Cédric VANDERBECQ
ActiveCédric VANDERBECQ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €14k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+36
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 5.24 against 9.52 in 2024), and 16.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.9%
Return on assets
6.2%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
6 d early
2023
2 d early
2022
14 d early
2021
30 d late
2020
5 d early
2019
28 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€195k▼ 4.5%
2024 · €204k
2018: €123k
2019: €123k
2020: €152k
2021: €169k
2022: €191k
2023: €204k
2024: €204k
2018 → 2025
Total assets
€232k▲ 4.0%
2024 · €223k
2018: €172k
2019: €186k
2020: €194k
2021: €205k
2022: €262k
2023: €236k
2024: €223k
2018 → 2025
Net result
€14k▲ 6,177%
2024 · €228
2018: €694
2019: €-630
2020: €30k
2021: €17k
2022: €22k
2023: €13k
2024: €228
2018 → 2025
Working capital
€158k▲ 6.2%
2024 · €148k
2018: €105k
2019: €108k
2020: €123k
2021: €148k
2022: €128k
2023: €137k
2024: €148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€169k-€191k▲ 12.8%€204k▲ 6.6%€204k▲ 0.1%€195k▼ 4.5%
Operating result€22k-€32k▲ 43.5%€16k▼ 49.1%€1k▼ 93.0%€19k▲ 1,599%
Net result€17k-€22k▲ 25.9%€13k▼ 41.9%€228▼ 98.2%€14k▲ 6,177%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,599% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€37k▼ 35.2%
Current assets
€195k▲ 17.5%
Equity and liabilities €232k
Equity
€195k▼ 4.5%
Debt
€37k▲ 95.4%
The debt ratio rises from 8.5% to 16.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€42k▲
2024 · €23k
Cash flow
€37k▲
2024 · €22k
Solvency
83.9%▼
2024 · 91.5%
Current ratio
5.24▼
2024 · 9.52
Quick ratio
5.13▼
2024 · 9.26
Debt / equity
0.19▲
2024 · 0.09
ROE
7.4%▲
2024 · 0.1%
ROA
6.2%▲
2024 · 0.1%
Interest coverage
205.39▲
2024 · 110.82
Debt
€37k▲
2024 · €19k
Debt ≤ 1 year
€37k▲
2024 · €17k
Income taxes
€7k▲
2024 · €2k
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€223k€232k▲
Fixed assets21/28€57k€37k▼
Tangible fixed assets22/27€57k€37k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€54k€32k▼
Other tangible fixed assets26-€2k
Current assets29/58€166k€195k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€17k€4k▼
Trade receivables40€14k€4k▼
Other amounts receivable41€2k-
Current investments50/53€9k€9k▲
Cash at bank and in hand54/58€127k€175k▲
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€223k€232k▲
Equity10/15€204k€195k▼
Contributions10/11€6k€6k=
Reserves13€159k€150k▼
Tax-exempt reserves132€53k€53k=
Distributable reserves133€106k€97k▼
Profit (loss) carried forward14€38k€38k=
Amounts payable17/49€19k€37k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€17k€37k▲
Current portion of amounts payable after more than one year42€7k€2k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Advances received on contracts in progress46€1k€1k=
Taxes, remuneration and social security45€252€8k▲
Taxes450/3€252€8k▲
Other amounts payable47/48€1k€24k▲
Income statement
Code20242025
Remuneration, social security and pensions62€463-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€26k€43k▲
Operating profit (loss)9901€1k€19k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€208€204▼
Recurring financial charges65€208€204▼
Profit (loss) for the period before taxes9903€2k€22k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€228€14k▲
Profit (loss) for the period to be appropriated9905€228€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€52k▲
Profit (loss) brought forward from the previous period14P€38k€38k▲
Transfer from equity791/2-€24k
Transfer to equity691/2-€14k
To other reserves6921-€14k
Profit to be distributed694/7-€24k
Return on contributions (dividend)694-€24k
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.67
Current ratio from 3.34 to 6.67; short-term debt falls from €55k to €24k.
31-12
Financial
Equity above €200kEq €204k ▲6.6%
4 profitable years in a row build equity to €204k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Equity above €150kEq €152k ▲24.2%
Equity rises from €123k to €152k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-630 ▼191%
Net result drops to €-630, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Silly · 1 establishment unit since 2010
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 d'Hoves(Graty) 687830 SillyGround area
1,057 m²
Building footprint
124 m²
Parcel 55014D0430/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Cédric Vanderbecq
since 20102.198.537.959
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55014D0430/00E000 | Wallonia | 1,057 m² | 1 · 124 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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TECHNIDEL
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Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2010
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0486/48.48.82