Skip to content

CELA3

Active
Private limited companyfounded 201213 yrs activeRue des Linottes(NN) 14, 5100 Namur, BelgiumKBO/BCE: BE 0500.777.940
Summary

CELA3 has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,933 and a net result of -€2,286. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 49% of 3505 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability65▲+54
Solvency74▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.55 in 2024; short-term debt: 50.6% and cash: 3% of total assets), but 50.6% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
49.4%
Return on assets
-2.2%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 13 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€2,286
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
3 d late
2024
25 d late
2023
29 d late
2022
26 d late
2021
28 d late
2020
25 d late
2019
145 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 40 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

CELA3 was incorporated on 13 November 2012.1 Total assets rose from EUR 78,116 in 2019 to EUR 103,093 in 2025 and headcount from 4 to 4 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€50,933▼ 4.3%
2024 · €53,219
Total assets
€103,093▼ 8.7%
2024 · €112,958
Net result
-€2,286▲ 65.8%
2024 · -€6,687
Working capital
€36,379▲ 10.1%
2024 · €33,040
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€16,307▼ 34.2%-€10,551€14,053-€5,056€105
Net result€12,644▼ 25.9%-€11,279€8,350-€6,687-€2,286▲ 65.8%
Equity€62,835▲ 25.2%€51,556▼ 18.0%€59,906▲ 16.2%€53,219▼ 11.2%€50,933▼ 4.3%
Total assets€103,888▲ 31.4%€91,783▼ 11.7%€103,994▲ 13.3%€112,958▲ 8.6%€103,093▼ 8.7%
Debt€41,053▲ 42.3%€40,228▼ 2.0%€44,088▲ 9.6%€59,740▲ 35.5%€52,160▼ 12.7%
Working capital€62,660▲ 24.8%€51,381▼ 18.0%€59,731▲ 16.3%€33,040▼ 44.7%€36,379▲ 10.1%
Staff (FTE)4=4=4=4.6▲ 15.0%4▼ 13.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000-€10,000€0€10,000€20,000Operating result 2021: €16,307€16,307Net result 2021: €12,644€12,644Operating result 2022: -€10,551-€10,551Net result 2022: -€11,279-€11,279Operating result 2023: €14,053€14,053Net result 2023: €8,350€8,350Operating result 2024: -€5,056-€5,056Net result 2024: -€6,687-€6,687Operating result 2025: €105€105Net result 2025: -€2,286-€2,28620212022202320242025-€10,000€0€10,000Operating result 2023: €14,053€14,100Net result 2023: €8,350€8,350Operating result 2024: -€5,056-€5,060Net result 2024: -€6,687-€6,690Operating result 2025: €105€105Net result 2025: -€2,286-€2,290202320242025
The operating result returns to profit in 2025: €105 after a loss of €5,056 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103,093
Fixed assets €14,553 ▼ 27.9%
Current assets €88,539 ▼ 4.6%
Equity and liabilities €103,093
Equity €50,933 ▼ 4.3%
Debt €52,160 ▼ 12.7%
Debt's share of the balance-sheet total falls from 52.9% to 50.6%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€5,730▲
2024 · -€2,559
Cash flow
€3,339▲
2024 · -€4,190
Current ratio
1.70▲
2024 · 1.55
Debt to equity
1.02▼
2024 · 1.12
ROE
-4.5%▲
2024 · -12.6%
ROA
-2.2%▲
2024 · -5.9%
Interest coverage
5.87▲
2024 · -3.65
Debt ≤ 1 year
€52,160▼
2024 · €59,740
Income taxes
€1,214▲
2024 · €931
Staff costs
€192,060▼
2024 · €206,764
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,916 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a small loss
1.1% went bankrupt
7.8% stopped otherwise
91% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,916 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€112,958€103,093▼
Fixed assets21/28€20,178€14,553▼
Tangible fixed assets22/27€20,003€14,378▼
Furniture and vehicles24€20,003€14,378▼
Financial fixed assets28€175€175=
Current assets29/58€92,780€88,539▼
Amounts receivable within one year40/41€88,036€84,888▼
Trade receivables40€88,036€84,888▼
Cash at bank and in hand54/58€4,744€3,085▼
Deferred charges and accrued income490/1-€566
Equity and liabilities
Total equity and liabilities10/49€112,958€103,093▼
Equity10/15€53,219€50,933▼
Contributions10/11€6,200€8,060▲
Capital10€6,200-
Issued capital100€18,600-
Uncalled capital101€12,400-
Outside capital11-€8,060
Other1109/19-€8,060
Reserves13€1,860-
Non-distributable reserves130/1€1,860-
Legal reserve130€1,860-
Profit (loss) carried forward14€45,159€42,873▼
Amounts payable17/49€59,740€52,160▼
Amounts payable within one year42/48€59,740€52,160▼
Trade debts44€13,369€4,769▼
Suppliers440/4€13,369€4,769▼
Taxes, remuneration and social security45€46,371€47,391▲
Taxes450/3€23,153€23,910▲
Remuneration and social security454/9€23,218€23,481▲
Income statement Code20242025
Remuneration, social security and pensions62€206,764€192,060▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,497€5,625▲
Other operating charges640/8€676€994▲
Gross operating margin9900€204,881€198,784▼
Operating profit (loss)9901-€5,056€105▲
Financial charges65/66B€700€1,177▲
Recurring financial charges65€700€977▲
Non-recurring financial charges66B-€200
Profit (loss) for the period before taxes9903-€5,756-€1,072▲
Income taxes67/77€931€1,214▲
Profit (loss) for the period9904-€6,687-€2,286▲
Profit (loss) for the period to be appropriated9905-€6,687-€2,286▲
Appropriation of the result
Profit (loss) to be appropriated9906€45,159€42,873▼
Profit (loss) brought forward from the previous period14P€51,846€45,159▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A--€4,714---
Remuneration, social security and pensions62-€140,636€134,320€206,764€192,060▼ 7.1%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630---€2,497€5,625▲ 125%
Other operating charges640/8-€348€626€676€994▲ 47.0%
Gross operating margin9900€124,815€130,434€148,999€204,881€198,784▼ 3.0%
Operating profit (loss)9901€16,307-€10,551€14,053-€5,056€105▲ 102%
Recurring financial income75€3-----
Financial charges65/66B-€556€2,118€700€1,177▲ 68.0%
Recurring financial charges65€401€556€2,118€700€977▲ 39.5%
Non-recurring financial charges66B----€200-
Profit (loss) for the period before taxes9903€15,910-€11,107€11,935-€5,756-€1,072▲ 81.4%
Income taxes67/77€3,265€173€3,585€931€1,214▲ 30.4%
Profit (loss) for the period9904€12,644-€11,279€8,350-€6,687-€2,286▲ 65.8%
Profit (loss) for the period to be appropriated9905€12,644-€11,279€8,350-€6,687-€2,286▲ 65.8%
Line20212022202320242025Change
Assets
Total assets20/58€103,888€91,783€103,994€112,958€103,093▼ 8.7%
Fixed assets21/28€175€175€175€20,178€14,553▼ 27.9%
Tangible fixed assets22/27---€20,003€14,378▼ 28.1%
Furniture and vehicles24---€20,003€14,378▼ 28.1%
Financial fixed assets28€175€175€175€175€175=
Current assets29/58€103,713€91,608€103,819€92,780€88,539▼ 4.6%
Stocks and contracts in progress3€2,145€2,145€2,145---
Stocks30/36-€2,145€2,145---
Amounts receivable within one year40/41€89,598€84,122€98,200€88,036€84,888▼ 3.6%
Trade receivables40-€84,122€98,200€88,036€84,888▼ 3.6%
Cash at bank and in hand54/58€10,649€4,257€160€4,744€3,085▼ 35.0%
Deferred charges and accrued income490/1-€1,085€3,314-€566-
Equity and liabilities
Total equity and liabilities10/49€103,888€91,783€103,994€112,958€103,093▼ 8.7%
Equity10/15€62,835€51,556€59,906€53,219€50,933▼ 4.3%
Contributions10/11€6,200€6,200€6,200€6,200€8,060▲ 30.0%
Capital10-€6,200€6,200€6,200--
Issued capital100-€18,600€18,600€18,600--
Uncalled capital101-€12,400€12,400€12,400--
Outside capital11----€8,060-
Other1109/19----€8,060-
Reserves13€1,860€1,860€1,860€1,860--
Non-distributable reserves130/1-€1,860€1,860€1,860--
Legal reserve130-€1,860€1,860€1,860--
Profit (loss) carried forward14€54,775€43,496€51,846€45,159€42,873▼ 5.1%
Amounts payable17/49€41,053€40,228€44,088€59,740€52,160▼ 12.7%
Amounts payable within one year42/48€41,053€40,228€44,088€59,740€52,160▼ 12.7%
Trade debts44€6,229€6,114€6,730€13,369€4,769▼ 64.3%
Suppliers440/4-€6,114€6,730€13,369€4,769▼ 64.3%
Taxes, remuneration and social security45-€30,587€37,358€46,371€47,391▲ 2.2%
Taxes450/3-€13,644€21,776€23,153€23,910▲ 3.3%
Remuneration and social security454/9-€16,943€15,582€23,218€23,481▲ 1.1%
Other amounts payable47/48-€3,527----
Line20212022202320242025Change
Profit (loss) for the period9904€12,644-€11,279€8,350-€6,687-€2,286▲ 65.8%
+ Depreciation and write-downs630---€2,497€5,625▲ 125%
Operating cash flow (approximation)€12,644-€11,279€8,350-€4,190€3,339▲ 180%
Investment in fixed assets (approximation)-€0€0-€22,500€0▲ 100%
Change in cash--€6,392-€4,096€4,584-€1,659▼ 136%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
03-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
25-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
29-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial Back to profitnet €8,350
Net result €8,350 after one loss-making year.
26-02
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
30-06
Financial Weakest financial yearnet -€11,279
Net result drops to -€11,279, the lowest in the series; recovery starts the following year.
28-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
25-02
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial Back to profitnet €17,075
Net result €17,075 after one loss-making year.
24-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 145 days late
2019
30-03
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
24-02
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-01
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Namur · 1 establishment unit since 2012
seat establishment The establishment unit on the map
Ground area
3,659 m²
Building footprint
678 m²
Volume, LiDAR
2,222 m³
Parcel 92095B0210/00E003, Wallonia · tallest building 3.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CELA3
Rue des Linottes(NN) 14, 5100 NamurPrinting and reproduction of recorded media
since 20122.214.304.419
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92095B0210/00E003 Wallonia 3,659 m² 1 · 678 m² 3.7 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. COLORISPRINT 100%
  2. CELA3

Highest known parent: COLORISPRINT. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 6,288 companies in sector 74120 we hold annual accounts for 1,011. 869 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-11-2012
Fiscal year end30-06
Activities, NACEBEL 2025
18120Other printing
74120Graphic design and visual communication
74140Other specialised design activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0500777940
Registered 02-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.