Cebo & A
ActiveSummary
Cebo & A has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €514k and a net result of €86k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 399 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability88▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 12.72 against 6.62 in 2025; short-term debt: 7.2% and cash: 82.8% of total assets), and 7.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 2026Solvency, return and age of the figures
Solvency
92.8%
Return on assets
15.6%
Age of the figures
3 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 27-08-2026, 157 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
157 d early
2025
68 d early
2024
101 d early
2023
112 d early
2022
195 d early
2021
84 d early
2020
89 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€514k▲ 20.2%
2025 · €428k
2019: €386k
2020: €433k
2021: €311k
2022: €312k
2023: €328k
2024: €343k
2025: €428k
2019 → 2026
Total assets
€554k▲ 12.5%
2025 · €492k
2019: €407k
2020: €449k
2021: €343k
2022: €387k
2023: €406k
2024: €421k
2025: €492k
2019 → 2026
Net result
€86k▲ 2.0%
2025 · €85k
2019: €54k
2020: €48k
2021: €59k
2022: €50k
2023: €57k
2024: €70k
2025: €85k
2019 → 2026
Working capital
€466k▲ 28.8%
2025 · €362k
2019: €270k
2020: €318k
2021: €196k
2022: €132k
2023: €163k
2024: €306k
2025: €362k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€312k-€328k▲ 5.0%€343k▲ 4.8%€428k▲ 24.6%€514k▲ 20.2%
Operating result€64k-€78k▲ 20.7%€97k▲ 24.8%€115k▲ 18.8%€118k▲ 3.0%
Net result€50k-€57k▲ 14.0%€70k▲ 23.3%€85k▲ 21.3%€86k▲ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2026 is 3% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €554k
Fixed assets
€48k ▼ 27.0%
Current assets
€506k ▲ 18.7%
Equity and liabilities €554k
Equity
€514k ▲ 20.2%
Debt
€40k ▼ 38.2%
Debt's share of the balance-sheet total falls from 13.1% to 7.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€136k▲
2025 · €132k
Cash flow
€104k▲
2025 · €102k
Current ratio
12.72▲
2025 · 6.62
Debt to equity
0.08▼
2025 · 0.15
ROE
16.8%▼
2025 · 19.8%
ROA
15.6%▼
2025 · 17.2%
Interest coverage
235.47▲
2025 · 190.09
Debt ≤ 1 year
€40k▼
2025 · €64k
Income taxes
€34k▲
2025 · €34k
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 · 2026 against 2025 · 45 lines
Balance sheet
Code20252026
Assets
Total assets20/58€492k€554k▲
Fixed assets21/28€66k€48k▼
Tangible fixed assets22/27€27k€9k▼
Plant, machinery and equipment23€1k€660▼
Furniture and vehicles24€26k€9k▼
Financial fixed assets28€39k€39k=
Current assets29/58€426k€506k▲
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€45k€46k▲
Trade receivables40€45k€46k▲
Current investments50/53€0-
Cash at bank and in hand54/58€380k€459k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€492k€554k▲
Equity10/15€428k€514k▲
Contributions10/11€19k€19k=
Reserves13€409k€496k▲
Distributable reserves133€409k€496k▲
Amounts payable17/49€64k€40k▼
Amounts payable within one year42/48€64k€40k▼
Financial debts43€15k€15k▼
Credit institutions430/8€15k€15k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€13k€13k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€31k€7k▼
Accrued charges and deferred income492/3-€20
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€2k€706▼
Gross operating margin9900€134k€137k▲
Operating profit (loss)9901€115k€118k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€694€579▼
Recurring financial charges65€694€579▼
Profit (loss) for the period before taxes9903€119k€121k▲
Income taxes67/77€34k€34k▲
Profit (loss) for the period9904€85k€86k▲
Profit (loss) for the period to be appropriated9905€85k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€86k▲
Transfer to equity691/2€85k€86k▲
To other reserves6921€85k€86k▲
The notes to these accounts (10 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 2027, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Highest result since 2019net €86k ▲2%
Operating result €118k, net result €86k, both a record.
30-06
Financial
Equity above €500kEq €514k ▲20.2%
8 profitable years in a row build equity to €514k.
2025
24-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €48k ▼11.7%
Net result drops to €48k, the lowest in the series; recovery starts the following year.
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
02-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Herentals · 1 establishment unit since 2007
Ground area
1,139 m²
Building footprint
156 m²
Volume, LiDAR
928 m³
Parcel 13027D0053/00G000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CEBO & A
since 20072.167.815.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027D0053/00G000 | Flanders | 1,139 m² | 1 · 156 m² | 8.5 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 34,429 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
Founded20-12-2007
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.