CELIA INVEST

Active

Private limited companyfounded 20206 yrs activeRue du Longfaux(BUV) 73, 7133 Binche, BelgiumKBO/BCE: BE 0745.871.701

CELIA INVEST has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €17k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 26% of 19348 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2024

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability46▼-34

Solvency30▲+1

Growth85=

Track record100

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity short (current ratio 0.5 against 0.35 in 2023; short-term debt: 9.3% and cash: 0% of total assets), and 94.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

35 d early

2023

91 d late

2022

66 d late

2021

119 d late

2020

16 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€283k▲ 12.1%

2022 · €253k

2020: €51k 2021: €123k 2022: €253k

2020 → 2023

EBIT margin

13.9%▲ 13.7pp

2022 · 0.2%

2020: 24.8% 2021: 27.1% 2022: 0.2%

2020 → 2023

Net result

€17k▼ 19.0%

2023 · €20k

2020: €7k 2021: €16k 2022: €-15k 2023: €20k

2020 → 2024

Working capital

€-100k▲ 62.4%

2023 · €-266k

2020: €-56k 2021: €-82k 2022: €-203k 2023: €-266k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€51k-€123k▲ 144%€253k▲ 105%€283k▲ 12.1%

Equity€9k-€88k▲ 911%€73k▼ 17.0%€93k▲ 28.0%€113k▲ 21.0%

Operating result€13k-€33k▲ 167%€549▼ 98.4%€39k▲ 7,081%€85k▲ 115%

Net result€7k-€16k▲ 143%€-15k€20k€17k▼ 19.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 115% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.15M

95.4%

Fixed assets €2.06M▲ 1.6%

Current assets €100k▼ 30.5%

Equity and liabilities €2.15M

94.8%

Equity €113k▲ 21.0%

Debt €2.04M▼ 1.5%

The debt ratio falls from 95.7% to 94.8%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€199k▲

2023 · €137k

Cash flow

€131k▲

2023 · €118k

Solvency

5.2%▲

2023 · 4.3%

Current ratio

0.50▲

2023 · 0.35

Quick ratio

0.50▲

2023 · 0.35

Debt / equity

18.05▼

2023 · 22.16

ROE

14.7%▼

2023 · 21.9%

ROA

0.8%▼

2023 · 0.9%

Interest coverage

3.21▼

2023 · 9.05

Debt

€2.04M▼

2023 · €2.07M

Debt ≤ 1 year

€200k▼

2023 · €410k

Debt > 1 year

€1.84M▲

2023 · €1.66M

Income taxes

€6k▲

2023 · €4k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€2.17M€2.15M▼

Fixed assets21/28€2.02M€2.06M▲

Tangible fixed assets22/27€2.02M€2.05M▲

Land and buildings22€2.01M€2.04M▲

Plant, machinery and equipment23€3k€4k▲

Furniture and vehicles24€5k€6k▲

Other tangible fixed assets26€2k€1k▼

Financial fixed assets28-€2k

Current assets29/58€143k€100k▼

Amounts receivable within one year40/41€139k€22k▼

Trade receivables40€134k€12k▼

Other amounts receivable41€4k€10k▲

Cash at bank and in hand54/58€3k€144▼

Deferred charges and accrued income490/1€2k€77k▲

Equity and liabilities

Total equity and liabilities10/49€2.17M€2.15M▼

Equity10/15€93k€113k▲

Contributions10/11€2k€2k=

Revaluation surpluses12€63k€66k▲

Profit (loss) carried forward14€28k€45k▲

Amounts payable17/49€2.07M€2.04M▼

Amounts payable after more than one year17€1.66M€1.84M▲

Financial debts170/4€1.66M€1.84M▲

Amounts payable within one year42/48€410k€200k▼

Current portion of amounts payable after more than one year42€55k€61k▲

Financial debts43-€7k

Credit institutions430/8-€4k

Other loans439-€3k

Trade debts44€168k€12k▼

Suppliers440/4€168k€12k▼

Advances received on contracts in progress46€7k-

Taxes, remuneration and social security45€5k€15k▲

Taxes450/3€5k€15k▲

Other amounts payable47/48€176k€106k▼

Income statement Code20232024

Turnover70€283k-

Goods, raw materials, services and sundry goods60/61€137k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€114k▲

Other operating charges640/8€9k€12k▲

Gross operating margin9900€146k€211k▲

Operating profit (loss)9901€39k€85k▲

Financial income75/76B€1€13▲

Recurring financial income75€1€13▲

Financial charges65/66B€15k€62k▲

Recurring financial charges65€15k€62k▲

Profit (loss) for the period before taxes9903€24k€23k▼

Income taxes67/77€4k€6k▲

Profit (loss) for the period9904€20k€17k▼

Profit (loss) for the period to be appropriated9905€20k€17k▼

Appropriation of the result

Profit (loss) to be appropriated9906€28k€45k▲

Profit (loss) brought forward from the previous period14P€8k€28k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €100kEq €113k ▲21%

2 profitable years in a row build equity to €113k.

30-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 91 days late

2023

31-12

Financial Back to profitnet €20k

Net result €20k after one loss-making year.

05-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 66 days late

2022

31-12

Financial Weakest financial yearnet €-15k ▼192%

Net result drops to €-15k, the lowest in the series; recovery starts the following year.

27-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 119 days late

2021

16-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 16 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Binche · 1 establishment unit since 2020

establishment approximate The establishment unit on the map

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 du Longfaux(BUV) 737133 Binche

Ground area

3,128 m²

Parcel 56014D0623/00A000, Wallonia. Linked by address, not a title deed.

1 establishment unit

CELIA INVEST

Rue du Longfaux(BUV) 73, 7133 BincheReal estate activities

since 20202.301.101.997

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56014D0623/00A000	Wallonia	3,128 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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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,748 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-04-2020

Fiscal year end31-12

Activities, NACEBEL

68110Buying and selling of own real estate

68201Renting and operating of own or leased residential real estate, excluding social housing

68204Real estate activities

82100Office administrative and support services

82110Office administrative, office support and other business support activities

82190Office administrative, office support and other business support activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

3 entries

Phone:+32000000000

Enterprise

E-mail:jordan.adant@pv.be

Establishment Binche 2.301.101.997

Phone:0497556232

Establishment Binche 2.301.101.997