Financials
- Fiscal year
- 2025
- Total assets
- €408,136
- Loss
- -€25,560
- Solvency
- -23.9%
Total assets▼ 1.1%
Net result
20182025
CEKOMA
ActiveSummary
CEKOMA has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€97,673) and a net result of -€25,560. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 11006 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
€408,136total assets 2025
- Equity
- -€97,673
- Loss
- -€25,560
Turnover not published (abridged schema)
Structure
- Board
- 3 members
Accounts 41 d early1 of 6 deeds read
Why 53Capped at 59: negative equity- 2 of the last 3 late- Liquidity: current ratio 0.08, cash €12,793- Loss of €25,560, the second in a row (FY 2025)+ Size: total assets €408,136Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 18% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
1-7
equity -23.9% of total assets
Liquidity
17-13
short-term debt 68.6% · cash 3.1%
Profitability
38+17
return on assets -6.3%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.9%
12-2024: 0.9%● 0.0% vs 11-2024
01-2025: 0.9%● 0.0% vs 12-2024
02-2025: 0.9%● 0.0% vs 01-2025
03-2025: 0.9%● 0.0% vs 02-2025
04-2025: 0.9%▼ -2.3% vs 03-2025
05-2025: 0.9%▲ +1.9% vs 04-2025
06-2025: 0.9%▼ -0.9% vs 05-2025
07-2025: 1.1%▲ +16.7% vs 06-2025
08-2025: 1.4%▲ +29.2% vs 07-2025
09-2025: 1.5%▲ +11.3% vs 08-2025
10-2025: 1.9%▲ +27.1% vs 09-2025
11-2025: 2.2%▲ +12.4% vs 10-2025highest value
12-2025: 1.8%▼ -15.4% vs 11-2025
01-2026: 1.8%● 0.0% vs 12-2025
02-2026: 1.8%● 0.0% vs 01-2026
03-2026: 1.8%▼ -0.7% vs 02-2026
04-2026: 1.8%● 0.0% vs 03-2026
05-2026: 1.9%▲ +1.5% vs 04-2026
06-2026: 1.8%▼ -0.8% vs 05-2026
07-2026: 0.8%▼ -56.5% vs 06-2026lowest value
08-2026: 0.8%● 0.0% vs 07-2026lowest value
09-2026: 0.8%● 0.0% vs 08-2026lowest value
10-2026: 0.8%● 0.0% vs 09-2026lowest value
- Size: total assets €408,136 lowers the probability for this profile
- 2 of the last 3 late raises the probability
- Liquidity: current ratio 0.08, cash €12,793 raises the probability
- Loss of €25,560, the second in a row (FY 2025) raises the probability
No credit on open account
Liquidity short (current ratio 0.08 against 0.12 in 2024; short-term debt: 68.6% and cash: 3.1% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 9%, liquidity 15%, profitability 33%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€97,673
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 20-06-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
90 d late
2023
53 d late
2022
7 d early
2021
21 d late
2020
24 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 24 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed 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. Usually files around 21 August (4 of the last 5 filed years within 62 days of that day).
Companies Code · seven monthsPosition in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
- Reappointments: Hermans Robert (director) and Hermans…Appointment: Geuens Willy (director)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€97,673 View
- Risk: 8 loss-making years in a rowloss fiscal year 2025 -€25,560 View
- Caution: Among the weakest 9% on solvencysector median 31.3% · 11,006 companies -23.9% View
- New directorlatest change 30-06-2026 · 3 in office 1 joined View
- Active since 1973founded 03-02-1973 53 years View
By topic
Board & ownership
- Board
- 3 members
Go to Board & ownership
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 30-06-2026Reappointments: Hermans Robert (director) and Hermans Dirk…
- 20-06-2026Annual accounts filed
- 29-10-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Renting and operating of own or leased residential…NACE 68201
- Founded
- 03-02-1973
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.