CECIAM
ActiveCECIAM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €340k and a net result of €71k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +88 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+30
Growth55▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 0.67 in 2024), and 11.8% 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 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 2025Solvency, return and age of the figures
Solvency
88.2%
Return on assets
18.3%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
3 d early
2023
5 d early
2022
4 d early
2021
6 d early
2020
10 d late
2019
5 d late
← 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, abbreviated schema
Turnover
€154k▲ 3,166%
2024 · €5k
2021: €209k
2022: €249k
2023: €64k
2024: €5k
2021 → 2025
EBIT margin
47.9%▲ 1106.4pp
2024 · -1058.5%
2021: -14.1%
2022: 50.9%
2023: -53.3%
2024: -1058.5%
2021 → 2025
Net result
€71k
2024 · €-50k
2018: €52k
2019: €123k
2020: €101k
2021: €-31k
2022: €96k
2023: €-36k
2024: €-50k
2018 → 2025
Working capital
€51k
2024 · €-10k
2018: €-20k
2019: €54k
2020: €176k
2021: €37k
2022: €130k
2023: €31k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€209k-€249k▲ 18.9%€64k▼ 74.1%€5k▼ 92.7%€154k▲ 3,166%
Equity€285k-€355k▲ 24.8%€320k▼ 10.1%€270k▼ 15.6%€340k▲ 26.2%
Operating result€-30k-€127k€-34k€-50k▼ 45.2%€74k
Net result€-31k-€96k€-36k€-50k▼ 39.8%€71k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €74k after a loss of €50k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€290k▲ 2.7%
Current assets
€96k▲ 390%
Equity and liabilities €386k
Equity
€340k▲ 26.2%
Debt
€45k▲ 42.6%
The debt ratio rises from 10.6% to 11.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€79k▲
2024 · €-43k
Cash flow
€76k▲
2024 · €-43k
Solvency
88.2%▼
2024 · 89.4%
Current ratio
2.12▲
2024 · 0.67
Quick ratio
1.99▲
2024 · 0.45
Debt / equity
0.13▲
2024 · 0.12
ROE
20.8%▲
2024 · -18.5%
ROA
18.3%▲
2024 · -16.6%
Interest coverage
41.21▲
2024 · -394.91
Debt
€45k▲
2024 · €32k
Debt ≤ 1 year
€45k▲
2024 · €29k
Income taxes
€1k
Staff costs
€1k
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€301k€386k▲
Fixed assets21/28€282k€290k▲
Tangible fixed assets22/27€282k€290k▲
Plant, machinery and equipment23€13k€11k▼
Furniture and vehicles24€266k€277k▲
Other tangible fixed assets26€3k€2k▼
Current assets29/58€20k€96k▲
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€2k€12k▲
Trade receivables40€1k€12k▲
Other amounts receivable41€364-
Cash at bank and in hand54/58€8k€74k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€301k€386k▲
Equity10/15€270k€340k▲
Contributions10/11€12k€12k=
Reserves13€265k€265k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€263k€263k=
Profit (loss) carried forward14€-8k€63k▲
Amounts payable17/49€32k€45k▲
Amounts payable within one year42/48€29k€45k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45-€13k
Taxes450/3-€13k
Other amounts payable47/48€27k€28k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Turnover70€5k€154k▲
Non-recurring operating income76A-€6k
Goods, raw materials, services and sundry goods60/61€47k€64k▲
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€983
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€142€14k▲
Gross operating margin9900€-42k€96k▲
Operating profit (loss)9901€-50k€74k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€109€2k▲
Recurring financial charges65€109€2k▲
Profit (loss) for the period before taxes9903€-50k€72k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-50k€71k▲
Profit (loss) for the period to be appropriated9905€-50k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€63k▲
Profit (loss) brought forward from the previous period14P€42k€-8k▼
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 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €71k
Net result €71k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.12
Current ratio from 0.67 to 2.12.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 3.49
Current ratio from 1.63 to 3.49; short-term debt falls from €86k to €71k.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Highest result since 2018net €123k ▲134%
Operating result €186k, net result €123k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.75 to 1.63.
31-12
Financial
Equity above €200kEq €218k ▲129%
2 profitable years in a row build equity to €218k.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
21-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Vaux-sur-Sûre · 1 establishment unit since 2012
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.
Villeroux 156640 Vaux-sur-SûreGround area
3,134 m²
Building footprint
124 m²
Volume, LiDAR
927 m³
Parcel 82026E0057/00A002, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CECIam
since 20122.213.777.550
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82026E0057/00A002 | Wallonia | 3,134 m² | 1 · 123 m² | 9.5 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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:tony.ceci@scarlet.be
Phone:0477/34.44.60
Phone:061/21.75.27