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CEBOMA

Active
Private limited companyfounded 199333 yrs activeRue de Fontaine(BIN) 225, 7130 Binche, BelgiumKBO/BCE: BE 0450.455.132
Summary

CEBOMA has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41,104 and a net result of -€16,982. Equity is shrinking by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 8200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
CEBOMAActiveChecked score 83/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
Size
€55,197total assets 2025
Equity
€41,104
Loss
-€16,982
Turnover not published (abridged schema)
Financial health
83 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts 30 d early0 of 1 deed read
Why 83- Loss of €16,982, the second in a row (FY 2025)- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 3.32, cash €18,532+ Founded in 1993Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 99+2
equity 74.5% of total assets
Liquidity 88-10
short-term debt 16.0% · cash 33.6%
Profitability 0-72
return on assets -30.8%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,168 companies)
Last 23 months 12-2024: 0.6% 01-2025: 0.7%▲ +2.3% vs 12-2024 02-2025: 0.7%▲ +1.2% vs 01-2025 03-2025: 0.7%● 0.0% vs 02-2025 04-2025: 0.8%▲ +12.1% vs 03-2025 05-2025: 0.8%▲ +2.9% vs 04-2025highest value 06-2025: 0.7%▼ -7.1% vs 05-2025 07-2025: 0.2%▼ -75.2% vs 06-2025lowest value 08-2025: 0.2%● 0.0% vs 07-2025lowest value 09-2025: 0.2%● 0.0% vs 08-2025lowest value 10-2025: 0.2%● 0.0% vs 09-2025lowest value 11-2025: 0.2%● 0.0% vs 10-2025lowest value 12-2025: 0.2%● 0.0% vs 11-2025lowest value 01-2026: 0.2%● 0.0% vs 12-2025lowest value 02-2026: 0.2%▲ +1.7% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%▲ +13.3% vs 03-2026 05-2026: 0.2%▲ +1.5% vs 04-2026 06-2026: 0.2%▼ -7.7% vs 05-2026 07-2026: 0.2%▲ +7.8% vs 06-2026 08-2026: 0.4%▲ +96.1% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026
  • Loss of €16,982, the second in a row (FY 2025) raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Liquidity: current ratio 3.32, cash €18,532 lowers the probability
  • Founded in 1993 lowers the probability for this profile
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 3.32 against 5.22 in 2024; short-term debt: 16% and cash: 33.6% of total assets), and 25.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 83%, liquidity 89%, profitability 5%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €16,982, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Liquidity: current ratio 3.32, cash €18,532
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1993
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€16,982
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 d early
2024
36 d early
2023
40 d early
2022
50 d early
2021
33 d early
2020
25 d late
2019
18 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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. Usually files around 25 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€16,982
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€16,982 View
  • Caution: Among the weakest 10% on net resultsector median €8,346 · 8,193 companies -€16,982 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€55,197
Loss
-€16,982
Solvency
74.5%
Turnover▲ 15.9%
Net result
20182024
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 01-07-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 25-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
05-07-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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