Skip to content

CEGIMO

Active Private limited companyfounded 2020active for 6 yearsRue des Enhauts 50, 7070 Le RoeulxKBO/BCE: BE 0750.478.409 #9 company by equity in Le Roeulx, Real estate sector

Overview

Lifetime

5 annual accounts with figures on one time axis
peak €62,362 (2025)
€62,362▲ 70.1%
lowest -€1,360 (2021)
€33,102▲ 44.4%
peak €164,303 (2025)
€164,303▲ 25.2%
€141,451▲ 10.8%
Board3 names since 2020
1 directorCERRO Gaetano
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €36,656 to €62,362Result from €22,932 to €33,102Equity from €131,201 to €164,303Cash from €14,944 to €35,085

Key points

from the 2025 annual accounts

Equity

€164,303 ▲ 25.2%

CEGIMO has made a profit without a break since 2022.

Turnover

≈ €160,000 estimated

The micro format states no turnover.

Filings

5 annual accounts 5 late
AprilJune31 JulyOctober20222024

The 2022 accounts came latest: 30 days after the end of the period.

Checked score

94
Excellent
Financially stronger than 74% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%▲ +0.1 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.4%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 0.2%▼ -0.5 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026

Financial strength
Strong

79+3equity 53.7% of total assets
61+5short-term debt 16.0% · cash 11.5%
82+2return on assets 10.8%

Score breakdown

raises risk
Founded in 2020
lowers risk
Sector: Real estate activities (NACE 68)
Liquidity: current ratio 2.04, cash €35,085
Figures for financial year 2025 (filed on 26-08-2026)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 67% of them on solvency, 72% on liquidity, 79% on profitability and 78% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 26,972 companies had the same profile as CEGIMO has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of CEGIMO itself is lower: 0.2% within 12 months. It rests on far more data about CEGIMO than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 26,972 companies, not a prediction for CEGIMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €15,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.04 (1.73 in 2024), above the usual 1.5. Short-term debt is 16% and cash 11.5% of total assets. 46.3% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Sector: Real estate activities (NACE 68)
KBO
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 2.04, cash €35,085
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 26-08-2026)
NBB · annual accounts
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
26 days late
2024
26 days late
2023
26 days late
2022
30 days late
2021
29 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 27 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

CG
Director
  • CERRO Gaetano 25 sharesdeed of 14-07-2020
  • CUNEO Glenda 25 sharesdeed of 14-07-2020

Shares in 1 company, ALENO SMART BUILDING

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0750478409
Purpose change “L’intermédiation en fonds de commerce,c’est-à-dire l’organisation de l’achat ou de la vente de petits et…” (deed in French) · General meeting of 11-09-2023 · Gazette deed
Appointment: CEGIMO (director) Permanent representative: CERRO Gaetano · Board meeting of 01-02-2021 · Gazette deed
Incorporation Founding capital of €5,000, 50 shares · Founders: CERRO Gaetano (comparant) and CUNEO Glenda (comparante) · Appointment: CERRO Gaetano (director) · published on 14-07-2020 · Gazette deed
All 14 events

Comparable companies

same main activity, similar in size and age
Company
CEGIMO Le Roeulx €305,754 €62,362 53.7% -
ND Construction Binche €313,108 €51,406 10.3% -
aSD² Kiné Mons €280,182 €40,351 24.4% -
Bouw en renovatiewerken David Ponette Middelkerke €286,748 €62,005 26.1% -
Estdemax Ghent €326,405 €62,641 30.3% -
Landmeter Van den Vonder Hulshout €346,453 €58,396 41.7% -
Hogires Beerse €304,220 €82,022 75.8% -

These companies have the same main activity as CEGIMO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €280,000 and €346,000, founded in 2020.

Official details

Source: KBO
Status
Active since 10-07-2020Normal situation
Activity
Development of residential building projectsNACE 68121
Establishment unit
2.313.936.0877070 Le Roeulx, since 10-07-2020
Financial year end
31 December
Peppol
Reachable since 04-12-2025
Company details

Annual accounts 2025

€62,362▲ 70.1%
€33,102▲ 44.4%
€164,303▲ 25.2%
€305,754▲ 18.1%
Filing
Filed on 26-08-2026
Financials

Insights on CEGIMO

CEGIMO files the micro format. That format states no turnover. The gross margin rose from €10,809 in 2021 to €62,362 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 26-08-2026, 26 days late
€62,362
▲ 70.1%
€47,973
▲ 48.8%
€33,102
▲ 44.4%
€50,653
▲ 133%
53.7%
▲ 3.1 percentage points
2.04
▲ 0.31

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €160,000. Estimated: probably between €84,000 and €380,000.

Balance sheet

balance sheet total €305,754 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

53.7%

Higher than 69% of 17,185 companies in 2025.

2.04

Higher than 67% of 16,482 companies in 2025.

10.8%

Higher than 76% of 16,861 companies in 2025.

CEGIMO Middle half of the sector 80% of the sector Micro accounts in real estate (NACE 68)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 305,754258,865251,040290,400322,872
21/28 206,275207,278103,628107,478178,890
22/27 181,275182,27891,12894,978166,390
22 173,07886,07889,32892,578101,390
23 8,1971,2001,8002,400-
25 -95,000---
27 ----65,000
28 25,00025,00012,50012,50012,500
29/58 99,47851,587147,412182,922143,983
3 40,00029,31029,31086,115117,467
30/36 40,00029,31029,31086,115117,467
40/41 24,3947,3335,9587,2877,497
41 24,3947,3335,9587,2877,497
54/58 35,08514,944112,14489,52019,019
Balance sheet: equity and liabilities
10/49 305,754258,865251,040290,400322,872
10/15 164,303131,201108,26987,04678,640
10/11 80,00080,00080,00080,00080,000
14 84,30351,20128,2697,046-1,360
17/49 141,451127,664142,771203,354244,232
17 92,62697,807102,866157,816177,500
170/4 92,62697,807102,866157,816177,500
42/48 48,82529,85839,90545,53848,732
42 5,8095,6875,5694,815-
44 10,0109,7184,2233,47415,000
440/4 10,0109,7184,2233,47415,000
45 12,4026,7265,3261,762-
450/3 12,4026,7265,3261,762-
47/48 20,6047,72724,78735,48833,732
492/3 ----18,000
Income statement
76A ---9,438-
9900 62,36236,65637,17917,58010,809
630 9,2143,8503,8503,8504,438
640/8 5,1755603,7365157,463
66A --176--
9901 47,97332,24629,41713,215-1,092
75/76B 22168943--
75 22168943--
65/66B 2,9623,6112,9313,047267
65 2,9623,6112,9313,047267
9903 45,23229,32426,52910,168-1,360
67/77 12,1306,3935,3061,762-
9904 33,10222,93221,2238,406-1,360
9905 33,10222,93221,2238,406-1,360
Appropriation of the result
9906 84,30351,20128,2697,046-1,360
14P 51,20128,2697,046-1,360-
Document PDFPDFPDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00427542.

Financial year Type Filed Reference Document
31-12-2025 micro format 26-08-2026 2026-00427542 PDF
31-12-2024 micro format 26-08-2025 2025-00404524 PDF
31-12-2023 micro format 26-08-2024 2024-00368028 PDF
31-12-2022 micro format 30-08-2023 2023-00379003 PDF
31-12-2021 micro format 29-08-2022 2022-20332535 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
57,18736,09633,26717,0653,346
42,31626,78225,07312,2563,079
8,211107,50003,000183,328
20,141-97,20022,62470,502-
50,65321,729107,507137,38495,251
53.7%50.7%43.1%30.0%24.4%
2.041.733.694.022.95
1.220.752.962.130.54
0.860.971.322.343.11
20.1%17.5%19.6%9.7%-1.7%
10.8%8.9%8.5%2.9%-0.4%
19.3110.0011.355.6012.52

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€8,211€95,000-€3,000€170,828
Financial fixed assets-€12,500--€12,500
€9,214€3,850€3,850€3,850€4,438

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on CEGIMO

The operating result for 2025 is 49% higher than in 2024 and the highest since 2021. It is the fourth rise in a row.

Debt's share of the balance-sheet total falls from 49.3% to 46.3%. Equity and debt are higher.

Board & ownership

Board

1 director, no change since 2021
Director (not named in the articles)
appointed by deed of 14-07-2020 term without a fixed end
listed in the 2025 annual accounts, filed on 26-08-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
CERRO Gaetano
Director (not named in the articles)
CEGIMO
Director
BoardEarlierend not dated
Mandates as a list
  • CERRO Gaetano
    • Director (not named in the articles), from 10-07-2020 to date
  • ALENO SMART BUILDING
    • Director, appointed by deed of 15-03-2021, no longer listed in the 2025 annual accounts
  • CEGIMO
    • Director, appointed by deed of 15-03-2021, no longer listed in the 2025 annual accounts

See the board, name and registered office on a given date →

Control

Founders
CERRO Gaetano, CUNEO Glenda
This company
CEGIMO
Equity €164,303
Profit €33,102 in 2025

Capital

Contribution
€80,000
Shares
50
Contribution per share
€1,600
Equity per share
€3,286 in 2025
Source
2025 annual accounts

Articles of association

deed of 14-07-2020 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June at 19:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

Shareholders

At incorporation deed of 14-07-2020 ↗
  • CERRO Gaetano 25 shares (50%) · €2,500 in cash
  • CUNEO Glenda 25 shares (50%) · €2,500 in cash

Network & group

Holdings

own 2025 accounts, the bar shows equity in euros
This companyCEGIMO1 holding, 1 country 2025 accounts

Belgium 1 Equity Result

Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.

Earlier ties

La Paneterie
via ALENO SMART BUILDING, at CEGIMO, last mentioned in 2021 · Director · deed of 15-03-2021
founded in 2003
total assets €1.5m (2025)

Holdings and subsidiaries

1 holding

Holdings 1

Share, source and own figures per holding (1)
Holdings through the years 2021 to 2025
Holdings through the years
Name20212022202320242025
ALENO SMART BUILDING 50%100%

Source: list of holdings in its own accounts

Connections & network

Depth

The network starts from the earlier ties.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

14 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 26 days late
2025
Highest result from 2021 to 2025 net €33,102 ▲44.4% The operating result of €47,973 and the net result of €33,102 are both a record.
Equity above €150,000 equity €164,303 ▲25.2% After 4 profitable years in a row, equity reaches €164,303.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0750478409
Annual accounts 2024 filed PDFmicro format · 26 days late
2024
Annual accounts 2023 filed PDFmicro format · 26 days late
2023
Equity above €100,000 equity €108,269 ▲24.4% After 2 profitable years in a row, equity reaches €108,269.
Purpose change“L’intermédiation en fonds de commerce,c’est-à-dire l’organisation de l’achat ou de la vente de petits et…” (deed in French) · General meeting of 11-09-20233 points ▸
  • General meeting, 11-09-2023
  • Purpose change, “L’intermédiation en fonds de commerce,c’est-à-dire l’organisation de l’achat ou de la vente de petits et moyens fonds de commerce,y compris de cabinets de…” (deed in French)
  • Amendment of the articles, article 3
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFmicro format · 30 days late
2022
Back to profit net €8,406 The net result is €8,406, after one loss-making year.
Annual accounts 2021 filed PDFmicro format · 29 days late
2021
Appointment: CEGIMO (director)Permanent representative: CERRO Gaetano · Board meeting of 01-02-20213 points ▸
  • Board meeting, 01-02-2021
  • Director appointment, CEGIMO
  • Permanent representative, CERRO Gaetano

Open the deed in the Belgian Official Gazette

2020
IncorporationFounding capital of €5,000, 50 shares · Founders: CERRO Gaetano (comparant) and CUNEO Glenda (comparante) · Appointment: CERRO Gaetano (director) · published on 14-07-20207 points ▸
  • Founder, CERRO Gaetano (comparant)
  • Founder, CUNEO Glenda (comparante)
  • Founding capital, €5,000, 50 shares
  • Capital contribution, €2,500, mentioned twice in the deed
  • Board rule, 1
  • Director appointment, CERRO Gaetano (director (not named in the articles))
  • Registered office clause, rue des Enhauts 50, 7070 LE ROEULX (Ville-sur-Haine)
  • The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

First establishment Rue des Enhauts 50, Le Roeulx

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 10 July 2020, CEGIMO was incorporated as a private limited company by two natural persons, with a starting capital of €5,000.12 CERRO Gaetano is director of the company, appointed by deed of 14-07-2020.2 Total assets went from €322,872 in 2021 to €305,754 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-07-2020
  3. 3National Bank, annual accounts 2021 and 2025

Company details

Identity

Enterprise number
0750.478.409
VAT number
BE 0750.478.409
Peppol ID
0208:0750478409
Other Peppol ID
9925:BE0750478409
Legal form
Private limited company
Status
Active, normal situation
Founded
10-07-2020
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June at 19:00
deed of 14-07-2020 (in French)
Peppol
Reachable since 04-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
CEGIMO in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 14-07-2020 (in French)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
41101 Real estate development main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Prendre ou donner en bail, aliéner, acquérir tous immeubles et fonds de commerce; Acquérir, exploiter, concéder ou céder tous brevets ou…”
5 activities
  1. Prendre ou donner en bail, aliéner, acquérir tous immeubles et fonds de commerce
  2. Acquérir, exploiter, concéder ou céder tous brevets ou entreprises existantes ou à créer dont l'objet serait similaire, analogue ou connexe au sien ou serait susceptible de constituer pour elle un débouché
  3. La gestion et le développement, dans son sens le plus large, d'un patrimoine immobilier et mobilier
  4. Valoriser ce patrimoine par des actes de gestion et même de disposition s'il échet, tels que : achat, vente, aménagements, location et leasing, prises de participations dans d'autres sociétés, dans l'élaboration de projets relatifs à la gestion de patrimoines en général
  5. Soutenir d'autres sociétés dans leur développement par une aide à leur gestion et par la mise de capitaux à leur disposition, conférer ou accepter des garanties tant personnelles que réelles
deed of 14-07-2020 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue des Enhauts 50 registered office 7070 Le Roeulx 68110 Buying and selling of own real estate 10-07-2020 2.313.936.087

Buildings and parcels at the address

Ground area
966 m²
Buildings
102 m²
Volume, LiDAR
786 m³
Tallest building
9.2 m
Buildings to scale, each on its own parcel
102 m², 9.2 m 102 m², 9.2 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
55049A0423/00R000966 m² 1 · 102 m² 9.2 m · 3

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0750.478.409