CED.HEM INVEST

Active

Private limited companyfounded 2023active for 3 yearsAvenue de Marlagne 245, 5000 Namur, BelgiumKBO/BCE: BE 0797.935.757

Summary

The computed 12-month bankruptcy probability of CED.HEM INVEST is 5.1% (elevated). The 2024 annual accounts show equity of €18,809 and a net result of €14,423. Its solvency ranks better than 59% of 18,739 sector peers (NACE 56, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

CED.HEM INVESTActiveChecked score 40/100

Risk analysis Report Compare

Activity

Limited-service restaurants, excluding mobile food services

NACE 56112

1 site

Size

€205,491turnover 2024

Equity: €18,809
Profit: €14,423

Financial health

40 Weak Checked score 2024

Bankruptcy probabilitywithin 12 months: 5.1%

Structure

Antoine de TerwagneManager

2025 accounts not filed, 87 days past the deadline3 of 4 deeds summarised

Why 40raises riskSize: turnover €205,491, total assets €47,278Figures for financial year 2024 (filed 05-09-2025)Founded in 2023Sector: Food and beverage service activities (NACE 56)Show the evidence

Checked score

Score 2024

40 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 70% of its sector peers (NACE 56, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 65+35

equity 39.8% of total assets

Liquidity 71+41

short-term debt 35.4% · cash 29.8%

Profitability 96+58

return on assets 30.5%

Bankruptcy probability, 12 months

5.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,763 companies, NACE 56, micro)

Last 24 months 11-2024: 3.6% 12-2024: 3.6%● unchanged vs 11-2024 01-2025: 3.9%▲ +0.3 percentage points vs 12-2024 02-2025: 3.9%● unchanged vs 01-2025 03-2025: 4.2%▲ +0.3 percentage points vs 02-2025 04-2025: 4.2%● unchanged vs 03-2025 05-2025: 4.3%▲ +0.1 percentage points vs 04-2025 06-2025: 4.2%▼ -0.1 percentage points vs 05-2025 07-2025: 4.4%▲ +0.2 percentage points vs 06-2025 08-2025: 5.1%▲ +0.7 percentage points vs 07-2025 09-2025: 5.6%▲ +0.5 percentage points vs 08-2025highest value 10-2025: 2.9%▼ -2.7 percentage points vs 09-2025lowest value 11-2025: 2.9%● unchanged vs 10-2025lowest value 12-2025: 2.9%● unchanged vs 11-2025lowest value 01-2026: 2.9%● unchanged vs 12-2025lowest value 02-2026: 2.9%● unchanged vs 01-2026lowest value 03-2026: 3.2%▲ +0.3 percentage points vs 02-2026 04-2026: 3.2%● unchanged vs 03-2026 05-2026: 3.3%▲ +0.1 percentage points vs 04-2026 06-2026: 3.2%▼ -0.1 percentage points vs 05-2026 07-2026: 3.4%▲ +0.2 percentage points vs 06-2026 08-2026: 4.2%▲ +0.8 percentage points vs 07-2026 09-2026: 4.6%▲ +0.4 percentage points vs 08-2026 10-2026: 5.1%▲ +0.5 percentage points vs 09-2026

Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity tight (current ratio 1.25, compared with 0.59 in 2023, below the usual 1.5; short-term debt: 35.4% and cash: 29.8% of total assets), and 60.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro): better than 59% on solvency, 75% on liquidity, 84% on profitability and 62% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

raises risk

Size: turnover €205,491, total assets €47,278

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2024 (filed 05-09-2025)

NBB · annual accounts

Founded in 2023

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Food and beverage service activities (NACE 56)

KBO

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 87 days later.

NBB · 2 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline26-10-2026 today

2024 accounts filed 29 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 2 filings

Deviation from the deadline

2025

not filed

2024

29 days late

2023

12 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 21 days after the deadline; the sector median (NACE 56) for financial year 2024 is 6 days after the deadline, and 53% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

07-07-2026 Resignation: Antoine de TERWANGNE (manager)Share transfer · Shareholding ·…
07-11-2025 Appointment: Antoine de Terwagne (manager)Registered office clause · Share…
29-08-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Caution: 2025 accounts not fileddeadline was 31-07-2026 87 days past the deadline View
Caution: Board changedlatest change 07-07-2026 · 1 in office 1 joined · 1 left View
Turnover 20242 financial years filed €205,491 View

By topic

Financials

Financial year: 2024
Turnover: €205,491
Profit: €14,423
Solvency: 39.8%

Turnover▼ 8.5%

Net result

20232024

Go to Financials

Board & ownership

Board: 1 member

Antoine de TerwagneManager

Go to Board & ownership

Timeline

Events: 6
Since: 2023

31-12-2024Liquidity more than doubled
12-08-2024Annual accounts filed
09-11-2023Appointment: Vincent HEMPTINNE (directeur technique en restauration)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded: 02-02-2023
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about CED.HEM INVEST

What is the company number of CED.HEM INVEST?: 0797.935.757. In Belgium the VAT number is the company number with BE in front: BE 0797.935.757.
Where is CED.HEM INVEST based?: The registered office is at Avenue de Marlagne 245, 5000 Namur.Company details
What does CED.HEM INVEST do?: According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of CED.HEM INVEST?: Private limited company (BV).
When was CED.HEM INVEST founded?: On 02-02-2023.
Is CED.HEM INVEST still active?: Yes, CED.HEM INVEST is an active enterprise in the KBO register.
What is the turnover of CED.HEM INVEST?: €205,491 in financial year 2024, according to the filed annual accounts.Financials
Is CED.HEM INVEST profitable?: In financial year 2024, CED.HEM INVEST made a profit of €14,423.
Where can I find the annual accounts of CED.HEM INVEST?: CED.HEM INVEST filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2024.