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Generated 18-08-2026
Active BE 0797.935.757Private limited company

CED.HEM INVEST

Avenue de Marlagne 245 ·5000 Namur, Belgium· 3 yrs active
Sector: Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden (56112)
Conclusion Checked

The computed 12-month bankruptcy probability of CED.HEM INVEST is 5.1% (elevated). The 2024 annual accounts show equity of €19k and a net result of €14k. Its solvency ranks better than 69% of 5650 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €19k
Net result €14k
Better than sector 69%
Active 3 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health84Profitability82Solvency67Growth-Stability79
78 / 100

Strong profile, led by health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 84
Profitability 82
Solvency 67
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
5.1% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
84 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 39.8% 19.3%
better than 69% of 5650 sector peers
Net result €14k €4k
better than 67% of 5638 sector peers
Equity €19k €14k
better than 56% of 5662 sector peers
Gross operating margin €43k €52k
better than 45% of 5624 sector peers
Staff costs €923 €49k
higher than 6% of 4088 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue€205k
EBITDA€35k
Net profit€14k
Cash flow€27k
Staff costs€923
Income taxes€7k
Dividends-
Total assets€47k
Equity€19k
Debt€28k
of which ≤ 1y€17k
of which > 1y€12k
Working capital€4k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.25
Quick ratio0.93
Working capital ratio9.0%
Solvency39.8%
Debt / equity1.51
Long-term debt ratio0.62
Interest coverage32.21
Gross margin20.0%
Net margin7.0%
ROA30.5%
ROE76.7%
EBITDA margin17.1%
Days sales outstanding3d
Days payable outstanding9d
Inventory turnover30.32
Days inventory (DSI)12d
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€47k
Fixed assets 21/28€26k
Tangible fixed assets 22/27€26k
Current assets 29/58€21k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€47k
Equity 10/15€19k
Contributions / capital 10/11€3k
Reserves 13€5k
Accumulated profits (losses) 14€11k
Amounts payable 17/49€28k
Amounts payable after one year 17€12k
Amounts payable within one year 42/48€17k
Trade debts payable within one year 44€4k
Income statement
Turnover 70€205k
Gross operating margin 9900€43k
Operating result 9901€22k
Financial charges 65€1k
Result before taxes 9903€21k
Income taxes 67/77€7k
Net result for the period 9904€14k
Result to be appropriated 9905€14k
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • Antoine de Terwagne
    Manager
    State Gazette act 25142684 (07-11-2025)
    Current
    07-11-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form Private limited company(610)
Incorporation02-02-2023
StatusActive
Postal code5000
Establishment units 1 location
CED.HEM INVEST
Avenue de Marlagne 245, 5000 NamurCatering van evenementen
since 20232.341.298.601
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92302G0435/00G014 Wallonia 1,205 m² 1 · 178 m² 15.9 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
07-11-2025
State Gazette act Director changes
v3.2
29-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
12-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
09-11-2023
State Gazette act Capital & shares
v3.2
06-02-2023
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts
Capital history · 1
09-11-2023
v3.2
All acts · 3 updated 9 months ago
2025
07-11-2025 Antoine de Terwagne appointed as manager Director changes
  • Antoine de Terwagne, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Antoine de Terwagne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-11-07",
      "evidence_quote": "Monsieur Antoine de Terwagne est nomm\u00E9 g\u00E9rant"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0797.935.757",
    "name_full": "CED.HEM INVEST",
    "legal_form": "SRL"
  }
}
2023
09-11-2023 Transaction in capital or shares Capital & shares
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "share_transfer",
      "amount": 25,
      "currency": "BEF",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "amount_type": "onbekend",
      "effective_date": "2023-09-14",
      "evidence_quote": "Monsieur C\u00E9dric Hemptinne c\u00E8de 25 parts \u00E0 Monsieur Vincent HEMPTINNE",
      "contribution_type": null
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0797.935.757",
    "name_full": "CED.HEM INVEST",
    "legal_form": "SRL"
  }
}
06-02-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "5000 Namur, Avenue de Marlagne 245",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1996-02-27",
        "name": "HEMPTINNE C\u00E9dric St\u00E9phane Isabelle",
        "niss": null,
        "address": "5000 Namur, Avenue de Marlagne 245"
      },
      "share_class": "A",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3000,
      "holder_person_name": "HEMPTINNE C\u00E9dric St\u00E9phane Isabelle",
      "is_subscriber_only": true,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 3000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3000,
  "subject_company": {
    "kbo": "0797.935.757",
    "name_full": "CED.HEM INVEST",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-02-02",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR CED.HEM INVEST
Registered office
Avenue de Marlagne 245
5000 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative