Céco is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €114k and a net result of €109k. Its solvency ranks better than 25% of 8024 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€114k
Net result
€109k
Total assets
€540k
Solvency
21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €540k
Fixed assets
€537k
Current assets
€2k
Equity and liabilities €540k
Equity
€114k
Debt
€425k
Debt finances 78.8% of the balance-sheet total.
Key figures and ratios
Solvency
21.2%
ROE
95.6%
ROA
20.2%
Debt
€425k
Debt ≤ 1 year
€257k
Debt > 1 year
€168k
Income taxes
€56k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€540k
Fixed assets21/28€537k
Tangible fixed assets22/27€537k
Land and buildings22€523k
Furniture and vehicles24€14k
Current assets29/58€2k
Cash at bank and in hand54/58€1k
Deferred charges and accrued income490/1€873
Equity and liabilities
Total equity and liabilities10/49€540k
Equity10/15€114k
Contributions10/11€5k
Reserves13€109k
Distributable reserves133€109k
Profit (loss) carried forward14€189
Amounts payable17/49€425k
Amounts payable after more than one year17€168k
Financial debts170/4€168k
Amounts payable within one year42/48€257k
Current portion of amounts payable after more than one year42€10k
Trade debts44€8k
Suppliers440/4€8k
Taxes, remuneration and social security45€59k
Taxes450/3€59k
Other amounts payable47/48€178k
Accrued charges and deferred income492/3€649
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k
Other operating charges640/8€26k
Gross operating margin9900€224k
Operating profit (loss)9901€175k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€10k
Recurring financial charges65€10k
Profit (loss) for the period before taxes9903€165k
Income taxes67/77€56k
Profit (loss) for the period9904€109k
Profit (loss) for the period to be appropriated9905€109k
Appropriation of the result
Profit (loss) to be appropriated9906€109k
Transfer to equity691/2€109k
To other reserves6921€109k
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Langemark-Poelkapelle · 1 establishment unit since 2024
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.
O.L.Vrouwstraat 78920 Langemark-PoelkapelleGround area
2,025 m²
Building footprint
112 m²
Volume, LiDAR
602 m³
Parcel 33014F0928/00C000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Céco
since 20242.360.779.466
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33014F0928/00C000 | Flanders | 2,025 m² | 1 · 112 m² | 7.8 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 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.