017D0232/00R000, Brussels · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CEBEWARE
since 20192.290.318.468
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0232/00R000 | Brussels | 218 m² | 1 · 87 m² | 7.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
FRESPI
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TRIPLE L
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IG DATA CONSULTING
BE 1000.076.136
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VEBA Consulting
BE 0741.447.511
Sint-Niklaas · Eq €162k
Q - IT
BE 0874.553.978
Sint-Niklaas · Eq €162k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 15,198 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.