Cemper
ActiveCemper has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €728k and a net result of €161k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← 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
82%
Return on assets
18.1%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
33 d early
2022
35 d late
2021
23 d late
2020
2 d early
2019
66 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€366▲ 129%
2024 · €160
2021: €1k
2022: €620
2023: €696
2024: €160
2021 → 2025
EBIT margin
43806.8%▼ 33735.0pp
2024 · 77541.9%
2021: 3347.2%
2022: 13068.4%
2023: -3194.4%
2024: 77541.9%
2021 → 2025
Net result
€161k▲ 29.4%
2024 · €124k
2018: €-2
2019: €-37k
2020: €123k
2021: €49k
2022: €81k
2023: €-22k
2024: €124k
2018 → 2025
Working capital
€755k▲ 26.4%
2024 · €597k
2018: €248k
2019: €209k
2020: €332k
2021: €383k
2022: €527k
2023: €497k
2024: €597k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1k-€620▼ 57.9%€696▲ 12.3%€160▼ 77.0%€366▲ 129%
Equity€384k-€465k▲ 21.0%€443k▼ 4.8%€567k▲ 28.1%€728k▲ 28.4%
Operating result€49k-€81k▲ 64.2%€-22k€124k€160k▲ 29.2%
Net result€49k-€81k▲ 64.5%€-22k€124k€161k▲ 29.4%
Turnover and EBIT margin not published: the abbreviated 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 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €888k
Fixed assets
€1k▲ 0.4%
Current assets
€887k▲ 18.5%
Equity and liabilities €888k
Equity
€728k▲ 28.4%
Provisions
€316=
Debt
€160k▼ 12.4%
The debt ratio falls from 24.3% to 18.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
82.0%▲
2024 · 75.7%
Current ratio
6.74▲
2024 · 4.96
Quick ratio
6.74▲
2024 · 4.96
Debt / equity
0.22▼
2024 · 0.32
ROE
22.1%▲
2024 · 21.9%
ROA
18.1%▲
2024 · 16.6%
Debt
€160k▼
2024 · €182k
Debt ≤ 1 year
€132k▼
2024 · €151k
Staff costs
€832k▼
2024 · €835k
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€750k€888k▲
Fixed assets21/28€1k€1k▲
Financial fixed assets28€1k€1k▲
Other financial fixed assets284/8€1k€1k▲
Amounts receivable and cash guarantees285/8€1k€1k▲
Current assets29/58€748k€887k▲
Amounts receivable within one year40/41€96k€102k▲
Trade receivables40-€350
Other amounts receivable41€96k€102k▲
Current investments50/53€176k€176k▲
Cash at bank and in hand54/58€474k€608k▲
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€750k€888k▲
Equity10/15€567k€728k▲
Contributions10/11€189k€189k=
Capital10€189k€189k=
Reserves13€100k€261k▲
Profit (loss) carried forward14€278k€278k=
Provisions and deferred taxes16€316€316=
Provisions for liabilities and charges160/5€316€316=
Other liabilities and charges164/5€316€316=
Amounts payable17/49€182k€160k▼
Amounts payable within one year42/48€151k€132k▼
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Taxes, remuneration and social security45€138k€123k▼
Taxes450/3€23k€24k▲
Remuneration and social security454/9€116k€99k▼
Accrued charges and deferred income492/3€31k€28k▼
Income statement
Code20242025
Operating income70/76A€1.06M€1.06M▲
Turnover70€160€366▲
Other operating income74€28k€471▼
Non-recurring operating income76A€374€477▲
Operating charges60/66A€934k€904k▼
Services and other goods61€99k€71k▼
Remuneration, social security and pensions62€835k€832k▼
Other operating charges640/8€226€167▼
Non-recurring operating charges66A-€902
Operating profit (loss)9901€124k€160k▲
Financial income75/76B€567€906▲
Recurring financial income75€567€906▲
Income from current assets751-€682
Other financial income752/9€567€224▼
Financial charges65/66B€223€239▲
Recurring financial charges65€223€239▲
Other financial charges652/9€223€239▲
Profit (loss) for the period before taxes9903€124k€161k▲
Profit (loss) for the period9904€124k€161k▲
Profit (loss) for the period to be appropriated9905€124k€161k▲
Appropriation of the result
Profit (loss) to be appropriated9906€278k€439k▲
Profit (loss) brought forward from the previous period14P€154k€278k▲
To contributions691-€161k
Social balance
Average headcount (FTE)908710.810.6▼
The notes to these accounts (22 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €161k ▲29.4%
Net result €161k, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €124k
Net result €124k after one loss-making year.
31-12
Financial
Equity above €500kEq €567k ▲28.1%
Equity rises from €443k to €567k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 35 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €123k
Net result €123k after 2 loss-making years.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
24-12-2025
Sigrid Bosmans: Resigned as Director
12-12-2024
Joanna Van der Heyden: Resigned as Director
12-12-2024
Michel Vanholder: Resigned as Director
11-07-2023
Jan Van Goethem: Resigned as Director
27-10-2022
Veerle Wallebroek: Resigned as Director
30-04-2021
Maarten Beirens: Resigned as Director
30-04-2021
Patrick Allegaert: Resigned as Director
05-03-2020
Leen van Dijck: Resigned as Director
05-03-2020
Lien Verwaeren: Resigned as Director
Location & real-estate footprint
Registered office, Mechelen · 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.
Onder-den-Toren 122800 MechelenGround area
1,617 m²
Building footprint
817 m²
Volume, LiDAR
7,536 m³
Parcel 12025E1139/00A000, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Centrum voor het cultureel erfgoed van muziek en podiumkunsten in Vlaanderen en Brussel Vzw
since 20192.281.707.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025E1139/00A000 | Flanders | 1,617 m² | 1 · 817 m² | 14.6 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 22 entries · 3,650,889 EUR awarded · 3,557,946 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 5 | 1,034,208 EUR | 1,027,991 EUR |
| 2024 | 7 | 1,010,219 EUR | 1,033,214 EUR |
| 2023 | 6 | 816,048 EUR | 830,726 EUR |
| 2022 | 4 | 790,414 EUR | 666,015 EUR |
Schemes
Roerend cultureel erfgoed: Werkingssubsidie voor een collectiebeherende organisatie (Cultureelerfgoeddecreet 2021)
Roerend cultureel erfgoed: Werkingssubsidie voor een dienstverlenende rol op landelijk niveau (Cultureelerfgoeddecreet 2021)
Roerend cultureel erfgoed: Werkingssubsidie voor een cultureelerfgoedconvenant (Cultureelerfgoeddecreet 2017)
Roerend cultureel erfgoed: Werkingssubsidie voor een collectiebeherende organisatie (Cultureelerfgoeddecreet 2017)
Cultuur: Tewerkstellingssubsidie voor een organisatie in het culturele veld volgens de Vlaamse Intersectorale Akkoorden (VIA) (Decreet Vlaamse Intersectorale Akkoorden 2004)
Show 5 more
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Roerend cultureel erfgoed: Tussenkomst in de kosten voor deelname aan een internationale uitwisseling (Cultureelerfgoeddecreet 2021)
Vlaams opleidingsverlof (VOV)
Roerend cultureel erfgoed: Tussenkomst in de kosten voor deelname aan een internationale uitwisseling (Cultureelerfgoeddecreet 2017)
Cultuur: Tussenkomst in de energiekosten van een culturele organisatie met een werkingssubsidie (Uitgavendecreet)
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Of 3,133 companies in sector 94999 we hold annual accounts for 707. 500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded23-10-2017
Fiscal year end31-12
Activities, NACEBEL
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.