Equity
€61,757 from €933,028 in 2022
Equity fell by 93% in 3 years.
CEMA
Lifetime
19 annual accounts with figures on one time axis, 29 filings since 1997peak €175,473 (2020)
€1,484▼ 98.5%
peak €105,900 (2020)
€993▼ 96.0%
peak €933,028 (2022)
€61,757▲ 1.6%
€22,999▲ 80.8%
peak 1 FTE (2024)
-not published
Board4 names since 2021
2 directorsCL BEHEER and 1 other
Owners
49.03%CJ Management
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Gross margin from €102,196 to €1,484Result from €24,570 to €9932 directors appointed, 1 resignation 13-01Debts from €12,724 to €22,999
Key points
from the 2025 annual accountsTurnover
≈ €10,000 estimated
The abbreviated format states no turnover.
Investments
€2,529 1.5 × depreciation
Green is investment, beige is depreciation. Machinery stands 1507.0% higher than in 2024.
Liquidity
3.53 was 5.57 in 2024
Short-term debts rose from €12,712 to €22,987.
Filings
29 annual accounts since 1997
The last five annual accounts were filed 9 to 37 days before the end of the period.
Position in the sector
€993
Lower net result than 83% of companies in auxiliary financial services. Sector median €71,242 · 1,855 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
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.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal, which does not raise the risk
1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 days early
2024
9 days early
2023
13 days early
2022
33 days early
2021
37 days early
2020
31 days early
2019
31 days early
← 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 25 days before 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 9 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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CJ Management 49.03%score 81equity €28,810 (2025) · 2025 annual accounts of CJ Management
Recent changes
2 directors appointed, 1 resignation
Resignation: CELEN Marc Willem Alfons (statutory director) · Appointments: CL BEHEER and CJ MANAGEMENT · Permanent representatives: CELEN Marc Willem Alfons and CELEN Jordi · General meeting of 20-12-2024 · Gazette deed
Demerger: CEMA splits off to CL BEHEER
Appointments: CELEN Marc Willem Alfons (statutory director) and LAMBRECHTS Anita Maria Marcella (successor statutory director) · General meeting of 08-06-2023 · Gazette deed
Demerger proposal: CEMA splits off to CL BEHEER
Appointments: Marc Celen (director) and Anita Lambrechts (director) · Marc Celen holds 1,575 shares · Anita Lambrechts holds 175 shares · Gazette deed
Capital decrease of €269,400 to €18,600
Capital from €288,000 to €18,600 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CEMA Berlaar | €84,756 | €1,484 | 72.9% | - |
| SAVE INSURANCE Antwerp | €113,444 | €1,263 | 9.3% | - |
| V.I.A.R.D. Chaudfontaine | €79,600 | -€2,146 | 68.5% | - |
| KANTOOR ROGIERS Lochristi | €110,384 | -€5,363 | -83.8% | 0.5 |
| Assurances DEKEMPENER Chapelle-lez-Herlaimont | €112,566 | -€7,384 | 100.0% | - |
| FRAGAPANE INVEST Binche | €72,945 | -€5,644 | 97.2% | - |
| ZAKENKANTOOR PATRICK DE RUISSEAUX Antwerp | €100,380 | €2,921 | 16.8% | - |
These companies have the same main activity as CEMA: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €72,900 and €113,000, founded between 1989 and 2005.
Official details
Source: KBO- Status
- Active since 31-01-1997Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 1 other
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2022
- Establishment unit
- 2.081.322.5652590 Berlaar, since 10-04-1997
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €84,756▲ 15.3%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on CEMA
CEMA files the abbreviated format. That format states no turnover. The gross margin fell from €75,529 in 2006 to €1,484 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CEMA
- What is the company number of CEMA?
- The company number of CEMA is 0459.958.855. The VAT number is the same number with BE in front: BE 0459.958.855.
- Where is CEMA based?
- The registered office is at Aarschotsebaan 241, 2590 Berlaar.Company details
- What does CEMA do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of CEMA?
- CEMA is a private limited company (BV).
- When was CEMA founded?
- CEMA was founded on 31-01-1997.
- Is CEMA still active?
- Yes, CEMA is an active enterprise in the KBO register.
- How many employees does CEMA have?
- CEMA had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does CEMA fall under?
- In its 2022 annual accounts, CEMA states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of CEMA?
- The turnover in financial year 2025 is ≈ €10,000. This figure is estimated from the gross margin of €1,484 and 2,728 comparable companies of the same size. It probably lies between €4,200 and €25,000. It is a rough estimate.
- Is CEMA profitable?
- In financial year 2025, CEMA made a profit of €993.
- Where can I find the annual accounts of CEMA?
- CEMA filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CEMA due?
- CEMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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