Summary
CELIDEX is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €307,088 and a net result of €41,694. Equity has been growing by about 14% per year since 2018. Its solvency ranks better than 88% of 3,060 sector peers (NACE 66, financial year 2025). The company has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 24-12-1996 Normal situation
- Activity
- Risk and damage evaluation NACE 66210
- Establishment unit
- 2.080.354.545 1400 Nivelles, since 05-02-1997
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €41,694
- ▼ 7.2%
- Equity
- €307,088
- ▲ 15.7%
- Total assets
- €345,328
- ▲ 13.2%
- 2025 accounts filed 19 days after the deadline
SignalsneutralA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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
1 signal.
neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 days late
2024
on the day
2023
33 days early
2022
4 days early
2021
6 days early
2020
27 days late
2019
63 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 19 days after the deadline Filed on 19 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00405666.
Annual accounts 2025 filed on 19-08-2026 at the NBB all 29 filings
Equity
€307,088▲ 15.7%
2024 · €265,394
Net result
€41,694▼ 7.2%
2024 · €44,925
Total assets
€345,328▲ 13.2%
2024 · €305,152
Solvency
88.9%▲ 2.0pp
2024 · 87.0%
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€57,105
▼ 9.0%
2025
20182025
Net result
€41,694
▼ 7.2%
2025
middle half of the sector
20182025
Equity
€307,088
▲ 15.7%
2025
middle half of the sector
20182025
Total assets
€345,328
▲ 13.2%
2025
middle half of the sector
20182025
Debt
€38,240
▼ 3.8%
2025
20182025
Working capital
€111,542
▲ 37.8%
2025
middle half of the sector
20182025
Solvency
88.9%
▲ 2.0pp
2025
highest quarter of the sector
20182025
Current ratio
3.92
▲ 0.57
2025
middle half of the sector
20182025
Return on assets (ROA)
12.1%
▼ 2.6pp
2025
middle half of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€2,777-€13,985€6,603▼ 52.8%€14,552▲ 120%€29,765▲ 105%€63,002▲ 112%€62,727▼ 0.4%€57,105▼ 9.0%
Net result-€5,686-€12,503€6,961within the sector's middle half▼ 44.3%€10,339within the sector's middle half▲ 48.5%€21,146within the sector's middle half▲ 105%€45,889within the sector's middle half▲ 117%€44,925within the sector's middle half▼ 2.1%€41,694within the sector's middle half▼ 7.2%
Equity€123,629-€136,132▲ 10.1%€143,094within the sector's middle half▲ 5.1%€153,433within the sector's middle half▲ 7.2%€174,579within the sector's middle half▲ 13.8%€220,468within the sector's middle half▲ 26.3%€265,394within the sector's middle half▲ 20.4%€307,088within the sector's middle half▲ 15.7%
Total assets€167,903-€173,848▲ 3.5%€173,311within the sector's middle half▼ 0.3%€176,967within the sector's middle half▲ 2.1%€196,617within the sector's middle half▲ 11.1%€268,584within the sector's middle half▲ 36.6%€305,152within the sector's middle half▲ 13.6%€345,328within the sector's middle half▲ 13.2%
Debt€44,274-€37,716▼ 14.8%€30,218▼ 19.9%€23,534▼ 22.1%€22,038▼ 6.4%€48,116▲ 118%€39,758▼ 17.4%€38,240▼ 3.8%
Working capital-€26,721--€32,441▼ 21.4%-€19,097below the sector's middle half▲ 41.1%-€5,104below the sector's middle half▲ 73.3%€16,654within the sector's middle half€49,292within the sector's middle half▲ 196%€80,955within the sector's middle half▲ 64.2%€111,542within the sector's middle half▲ 37.8%
Solvency73.6%-78.3%▲ 4.7pp82.6%above the sector's middle half▲ 4.3pp86.7%above the sector's middle half▲ 4.1pp88.8%above the sector's middle half▲ 2.1pp82.1%above the sector's middle half▼ 6.7pp87.0%above the sector's middle half▲ 4.9pp88.9%above the sector's middle half▲ 2.0pp
Current ratio0.32-0.13▼ 0.190.37below the sector's middle half▲ 0.240.77below the sector's middle half▲ 0.411.76within the sector's middle half▲ 0.982.34within the sector's middle half▲ 0.583.35within the sector's middle half▲ 1.013.92within the sector's middle half▲ 0.57
Return on assets (ROA)-3.4%-7.2%▲ 10.6pp4.0%within the sector's middle half▼ 3.2pp5.8%within the sector's middle half▲ 1.8pp10.8%within the sector's middle half▲ 4.9pp17.1%within the sector's middle half▲ 6.3pp14.7%within the sector's middle half▼ 2.4pp12.1%within the sector's middle half▼ 2.6pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 9% lower than in 2024 and the lowest since 2022. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345,328
Fixed assets
€195,546 ▲ 3.1%
Current assets
€149,782 ▲ 29.7%
Equity and liabilities €345,328
Equity
€307,088 ▲ 15.7%
Debt
€38,240 ▼ 3.8%
Debt's share of the balance-sheet total falls from 13.0% to 11.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.6%▼
2024 · 16.9%
Debt ≤ 1 year
€38,240▲
2024 · €34,512
Income taxes
€15,770▼
2024 · €17,570
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €8,525 | €4,135 | €31,364 | €21,958 | €29,312 |
| Depreciation and write-downs of the year | €5,472 | €5,791 | €3,657 | €14,137 | €13,254 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,120 | €6,622 | €7,910 | €5,472 | €5,791 | €3,657 | €14,137 | €13,254 | ▼ 6.2% |
| Other operating charges640/8 | - | - | - | €321 | €519 | €1,172 | €1,222 | €1,421 | ▲ 16.3% |
| Gross operating margin9900 | €11,631 | €21,455 | €15,356 | €20,345 | €36,076 | €67,831 | €78,086 | €71,780 | ▼ 8.1% |
| Operating profit (loss)9901 | -€2,777 | €13,985 | €6,603 | €14,552 | €29,765 | €63,002 | €62,727 | €57,105 | ▼ 9.0% |
| Financial income75/76B | - | - | - | €10 | €45 | €119 | €495 | €919 | ▲ 85.7% |
| Recurring financial income75 | €0 | €1 | €2,500 | €10 | €45 | €119 | €495 | €919 | ▲ 85.7% |
| Financial charges65/66B | - | - | - | €345 | €199 | €467 | €726 | €559 | ▼ 23.0% |
| Recurring financial charges65 | €458 | €242 | €141 | €345 | €199 | €467 | €726 | €559 | ▼ 23.0% |
| Profit (loss) for the period before taxes9903 | -€3,235 | €13,743 | €8,962 | €14,217 | €29,611 | €62,653 | €62,496 | €57,464 | ▼ 8.1% |
| Income taxes67/77 | €2,451 | €1,240 | €2,001 | €3,877 | €8,465 | €16,764 | €17,570 | €15,770 | ▼ 10.2% |
| Profit (loss) for the period9904 | -€5,686 | €12,503 | €6,961 | €10,339 | €21,146 | €45,889 | €44,925 | €41,694 | ▼ 7.2% |
| Profit (loss) for the period to be appropriated9905 | -€5,686 | €12,503 | €6,961 | €10,339 | €21,146 | €45,889 | €44,925 | €41,694 | ▼ 7.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €167,903 | €173,848 | €173,311 | €176,967 | €196,617 | €268,584 | €305,152 | €345,328 | ▲ 13.2% |
| Fixed assets21/28 | €155,393 | €168,965 | €162,191 | €159,582 | €157,925 | €182,463 | €189,684 | €195,546 | ▲ 3.1% |
| Tangible fixed assets22/27 | €5,293 | €18,865 | €12,091 | €9,482 | €7,825 | €32,363 | €40,184 | €46,046 | ▲ 14.6% |
| Land and buildings22 | - | - | - | €119 | €79 | €40 | €0 | €0 | - |
| Plant, machinery and equipment23 | - | - | - | €1,388 | €1,349 | €902 | €508 | €14,553 | ▲ 29× |
| Furniture and vehicles24 | - | - | - | €7,974 | €6,396 | €31,421 | €39,676 | €31,493 | ▼ 20.6% |
| Financial fixed assets28 | €150,100 | €150,100 | €150,100 | €150,100 | €150,100 | €150,100 | €149,500 | €149,500 | = |
| Current assets29/58 | €12,509 | €4,883 | €11,120 | €17,386 | €38,692 | €86,121 | €115,468 | €149,782 | ▲ 29.7% |
| Amounts receivable within one year40/41 | €10,000 | €2,665 | €193 | €1,320 | €2,377 | €2,358 | - | €3,579 | - |
| Trade receivables40 | - | - | - | - | - | €2,358 | - | €3,365 | - |
| Other amounts receivable41 | - | - | - | €1,320 | €2,377 | - | - | €214 | - |
| Cash at bank and in hand54/58 | €1,699 | €1,154 | €10,278 | €14,717 | €36,315 | €83,630 | €115,468 | €144,489 | ▲ 25.1% |
| Deferred charges and accrued income490/1 | - | - | - | €1,349 | - | €134 | - | €1,714 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €167,903 | €173,848 | €173,311 | €176,967 | €196,617 | €268,584 | €305,152 | €345,328 | ▲ 13.2% |
| Equity10/15 | €123,629 | €136,132 | €143,094 | €153,433 | €174,579 | €220,468 | €265,394 | €307,088 | ▲ 15.7% |
| Contributions10/11 | €6,197 | €6,197 | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €115,573 | €128,076 | €135,037 | €145,377 | €166,522 | €212,412 | €257,337 | €299,032 | ▲ 16.2% |
| Amounts payable17/49 | €44,274 | €37,716 | €30,218 | €23,534 | €22,038 | €48,116 | €39,758 | €38,240 | ▼ 3.8% |
| Amounts payable after more than one year17 | €5,043 | €392 | - | €1,044 | - | €11,287 | €5,246 | - | - |
| Financial debts170/4 | - | - | - | €1,044 | - | €11,287 | €5,246 | - | - |
| Amounts payable within one year42/48 | €39,231 | €37,324 | €30,218 | €22,490 | €22,038 | €36,829 | €34,512 | €38,240 | ▲ 10.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €4,145 | €1,044 | €5,776 | €6,041 | €5,668 | ▼ 6.2% |
| Trade debts44 | €1,461 | €815 | €896 | €351 | €821 | €2,214 | €363 | €972 | ▲ 168% |
| Suppliers440/4 | - | - | - | €351 | €821 | €2,214 | €363 | €972 | ▲ 168% |
| Taxes, remuneration and social security45 | - | - | - | €4,914 | €7,388 | €19,878 | €26,431 | €29,097 | ▲ 10.1% |
| Taxes450/3 | - | - | - | €4,914 | €7,388 | €19,878 | €26,431 | €29,097 | ▲ 10.1% |
| Other amounts payable47/48 | - | - | - | €13,080 | €12,784 | €8,961 | €1,678 | €2,504 | ▲ 49.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,686 | €12,503 | €6,961 | €10,339 | €21,146 | €45,889 | €44,925 | €41,694 | ▼ 7.2% |
| + Depreciation and write-downs630 | €14,120 | €6,622 | €7,910 | €5,472 | €5,791 | €3,657 | €14,137 | €13,254 | ▼ 6.2% |
| Operating cash flow (approximation) | €8,433 | €19,125 | €14,871 | €15,811 | €26,937 | €49,547 | €59,063 | €54,948 | ▼ 7.0% |
| Investment in fixed assets (approximation) | - | -€20,193 | -€1,136 | -€2,863 | -€4,135 | -€28,195 | -€21,358 | -€19,116 | ▲ 10.5% |
| Change in cash | - | -€545 | €9,124 | €4,439 | €21,598 | €47,315 | €31,838 | €29,021 | ▼ 8.8% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 29 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 19-08-2026 | 2026-00405666 | |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00353336 | |
| 31-12-2023 | micro format | 28-06-2024 | 2024-00216084 | |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00287887 | |
| 31-12-2021 | micro format | 25-07-2022 | 2022-20218547 | |
| 31-12-2020 | micro format | 27-08-2021 | 2021-59000203 | |
| 31-12-2019 | micro format | 02-10-2020 | 2020-58700179 | |
| 31-12-2018 | micro format | 07-08-2019 | 2019-44800266 | |
| 31-12-2017 | micro format | 24-07-2018 | 2018-37200144 | |
| 31-12-2016 | micro format | 25-07-2017 | 2017-36300439 |
Board & ownership
Directors
Directors
1 director
BEECKAERT Pascal
Current
Director · listed in the 2025 annual accounts, filed on 19-08-2026
Owners and capital
Owners
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 2025Equity €149,053 Profit of €16,921 in 2025 (profit of €14,993 in 2024)20%
Holdings through the years 2008 to 2025
| Name | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P. GERARD & CO. | 16.4% | 20% | ||||||||||||||||
Source: list of holdings in its own accounts
Connections & network
1 current directorThe network starts from the directors of CELIDEX. Every other company they run is a node.
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
Deeds, filings and financial milestones
Deadline for the 2026 accounts:
2026
19-08
micro format · 19 days late
2025
31-07
micro format · on the deadline day
2024
28-06
micro format · 33 days before the deadline
2023
31-12
Financial
Highest result from 2018 to 2025net €45,889 ▲117%
The operating result of €63,002 and the net result of €45,889 are both a record.
31-12
Financial
Equity above €200,000equity €220,468 ▲26.3%
After 5 profitable years in a row, equity reaches €220,468.
27-07
micro format · 4 days before the deadline
2022
31-12
Financial
Liquidity more than doubledcurrent ratio 1.76
The current ratio rises from 0.77 to 1.76. Short-term debt falls from €22,490 to €22,038.
25-07
micro format · 6 days before the deadline
2021
31-12
Financial
Equity above €150,000equity €153,433 ▲7.2%
After 3 profitable years in a row, equity reaches €153,433.
27-08
micro format · 27 days late
2020
02-10
micro format · 63 days late
2019
31-12
Financial
Back to profitnet €12,503
The net result is €12,503, after one loss-making year.
Show earlier events
07-08
micro format · 7 days late
2018
24-07
micro format · 7 days before the deadline
2017
25-07
micro format · 6 days before the deadline
1997
07-01
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
CELIDEX in French
Name in the Peppol Directory
Celidex Srl Tva: BE0459.582.832
Enterprise number
0459.582.832
Legal form
Private limited company (pre-2019)
Status
Active, normal situation
Founded
24-12-1996
Entity type
Legal entity
Registered office and establishments
Registered office
Chemin de l'Escavée 30, 1400 Nivelles, Belgium
Establishment unit
CELIDEX, Chemin de l'Escavée 30, 1400 Nivelles since 05-02-1997 · unit number 2.080.354.545
Activities
NACEBEL 202566210
Risk and damage evaluation main activity
Codes under NACEBEL 2008
66210
Activities auxiliary to financial services and insurance activities main activity
Codes under NACEBEL 2003
67202
main activity
Invoicing and payment
VAT number
BE 0459.582.832
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
2,328 m²
Building footprint
98 m²
Building volume
778 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25783F0129/00L002 | Wallonia | 2,328 m² | 1 · 98 m² | 11.2 m · 3 |