CEMEON 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 €213k and a net result of €20k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 38% of 8013 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
32 d early
2023
19 d early
2022
42 d early
2021
40 d early
2020
41 d early
2019
39 d early
← 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€213k▲ 10.5%
2024 · €193k
2019: €116k
2020: €131k
2021: €136k
2022: €156k
2023: €178k
2024: €193k
2019 → 2025
Net result
€20k▲ 40.9%
2024 · €14k
2019: €50k
2020: €15k
2021: €5k
2022: €21k
2023: €22k
2024: €14k
2019 → 2025
Total assets
€574k▼ 2.0%
2024 · €585k
2019: €676k
2020: €682k
2021: €650k
2022: €629k
2023: €601k
2024: €585k
2019 → 2025
Solvency
37.1%▲ 4.2pp
2024 · 32.9%
2019: 17.2%
2020: 19.3%
2021: 20.9%
2022: 24.8%
2023: 29.6%
2024: 32.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€156k▲ 14.7%€178k▲ 14.2%€193k▲ 8.1%€213k▲ 10.5%
Operating result€9k-€33k▲ 259%€40k▲ 20.9%€37k▼ 7.5%€41k▲ 9.0%
Net result€5k-€21k▲ 351%€22k▲ 4.6%€14k▼ 34.8%€20k▲ 40.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €574k
Fixed assets
€551k▼ 3.4%
Current assets
€23k▲ 53.9%
Equity and liabilities €574k
Equity
€213k▲ 10.5%
Debt
€361k▼ 8.1%
The debt ratio falls from 67.1% to 62.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
37.1%▲
2024 · 32.9%
ROE
9.5%▲
2024 · 7.5%
ROA
3.5%▲
2024 · 2.5%
Debt
€361k▼
2024 · €393k
Debt ≤ 1 year
€98k▲
2024 · €85k
Debt > 1 year
€260k▼
2024 · €305k
Income taxes
€8k▲
2024 · €6k
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€585k€574k▼
Fixed assets21/28€571k€551k▼
Tangible fixed assets22/27€571k€551k▼
Land and buildings22€571k€551k▼
Current assets29/58€15k€23k▲
Amounts receivable within one year40/41€14k€17k▲
Trade receivables40€14k€17k▲
Cash at bank and in hand54/58€771€5k▲
Equity and liabilities
Total equity and liabilities10/49€585k€574k▼
Equity10/15€193k€213k▲
Contributions10/11€6k€6k=
Reserves13€63k€83k▲
Distributable reserves133€63k€83k▲
Profit (loss) carried forward14€123k€123k=
Amounts payable17/49€393k€361k▼
Amounts payable after more than one year17€305k€260k▼
Financial debts170/4€305k€260k▼
Amounts payable within one year42/48€85k€98k▲
Current portion of amounts payable after more than one year42€67k€66k▼
Trade debts44€11k€18k▲
Suppliers440/4€11k€18k▲
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€66k€70k▲
Operating profit (loss)9901€37k€41k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€17k€12k▼
Recurring financial charges65€17k€12k▼
Profit (loss) for the period before taxes9903€20k€29k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€14k€20k▲
Profit (loss) for the period to be appropriated9905€14k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€144k▲
Profit (loss) brought forward from the previous period14P€123k€123k=
Transfer to equity691/2€14k€20k▲
To other reserves6921€14k€20k▲
The notes to these accounts (8 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €200kEq €213k ▲10.5%
7 profitable years in a row build equity to €213k.
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €150kEq €156k ▲14.7%
4 profitable years in a row build equity to €156k.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €5k ▼69.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gavere · 1 establishment unit since 2014
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.
Nijverheidsstraat 43A9890 GavereGround area
4,737 m²
Building footprint
2,691 m²
Volume, LiDAR
24,075 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cemeon
since 20142.237.753.574
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1211/00T002 | Flanders | 4,114 m² | 1 · 2,539 m² | 11.2 m · 3 fl. |
| 44016B1213/00B000 | Flanders | 623 m² | 1 · 152 m² | 8.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SAVAN
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ORELIA GERMANY
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PATRICK SMESSAERT
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.