CEMAB
ActiveThe computed 12-month bankruptcy probability of CEMAB is 1.8% (moderate). The 2025 annual accounts show equity of €140k and a net result of €68k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 13009 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
89
/ 100
Excellent▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+33
Solvency71▼-23
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.84 in 2024), and 59.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.8%
Return on assets
19.9%
Age of the figures
11 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
3 d early
2023
1 d early
2022
on the day
2021
1 d early
2020
1 d early
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 95.5%
2024 · €72k
2018: €65k
2019: €76k
2020: €78k
2021: €87k
2022: €86k
2023: €85k
2024: €72k
2018 → 2025
Total assets
€344k▲ 183%
2024 · €122k
2018: €89k
2019: €99k
2020: €128k
2021: €126k
2022: €131k
2023: €116k
2024: €122k
2018 → 2025
Net result
€68k▲ 614%
2024 · €10k
2018: €13k
2019: €11k
2020: €3k
2021: €8k
2022: €-591
2023: €-611
2024: €10k
2018 → 2025
Working capital
€66k▲ 58.7%
2024 · €42k
2018: €43k
2019: €58k
2020: €58k
2021: €65k
2022: €68k
2023: €71k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€86k▼ 0.7%€85k▼ 0.7%€72k▼ 16.0%€140k▲ 95.5%
Operating result€9k-€-905€-2k▼ 109%€11k€105k▲ 832%
Net result€8k-€-591€-611▼ 3.3%€10k€68k▲ 614%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 832% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €344k
Fixed assets
€89k▲ 195%
Current assets
€255k▲ 179%
Equity and liabilities €344k
Equity
€140k▲ 95.5%
Debt
€204k▲ 309%
The debt ratio rises from 41.0% to 59.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€135k▲
2024 · €25k
Cash flow
€99k▲
2024 · €24k
Solvency
40.8%▼
2024 · 59.0%
Current ratio
1.35▼
2024 · 1.84
Quick ratio
1.31▼
2024 · 1.74
Debt / equity
1.45▲
2024 · 0.69
ROE
48.8%▲
2024 · 13.4%
ROA
19.9%▲
2024 · 7.9%
Interest coverage
15.50▼
2024 · 63.90
Debt
€204k▲
2024 · €50k
Debt ≤ 1 year
€189k▲
2024 · €50k
Debt > 1 year
€15k
Income taxes
€28k▲
2024 · €3k
Staff costs
€57k▲
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€122k€344k▲
Fixed assets21/28€30k€89k▲
Intangible fixed assets21-€22k
Tangible fixed assets22/27€30k€66k▲
Plant, machinery and equipment23€23k€24k▲
Furniture and vehicles24€1k€35k▲
Leasing and similar rights25-€4k
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€50€50=
Current assets29/58€91k€255k▲
Stocks and contracts in progress3€5k€8k▲
Stocks30/36€5k€8k▲
Amounts receivable within one year40/41€26k€160k▲
Trade receivables40€5k€158k▲
Other amounts receivable41€21k€1k▼
Cash at bank and in hand54/58€59k€86k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€122k€344k▲
Equity10/15€72k€140k▲
Contributions10/11€19k€19k=
Reserves13€53k€122k▲
Distributable reserves133€53k€122k▲
Amounts payable17/49€50k€204k▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€50k€189k▲
Current portion of amounts payable after more than one year42€8k€6k▼
Trade debts44€35k€134k▲
Suppliers440/4€35k€134k▲
Advances received on contracts in progress46€4k€4k=
Taxes, remuneration and social security45€3k€44k▲
Taxes450/3€2k€43k▲
Remuneration and social security454/9€642€466▼
Other amounts payable47/48-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€3k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€31k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€2k€118▼
Gross operating margin9900€31k€194k▲
Operating profit (loss)9901€11k€105k▲
Financial income75/76B€2k€521▼
Recurring financial income75€2k€521▼
Financial charges65/66B€400€9k▲
Recurring financial charges65€394€9k▲
Non-recurring financial charges66B€6-
Profit (loss) for the period before taxes9903€12k€96k▲
Income taxes67/77€3k€28k▲
Profit (loss) for the period9904€10k€68k▲
Profit (loss) for the period to be appropriated9905€10k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€68k▲
Transfer from equity791/2€23k-
Transfer to equity691/2€10k€68k▲
To other reserves6921€10k€68k▲
Profit to be distributed694/7€23k-
Return on contributions (dividend)694€23k-
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €68k ▲614%
Operating result €105k, net result €68k, both a record.
30-09
Financial
Equity above €100kEq €140k ▲95.5%
2 profitable years in a row build equity to €140k.
27-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-611
Net result drops to €-611, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
BASCOUR Marc-Antoine
CurrentDirector · since 20-12-2023
GAILLY Céline Anne Michèle
CurrentDirector · since 20-12-2023
20-12-2023
BASCOUR Marc-Antoine: Appointed as Director
20-12-2023
GAILLY Céline Anne Michèle: Appointed as Director
Location & real-estate footprint
Registered office, Jemeppe-sur-Sambre · 2 establishment units since 2010
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 Brulé 815190 Jemeppe-sur-SambreGround area
6,606 m²
Building footprint
268 m²
Volume, LiDAR
641 m³
3 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Ranch Burger
since 20102.188.459.263
Cemab
since 20242.365.371.229
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098E0310/00D000indicative | Wallonia | 3,685 m² | - | - |
| 92068C0361/00G000 | Wallonia | 2,168 m² | 1 · 179 m² | - |
| 25098G0034/00D000 | Wallonia | 753 m² | 1 · 89 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HART BUSINESS CONSULTANCY
BE 0471.342.103
Hoogstraten · Eq €140k
Woest
BE 0670.499.236
Gent · Eq €140k
Grote
BE 0862.404.630
Stekene · Eq €140k
ERDECEE
BE 0457.414.584
Maldegem · Eq €140k
POIVRE ET SEL CONCEPT
BE 0825.052.306
Ans · Eq €140k
Of 21,636 companies in sector 56112 we hold annual accounts for 9,660. 7,288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2010
Fiscal year end30-09
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.