Cemento
ActiveThe computed 12-month bankruptcy probability of Cemento is 2.5% (moderate). The 2025 annual accounts show equity of €41k and a net result of €-877. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 27358 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-70
Solvency24▼-76
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 27.01 in 2024), and 84.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.8%
Return on assets
-0.3%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27358 sector peers (2025).
NBB · sector comparisonPosition among 27358 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
50 d early
2023
59 d late
2022
87 d late
2021
59 d late
2020
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 60.0%
2024 · €101k
2020: €76k
2021: €80k
2022: €85k
2023: €87k
2024: €101k
2020 → 2025
Total assets
€256k▲ 144%
2024 · €105k
2020: €212k
2021: €180k
2022: €138k
2023: €109k
2024: €105k
2020 → 2025
Net result
€-877
2024 · €14k
2020: €-24k
2021: €5k
2022: €4k
2023: €3k
2024: €14k
2020 → 2025
Working capital
€19k▼ 81.0%
2024 · €100k
2020: €66k
2021: €76k
2022: €77k
2023: €71k
2024: €100k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€85k▲ 5.1%€87k▲ 3.2%€101k▲ 16.2%€41k▼ 60.0%
Operating result€6k-€5k▼ 12.5%€3k▼ 35.4%€14k▲ 358%€-739
Net result€5k-€4k▼ 9.6%€3k▼ 34.2%€14k▲ 422%€-877
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €739 after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€22k▲ 1,695%
Current assets
€235k▲ 126%
Equity and liabilities €256k
Equity
€41k▼ 60.0%
Debt
€216k▲ 5,503%
The debt ratio rises from 3.7% to 84.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€3k▼
2024 · €33k
Cash flow
€2k▼
2024 · €33k
Solvency
15.8%▼
2024 · 96.3%
Current ratio
1.09▼
2024 · 27.01
Quick ratio
1.09▼
2024 · 27.01
Debt / equity
5.32▲
2024 · 0.04
ROE
-2.2%▼
2024 · 13.9%
ROA
-0.3%▼
2024 · 13.4%
Interest coverage
33.60▼
2024 · 193.84
Debt
€216k▲
2024 · €4k
Debt ≤ 1 year
€216k▲
2024 · €4k
Income taxes
€61
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€105k€256k▲
Fixed assets21/28€1k€22k▲
Tangible fixed assets22/27-€21k
Plant, machinery and equipment23-€3k
Furniture and vehicles24-€18k
Financial fixed assets28€1k€100▼
Current assets29/58€104k€235k▲
Amounts receivable within one year40/41€84k€231k▲
Trade receivables40€84k€134k▲
Other amounts receivable41€23€97k▲
Cash at bank and in hand54/58€20k€3k▼
Deferred charges and accrued income490/1-€713
Equity and liabilities
Total equity and liabilities10/49€105k€256k▲
Equity10/15€101k€41k▼
Contributions10/11€100k€10k▼
Reserves13-€31k
Distributable reserves133-€31k
Profit (loss) carried forward14€1k€0▼
Amounts payable17/49€4k€216k▲
Amounts payable within one year42/48€4k€216k▲
Current portion of amounts payable after more than one year42€2k-
Financial debts43-€16k
Credit institutions430/8-€16k
Trade debts44€2k€106k▲
Suppliers440/4€2k€106k▲
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Other amounts payable47/48-€89k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€77k
Other operating charges640/8€187€187=
Non-recurring operating charges66A-€411
Gross operating margin9900€33k€81k▲
Operating profit (loss)9901€14k€-739▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€169€78▼
Recurring financial charges65€169€78▼
Profit (loss) for the period before taxes9903€14k€-816▼
Income taxes67/77-€61
Profit (loss) for the period9904€14k€-877▼
Profit (loss) for the period to be appropriated9905€14k€-877▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€31k▲
Profit (loss) brought forward from the previous period14P€-13k€31k▲
Transfer to equity691/2-€31k
To other reserves6921-€31k
The notes to these accounts (12 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Highest result since 2020net €14k ▲422%
Operating result €14k, net result €14k, both a record.
30-06
Financial
Liquidity times 6current ratio 27.01
Current ratio from 4.67 to 27.01; short-term debt falls from €19k to €4k.
30-06
Financial
Equity above €100kEq €101k ▲16.2%
4 profitable years in a row build equity to €101k.
30-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 59 days late
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 87 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 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 2025
D'hONDT, Jeroen Johanna Peter
CurrentDirector · since 05-02-2025
05-02-2025
D'hONDT, Jeroen Johanna Peter: Appointed as Director
01-11-2022
Jeroen D'Hondt: Resigned as Director
Location & real-estate footprint
Registered office, Brakel · 1 establishment unit since 2019
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.
Keiweg 109660 BrakelGround area
306 m²
Building footprint
108 m²
Volume, LiDAR
453 m³
Parcel 45056A0291/00G000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Cemento
since 20192.290.932.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45056A0291/00G000 | Flanders | 306 m² | 1 · 108 m² | 7.0 m · 1 fl. |
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.
Similar companies · same sector, comparable size
INTERACTIV GROUP
BE 0690.783.619
Sint-Jans-Molenbeek · Eq €41k
CRV CONCEPT
BE 0779.321.358
Gembloux · Eq €41k
Art & Stone
BE 0878.942.338
Antwerpen · Eq €41k
PINGU CONSTRUCT
BE 0793.657.958
Zaventem · Eq €41k
GYPROJECT
BE 0607.919.784
Sint-Jans-Molenbeek · Eq €41k
Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 5,891 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2019
Fiscal year end30-06
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
23660Manufacture of other non-metallic mineral products
23690Manufacture of other non-metallic mineral products
23700Cutting, shaping and finishing of stone
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0497582020