Cédie
ActiveCédie 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 €32k and a net result of €10k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 2410 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
10 d early
2023
5 d early
2022
4 d early
2021
6 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▲ 45.2%
2024 · €22k
2021: €15k
2022: €20k
2023: €25k
2024: €22k
2021 → 2025
Net result
€10k
2024 · €-3k
2021: €10k
2022: €5k
2023: €5k
2024: €-3k
2021 → 2025
Total assets
€83k▲ 124%
2024 · €37k
2021: €31k
2022: €39k
2023: €34k
2024: €37k
2021 → 2025
Solvency
38.7%▼ 21.1pp
2024 · 59.8%
2021: 46.9%
2022: 51.4%
2023: 73.9%
2024: 59.8%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€20k▲ 37.6%€25k▲ 26.7%€22k▼ 13.5%€32k▲ 45.2%
Operating result€13k-€8k▼ 36.8%€9k▲ 3.0%€-3k€14k
Net result€10k-€5k▼ 42.7%€5k▼ 2.4%€-3k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €3k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€52k▲ 5,096%
Current assets
€31k▼ 13.2%
Equity and liabilities €83k
Equity
€32k▲ 45.2%
Debt
€51k▲ 242%
The debt ratio rises from 40.2% to 61.3%: debt grows faster than equity.
Key figures and ratios
Solvency
38.7%▼
2024 · 59.8%
ROE
31.1%▲
2024 · -15.6%
ROA
12.1%▲
2024 · -9.3%
Debt
€51k▲
2024 · €15k
Debt ≤ 1 year
€51k▲
2024 · €15k
Income taxes
€4k▲
2024 · €230
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€37k€83k▲
Fixed assets21/28€992€52k▲
Tangible fixed assets22/27€992€491▼
Furniture and vehicles24€992€491▼
Financial fixed assets28-€51k
Current assets29/58€36k€31k▼
Amounts receivable within one year40/41€24k€17k▼
Trade receivables40€8k€6k▼
Other amounts receivable41€16k€11k▼
Cash at bank and in hand54/58€10k€11k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€37k€83k▲
Equity10/15€22k€32k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€17k€27k▲
Amounts payable17/49€15k€51k▲
Amounts payable within one year42/48€15k€51k▲
Trade debts44€6k€721▼
Suppliers440/4€6k€721▼
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€9k▲
Other amounts payable47/48€5k€41k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€501€501=
Other operating charges640/8€919€868▼
Gross operating margin9900€-1k€16k▲
Operating profit (loss)9901€-3k€14k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€566€145▼
Recurring financial charges65€566€145▼
Profit (loss) for the period before taxes9903€-3k€14k▲
Income taxes67/77€230€4k▲
Profit (loss) for the period9904€-3k€10k▲
Profit (loss) for the period to be appropriated9905€-3k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€27k▲
Profit (loss) brought forward from the previous period14P€20k€17k▼
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼164%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.56
Current ratio from 1.68 to 3.56; short-term debt falls from €19k to €9k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Estinnes · 1 establishment unit since 2020
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.
Petit Rigneux(ROUV) 47120 EstinnesGround area
1,825 m²
Building footprint
163 m²
Volume, LiDAR
1,189 m³
2 parcels, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cédie
since 20202.304.036.149
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53072B0469/00N000 | Wallonia | 1,559 m² | 1 · 163 m² | 9.0 m · 3 fl. |
| 56066C0055/00K000 | Wallonia | 266 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
EVN EXPERTISES
BE 0535.833.443
La Louvière · Eq €32k
Speeltuinveilig
BE 0721.485.802
Merelbeke-Melle · Eq €32k
VGD Solutions
BE 0694.992.627
Zwevegem · Eq €32k
DOMEXA
BE 0534.901.154
Jodoigne · Eq €32k
TriVecoS
BE 0818.290.020
Temse · Eq €32k
Of 851 companies in sector 66210 we hold annual accounts for 512. 362 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2020
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.