CEDRIC DE ROECK
ActiveThe computed 12-month bankruptcy probability of CEDRIC DE ROECK is 2.8% (moderate). The 2024 annual accounts show equity of €264k and a net result of €128k. Equity is growing by ~31.7% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability97▼-2
Solvency72▼-24
Growth78=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 2.95 in 2023; short-term debt: 52% and cash: 88.5% of total assets), but 53.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
34 d early
2022
17 d early
2021
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€264k▼ 13.6%
2023 · €305k
2021: €107k
2022: €202k
2023: €305k
2021 → 2024
Total assets
€566k▲ 31.1%
2023 · €432k
2021: €228k
2022: €329k
2023: €432k
2021 → 2024
Net result
€128k▲ 24.1%
2023 · €103k
2021: €97k
2022: €95k
2023: €103k
2021 → 2024
Working capital
€211k▼ 10.4%
2023 · €235k
2021: €-870
2022: €115k
2023: €235k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€107k-€202k▲ 89.1%€305k▲ 51.2%€264k▼ 13.6%
Operating result€130k-€133k▲ 2.6%€152k▲ 14.3%€182k▲ 19.3%
Net result€97k-€95k▼ 1.7%€103k▲ 8.7%€128k▲ 24.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 19% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €566k
Fixed assets
€61k▼ 19.6%
Current assets
€505k▲ 41.8%
Equity and liabilities €566k
Equity
€264k▼ 13.6%
Debt
€302k▲ 139%
The debt ratio rises from 29.3% to 53.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€197k▲
2023 · €168k
Cash flow
€143k▲
2023 · €119k
Solvency
46.6%▼
2023 · 70.7%
Current ratio
1.72▼
2023 · 2.95
Quick ratio
1.72▼
2023 · 2.95
Debt / equity
1.15▲
2023 · 0.41
ROE
48.7%▲
2023 · 33.9%
ROA
22.7%▼
2023 · 23.9%
Interest coverage
22.94▼
2023 · 25.51
Debt
€302k▲
2023 · €126k
Debt ≤ 1 year
€295k▲
2023 · €121k
Income taxes
€45k▲
2023 · €42k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€432k€566k▲
Formation expenses20€0-
Fixed assets21/28€75k€61k▼
Intangible fixed assets21€70k€60k▼
Tangible fixed assets22/27€5k€168▼
Furniture and vehicles24€5k€168▼
Current assets29/58€356k€505k▲
Amounts receivable within one year40/41€3k€337▼
Other amounts receivable41€3k€337▼
Cash at bank and in hand54/58€350k€501k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€432k€566k▲
Equity10/15€305k€264k▼
Contributions10/11€10k€10k=
Reserves13€200k€250k▲
Distributable reserves133€200k€250k▲
Profit (loss) carried forward14€95k€4k▼
Amounts payable17/49€126k€302k▲
Amounts payable within one year42/48€121k€295k▲
Trade debts44€80€47▼
Suppliers440/4€80€47▼
Taxes, remuneration and social security45€25k€27k▲
Taxes450/3€25k€27k▲
Other amounts payable47/48€96k€268k▲
Accrued charges and deferred income492/3€5k€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€384€387▲
Gross operating margin9900€168k€197k▲
Operating profit (loss)9901€152k€182k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€146k€173k▲
Income taxes67/77€42k€45k▲
Profit (loss) for the period9904€103k€128k▲
Profit (loss) for the period to be appropriated9905€103k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€195k€224k▲
Profit (loss) brought forward from the previous period14P€92k€95k▲
Transfer to equity691/2€100k€50k▼
To other reserves6921€100k€50k▼
Profit to be distributed694/7-€170k
Return on contributions (dividend)694-€170k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €128k ▲24.1%
Operating result €182k, net result €128k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €95k ▼1.7%
Net result drops to €95k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €202k ▲89.1%
2 profitable years in a row build equity to €202k.
04-07
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, Charleroi · 1 establishment unit since 2021
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.
Rue de la Ferme Bal 106001 CharleroiGround area
2,431 m²
Building footprint
794 m²
Volume, LiDAR
877 m³
2 parcels, Wallonia · tallest building 4.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue de Villers 413, 6010 Charleroi
since 20212.312.183.753
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52392C0084/00K019 | Wallonia | 1,642 m² | 1 · 491 m² | - |
| 52014A0316/00D006indicative | Wallonia | 789 m² | 1 · 303 m² | 4.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.