Financials
- Fiscal year
- 2025
- Total assets
- €194,601
- Profit
- €53,566
- Solvency
- 33.7%
Céline BOVY
ActiveSummary
Céline BOVY has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65,566 and a net result of €53,566. Its solvency ranks better than 50% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47113
1 site
Size
€194,601total assets 2025
- Equity
- €65,566
- Profit
- €53,566
Turnover not published (abridged schema)
Structure
Accounts filed 20 d late0 of 1 deed read
Why 85- Founded in 2024- Sector Retail trade (NACE 47)- Size: total assets €194,601+ Liquidity: current ratio 2.00, cash €87,347Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Better than 77% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
59
equity 33.7% of total assets
Liquidity
84
short-term debt 35.0% · cash 44.9%
Profitability
100
return on assets 27.5%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2025: 1.8%
07-2025: 1.8%● 0.0% vs 06-2025
08-2025: 1.8%▲ +2.6% vs 07-2025
09-2025: 2.2%▲ +19.2% vs 08-2025
10-2025: 2.3%▲ +5.3% vs 09-2025
11-2025: 2.6%▲ +10.9% vs 10-2025
12-2025: 2.6%● 0.0% vs 11-2025
01-2026: 2.8%▲ +10.4% vs 12-2025
02-2026: 2.9%▲ +1.8% vs 01-2026
03-2026: 2.7%▼ -4.2% vs 02-2026
04-2026: 2.8%▲ +1.3% vs 03-2026
05-2026: 3.1%▲ +11.8% vs 04-2026
06-2026: 3.1%▲ +1.1% vs 05-2026highest value
07-2026: 3.1%● 0.0% vs 06-2026highest value
08-2026: 3.1%● 0.0% vs 07-2026highest value
09-2026: 0.5%▼ -83.3% vs 08-2026lowest value
10-2026: 0.5%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 2.00, cash €87,347 lowers the probability
- Founded in 2024 raises the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Size: total assets €194,601 raises the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.0; short-term debt: 35% and cash: 44.9% of total assets), but 66.3% 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 (NACE 47, micro). Better than this share of them on solvency 49%, liquidity 87%, profitability 96%. 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.
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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 20-08-2026, 20 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 · 1 filingDeviation from the deadline
2025
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 20-08-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 31-05-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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