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CEDACTA

Active
Private limited companyfounded 20206 yrs activeDrève de la Meute 18, 1410 Waterloo, BelgiumKBO/BCE: BE 0753.593.988
Summary

The computed 12-month bankruptcy probability of CEDACTA is 2.2% (moderate). The 2025 annual accounts show equity of €274,876 and a net result of €3.7m. Equity is shrinking by ~35.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+75
Solvency48▲+28
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity tight (current ratio 1.28 against 80.62 in 2024; short-term debt: 76.9% and cash: 4.3% of total assets), and 77.5% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · 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
highest failure risk from 2 to 8 years 6 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
22.5%
Return on assets
299.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
14 d early
2024
22 d late
2023
29 d late
2022
60 d late
2021
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 5 accounts on average 25 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

CEDACTA was incorporated on 2 September 2020 as a Private limited company.1 Total assets rose from EUR 15,886 in 2021 to EUR 1.2 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3.7m
2024 · -€38,398
Working capital
€263,538▼ 62.1%
2024 · €695,071
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€2,663--€5,672▼ 113%-€5,452▲ 3.9%-€38,225▼ 601%-€133,389▼ 249%
Net result-€2,714--€5,800▼ 114%-€5,591▲ 3.6%-€38,398▼ 587%€3.7m
Equity€15,886-€10,086▼ 36.5%€4,495▼ 55.4%-€33,903€274,876
Total assets€15,886-€10,086▼ 36.5%€415,771▲ 4,022%€749,751▲ 80.3%€1.2m▲ 62.9%
Debt€411,276€783,653▲ 90.5%€946,349▲ 20.8%
Working capital€375,351€695,071▲ 85.2%€263,538▼ 62.1%
Result per fiscal year
Operating resultNet result
-€1.0m€0€1.0m€2.0m€3.0m€4.0mOperating result 2021: -€2,663-€2,663Net result 2021: -€2,714-€2,714Operating result 2022: -€5,672-€5,672Net result 2022: -€5,800-€5,800Operating result 2023: -€5,452-€5,452Net result 2023: -€5,591-€5,591Operating result 2024: -€38,225-€38,225Net result 2024: -€38,398-€38,398Operating result 2025: -€133,389-€133,389Net result 2025: €3.7m€3.7m20212022202320242025-€1m€0€1m€2m€3m€4mOperating result 2023: -€5,452-€5,450Net result 2023: -€5,591-€5,590Operating result 2024: -€38,225-€38,200Net result 2024: -€38,398-€38,400Operating result 2025: -€133,389-€133,000Net result 2025: €3.7m€3.7m202320242025
The operating result stays negative: a loss of €133,389 in 2025 against €38,225 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets €18,600 ▼ 59.5%
Current assets €1.2m ▲ 70.9%
Equity and liabilities €1.2m
Equity €274,876
Debt €946,349
Debt finances 77.5% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
Current ratio
1.28▼
2024 · 80.62
Debt to equity
3.44▲
2024 · -23.11
ROA
299.6%▲
2024 · -5.1%
Debt ≤ 1 year
€939,087▲
2024 · €8,730
Debt > 1 year
€7,262▼
2024 · €774,924
A ratio outside any meaningful range has been withheld (balance sheet total €1.2m, equity €274,876).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,677 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.3% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,677 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€749,751€1.2m▲
Fixed assets21/28€45,950€18,600▼
Financial fixed assets28€45,950€18,600▼
Current assets29/58€703,801€1.2m▲
Amounts receivable within one year40/41€683,306€157,754▼
Other amounts receivable41€683,306€157,754▼
Cash at bank and in hand54/58€20,495€51,987▲
Deferred charges and accrued income490/1-€992,884
Equity and liabilities
Total equity and liabilities10/49€749,751€1.2m▲
Equity10/15-€33,903€274,876▲
Contributions10/11€18,600€18,600=
Profit (loss) carried forward14-€52,503€256,276▲
Amounts payable17/49€783,653€946,349▲
Amounts payable after more than one year17€774,924€7,262▼
Other amounts payable178/9€774,924€7,262▼
Amounts payable within one year42/48€8,730€939,087▲
Trade debts44€8,730€4,087▼
Suppliers440/4€8,730€4,087▼
Other amounts payable47/48-€935,000
Income statement Code20242025
Other operating charges640/8€580€400▼
Gross operating margin9900-€37,644-€132,990▼
Operating profit (loss)9901-€38,225-€133,389▼
Financial income75/76B€1€3.8m▲
Recurring financial income75€1€3.8m▲
Financial charges65/66B€174€210▲
Recurring financial charges65€174€210▲
Profit (loss) for the period before taxes9903-€38,398€3.7m▲
Profit (loss) for the period9904-€38,398€3.7m▲
Profit (loss) for the period to be appropriated9905-€38,398€3.7m▲
Appropriation of the result
Profit (loss) to be appropriated9906-€52,503€3.6m▲
Profit (loss) brought forward from the previous period14P-€14,105-€52,503▼
Profit to be distributed694/7-€3.4m
Return on contributions (dividend)694-€3.4m

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8--€1,873€580€400▼ 31.1%
Gross operating margin9900-€2,663-€5,672-€3,579-€37,644-€132,990▼ 253%
Operating profit (loss)9901-€2,663-€5,672-€5,452-€38,225-€133,389▼ 249%
Financial income75/76B---€1€3.8m▲ 758,475,504%
Recurring financial income75---€1€3.8m▲ 758,475,504%
Financial charges65/66B€51€129€139€174€210▲ 20.7%
Recurring financial charges65€51€129€139€174€210▲ 20.7%
Profit (loss) for the period before taxes9903-€2,714-€5,800-€5,591-€38,398€3.7m▲ 9,629%
Profit (loss) for the period9904-€2,714-€5,800-€5,591-€38,398€3.7m▲ 9,629%
Profit (loss) for the period to be appropriated9905-€2,714-€5,800-€5,591-€38,398€3.7m▲ 9,629%
Line20212022202320242025Change
Assets
Total assets20/58€15,886€10,086€415,771€749,751€1.2m▲ 62.9%
Fixed assets21/28--€37,200€45,950€18,600▼ 59.5%
Financial fixed assets28--€37,200€45,950€18,600▼ 59.5%
Current assets29/58€15,886€10,086€378,571€703,801€1.2m▲ 70.9%
Amounts receivable within one year40/41--€370,856€683,306€157,754▼ 76.9%
Other amounts receivable41--€370,856€683,306€157,754▼ 76.9%
Cash at bank and in hand54/58€15,886€10,086€7,715€20,495€51,987▲ 154%
Deferred charges and accrued income490/1----€992,884-
Equity and liabilities
Total equity and liabilities10/49€15,886€10,086€415,771€749,751€1.2m▲ 62.9%
Equity10/15€15,886€10,086€4,495-€33,903€274,876▲ 911%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Profit (loss) carried forward14-€2,714-€8,514-€14,105-€52,503€256,276▲ 588%
Amounts payable17/49--€411,276€783,653€946,349▲ 20.8%
Amounts payable after more than one year17--€408,056€774,924€7,262▼ 99.1%
Other amounts payable178/9--€408,056€774,924€7,262▼ 99.1%
Amounts payable within one year42/48--€3,220€8,730€939,087▲ 10,658%
Trade debts44--€3,220€8,730€4,087▼ 53.2%
Suppliers440/4--€3,220€8,730€4,087▼ 53.2%
Other amounts payable47/48----€935,000-
Line20212022202320242025Change
Profit (loss) for the period9904-€2,714-€5,800-€5,591-€38,398€3.7m▲ 9,629%
Operating cash flow (approximation)-€2,714-€5,800-€5,591-€38,398€3.7m▲ 9,629%
Investment in fixed assets (approximation)----€8,750€27,350▲ 413%
Change in cash--€5,800-€2,371€12,779€31,492▲ 146%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
17-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Back to profitnet €3.7m
Net result €3.7m after 4 loss-making years.
31-12
Financial Equity above €200,000Eq €274,876
Equity rises from -€33,903 to €274,876.
22-08
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial Weakest financial yearnet -€38,398
Net result drops to -€38,398, the lowest in the series; recovery starts the following year.
29-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
29-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
29-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Waterloo · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
9,890 m²
Building footprint
507 m²
Volume, LiDAR
3,762 m³
Parcel 25763I0326/00C000, Wallonia · tallest building 21.1 m, ±2 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
CEDACTA
Drève de la Meute 18, 1410 WaterlooHoldings
since 20202.308.964.442
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25763I0326/00C000 Wallonia 9,890 m² 1 · 507 m² 21.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

According to the 2025 annual accounts of CEDACTA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPrivate limited company
Founded02-09-2020
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0753593988
Also 9925:BE0753593988
Registered 15-12-2025

Register as of 27 September 2026 · Peppol Directory

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