Ceceo

Active

Private limited companyfounded 20224 yrs activeVenstraat 55, 2900 Schoten, BelgiumKBO/BCE: BE 0788.763.121

Summary

The computed 12-month bankruptcy probability of Ceceo is 1.5% (moderate). The 2024 annual accounts show equity of €119k and a net result of €41k. Its solvency ranks better than 61% of 6162 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability85▼-15

Solvency63▲+12

Growth52

Track record94

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 2.79 against 1.37 in 2023; short-term debt: 15.7% and cash: 43.2% of total assets), but 61.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Two signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

60 d late

2023

61 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

Financials · fiscal year 2024, micro schema

Equity

€119k▲ 53.2%

2023 · €77k

2023: €77k

2023 → 2024

Total assets

€310k▲ 5.9%

2023 · €293k

2023: €293k

2023 → 2024

Net result

€41k▼ 43.1%

2023 · €72k

2023: €72k

2023 → 2024

Working capital

€87k▲ 263%

2023 · €24k

2023: €24k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€77k-€119k▲ 53.2%

Operating result€102k-€64k▼ 37.0%

Net result€72k-€41k▼ 43.1%

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 2024; 2024 is 37% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €310k

56.1%

43.9%

Fixed assets €174k ▼ 14.3%

Current assets €136k ▲ 52.0%

Equity and liabilities €310k

38.3%

61.7%

Equity €119k ▲ 53.2%

Debt €191k ▼ 11.1%

Debt's share of the balance-sheet total falls from 73.5% to 61.7%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€95k▼

2023 · €130k

Cash flow

€72k▼

2023 · €101k

Current ratio

2.79▲

2023 · 1.37

Debt to equity

1.61▼

2023 · 2.78

ROE

34.7%▼

2023 · 93.5%

ROA

13.3%▼

2023 · 24.8%

Interest coverage

8.97▼

2023 · 11.43

Debt ≤ 1 year

€49k▼

2023 · €65k

Debt > 1 year

€143k▼

2023 · €150k

Income taxes

€12k▼

2023 · €18k

Staff costs

€140k▼

2023 · €161k

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 · 2024 against 2023 · 48 lines

Balance sheet Code20232024

Assets

Total assets20/58€293k€310k▲

Fixed assets21/28€203k€174k▼

Tangible fixed assets22/27€173k€144k▼

Land and buildings22€93k€83k▼

Plant, machinery and equipment23€7k€6k▼

Furniture and vehicles24€73k€55k▼

Financial fixed assets28€30k€30k=

Current assets29/58€89k€136k▲

Amounts receivable within one year40/41€2k-

Trade receivables40€2k-

Cash at bank and in hand54/58€87k€134k▲

Deferred charges and accrued income490/1€798€2k▲

Equity and liabilities

Total equity and liabilities10/49€293k€310k▲

Equity10/15€77k€119k▲

Contributions10/11€5k€5k=

Capital10€5k€5k=

Issued capital100€5k€5k=

Reserves13-€114k

Distributable reserves133-€114k

Profit (loss) carried forward14€72k-

Amounts payable17/49€215k€191k▼

Amounts payable after more than one year17€150k€143k▼

Financial debts170/4€150k€143k▼

Amounts payable within one year42/48€65k€49k▼

Financial debts43€23k€23k▲

Credit institutions430/8€23k€23k▲

Trade debts44€3k€6k▲

Suppliers440/4€3k€6k▲

Taxes, remuneration and social security45€38k€19k▼

Taxes450/3€28k€17k▼

Remuneration and social security454/9€10k€2k▼

Other amounts payable47/48€2k-

Income statement Code20232024

Non-recurring operating income76A-€4k

Remuneration, social security and pensions62€161k€140k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€31k▲

Other operating charges640/8€899€2k▲

Gross operating margin9900€292k€237k▼

Operating profit (loss)9901€102k€64k▼

Financial charges65/66B€11k€11k▼

Recurring financial charges65€11k€11k▼

Profit (loss) for the period before taxes9903€91k€54k▼

Income taxes67/77€18k€12k▼

Profit (loss) for the period9904€72k€41k▼

Profit (loss) for the period to be appropriated9905€72k€41k▼

Appropriation of the result

Profit (loss) to be appropriated9906€72k€114k▲

Profit (loss) brought forward from the previous period14P-€72k

Transfer to equity691/2-€114k

To other reserves6921-€114k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 2Filings 2

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 60 days late

2024

31-12

Financial Liquidity doublescurrent ratio 2.79

Current ratio from 1.37 to 2.79; short-term debt falls from €65k to €49k.

31-12

Financial Equity above €100kEq €119k ▲53.2%

2 profitable years in a row build equity to €119k.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

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, Schoten · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Venstraat 552900 Schoten

Ground area

463 m²

Building footprint

184 m²

Volume, LiDAR

1,075 m³

Parcel 11442C0149/00A004, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Ceceo

Venstraat 55, 2900 SchotenHairdressing

since 20222.333.574.629

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11442C0149/00A004	Flanders	463 m²	1 · 184 m²	9.6 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.

Public money · subsidies and aid

Flemish government

2025 · 2 entries · 2,500 EUR awarded · 2,500 EUR paid

Year	Entries	awarded	paid
2025	2	2,500 EUR	2,500 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 1,500 EUR · 1,500 EUR paid · Fonds voor Innoveren en Ondernemen

Premie kwalificerend werkplekleren

1 entry · 1,000 EUR · 1,000 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Dual-learning approval

3 live approvals · 1 ended

Haarverzorging duaal (so)

Goedgekeurd · 2025 to 2030

Kapper (vwo)

Goedgekeurd · 2025 to 2030

Kapper-stylist duaal (so)

Goedgekeurd · 2025 to 2030

Show 1 ended approval

Kapper (so)

discontinued · 2025 to 2025

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HAIR ZONHOVEN

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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 1,683 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

Founded19-07-2022

Fiscal year end31-12

Activities, NACEBEL 2025

96210Hairdressing and barber services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.