CEMIL 23
ActiveThe computed 12-month bankruptcy probability of CEMIL 23 is 4.9% (elevated). The 2024 annual accounts show equity of €33k and a net result of €21k. Its solvency ranks better than 43% of 18938 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency33
Growth-
Stability79
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.19), and 78.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
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 · 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 2024Solvency, return and age of the figures
Solvency
21.6%
Return on assets
14%
Age of the figures
23 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 26-06-2025, 57 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
2024
57 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k
Total assets
€153k
Net result
€21k
Working capital
€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €153k
Fixed assets
€11k
Current assets
€142k
Equity and liabilities €153k
Equity
€33k
Debt
€120k
Debt finances 78.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€27k
Cash flow
€22k
Solvency
21.6%
Current ratio
1.19
Quick ratio
1.01
Debt / equity
3.62
ROE
64.6%
ROA
14.0%
Interest coverage
467.69
Debt
€120k
Debt ≤ 1 year
€120k
Income taxes
€5k
Staff costs
€38k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€153k
Fixed assets21/28€11k
Tangible fixed assets22/27€11k
Plant, machinery and equipment23€2k
Furniture and vehicles24€8k
Current assets29/58€142k
Stocks and contracts in progress3€21k
Stocks30/36€21k
Amounts receivable within one year40/41€83k
Trade receivables40€78k
Other amounts receivable41€5k
Cash at bank and in hand54/58€38k
Deferred charges and accrued income490/1€24
Equity and liabilities
Total equity and liabilities10/49€153k
Equity10/15€33k
Contributions10/11€1
Profit (loss) carried forward14€33k
Amounts payable17/49€120k
Amounts payable within one year42/48€120k
Trade debts44€46k
Suppliers440/4€46k
Taxes, remuneration and social security45€31k
Taxes450/3€10k
Remuneration and social security454/9€22k
Other amounts payable47/48€43k
Income statement
Code2024
Remuneration, social security and pensions62€38k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181
Other operating charges640/8€3k
Gross operating margin9900€68k
Operating profit (loss)9901€27k
Financial charges65/66B€58
Recurring financial charges65€58
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€5k
Profit (loss) for the period9904€21k
Profit (loss) for the period to be appropriated9905€21k
Appropriation of the result
Profit (loss) to be appropriated9906€33k
Profit (loss) brought forward from the previous period14P€12k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2022
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.
De Gryspeerstraat 12100 AntwerpenGround area
176 m²
Building footprint
165 m²
Volume, LiDAR
1,478 m³
Parcel 11343A0599/00Z012, Flanders · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Cemil 23
since 20222.336.302.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11343A0599/00Z012 | Flanders | 176 m² | 1 · 165 m² | 12.4 m · 4 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
BOCADIO
BE 0537.559.944
Dilbeek · Eq €33k
DP Lier
BE 1007.813.469
Lier · Eq €33k
AL REDA
BE 1004.025.125
Asse · Eq €33k
DE LOOISE SNACKCAR
BE 0452.601.703
Tessenderlo-Ham · Eq €33k
MADYAR
BE 1005.816.655
Sint-Gillis (bij-Brussel) · Eq €33k
Of 21,636 companies in sector 56112 we hold annual accounts for 9,660. 8,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2022
Fiscal year end30-09
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.