Financials
- Fiscal year
- 2025
- Total assets
- €3.9m
- Profit
- €212,032
- Solvency
- 94.8%
CELFIN
ActiveSummary
CELFIN has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.7m and a net result of €212,032. The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Toutes les opérations se rapportant directement ou indirectement à la prise de participations sous…
From the articles, 8 activitiesNo NACE code in the KBO yet1 site
Size
€3.9mtotal assets 2025
- Equity
- €3.7m
- Profit
- €212,032
Structure
- Holdings
- 1
Accounts filed 54 d late3 of 4 deeds read
Why 97- Latest accounts 54 days late; 1 of the last 3 late- Founded in 2025+ Size: total assets €3.9m+ No main activity registeredShow the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (no NACE code, small)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
100
equity 94.8% of total assets
Liquidity
60
short-term debt 5.2% · cash 8.1%
Profitability
51
return on assets 5.4%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Size: total assets €3.9m lowers the probability for this profile
- Latest accounts 54 days late; 1 of the last 3 late raises the probability
- No main activity registered lowers the probability
- Founded in 2025 raises the probability for this profile
Credit up to €360,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.56; short-term debt: 5.2% and cash: 8.1% of total assets), and 5.2% of the assets are financed with debt.
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 (no NACE code, small). Better than this share of them on solvency 82%, liquidity 82%, profitability 56%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 2 filingsDeviation from the deadline
2025
54 d late
2025
190 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · full…
- Capital & shares · RestructuringMerger · Shareholding · Accounting…
- RestructuringMerger · Shareholding · Incorporation
Key points
By topic
Network & group
- Subsidiaries
- 1
- Mergers and contributions
- 1
1 subsidiary
Timeline
- Events
- 5
- Since
- 2025
- 23-09-2026Annual accounts filed
- 24-06-2026Capital & shares · Restructuring
- 05-05-2026Restructuring
Company details
- Sites
- 1
- Legal form
- Public limited company
- Founded
- 12-08-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 3
- Purpose
- Toutes les opérations se rapportant directement ou indirectement à la prise de…
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 Roughly what is this company worth?Value indication
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.