CEMPRE IMMO

Active

Cooperative companyfounded 20241 yr activeAvenue des Dessus de Lives(LO) 2, 5101 Namur, BelgiumKBO/BCE: BE 1016.469.037

Summary

CEMPRE IMMO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178,536 and a net result of -€144,884. Its solvency ranks better than 34% of 2736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch Report Compare

CEMPRE IMMOActiveChecked score 78/100

Risk analysis Report Compare

Activity

Office administrative and support services

NACE 82100NACE 82110

2 sites

Size

€739,719total assets 2025

Equity: €178,536
Loss: -€144,884

Turnover not published (abridged schema)

Financial health

78 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Largest shareholder: SOCIETE DE RECHERCHE EN INFORMATIQUE MEDICALE · 50%

Accounts filed 28 d late0 of 1 deed read

Why 78- Liquidity: current ratio 0.04, cash €3,810- Loss of €144,884 (FY 2025)+ Size: total assets €739,719+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2025

78 / 100

Excellent

Probability in this band: under 0.55%

Better than 15% of its sector peers (NACE 82, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 49

equity 24.1% of total assets

Liquidity 13

short-term debt 69.9% · cash 0.5%

Profitability 0

return on assets -19.6%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,603 companies)

Last 24 months 12-2025: 0.8% 01-2026: 0.8%● 0.0% vs 12-2025 02-2026: 0.8%▲ +3.0% vs 01-2026 03-2026: 0.8%▲ +3.3% vs 02-2026 04-2026: 0.9%▲ +5.9% vs 03-2026 05-2026: 1.0%▲ +11.2% vs 04-2026 06-2026: 1.0%● 0.0% vs 05-2026 07-2026: 1.1%▲ +11.7% vs 06-2026highest value 08-2026: 1.1%▼ -1.6% vs 07-2026 09-2026: 0.5%▼ -56.6% vs 08-2026 10-2026: 0.5%▼ -0.6% vs 09-2026lowest value

Size: total assets €739,719 lowers the probability for this profile
Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Liquidity: current ratio 0.04, cash €3,810 raises the probability
Loss of €144,884 (FY 2025) raises the probability

Credit up to €13,000 at 30 days only on tighter terms

Liquidity short (current ratio 0.04; short-term debt: 69.9% and cash: 0.5% of total assets), and 75.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 31%, liquidity 8%, profitability 5%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €739,719

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Sector Office administrative, office support and other business support activities (NACE 82)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 0.04, cash €3,810

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Loss of €144,884 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filing

Deviation from the deadline

2025

28 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

28-08-26 Annual accounts filedfiscal year 2025 · abbreviated…

Key points

Caution: Among the weakest 5% on net resultsector median €21,233 · 2,738 companies -€144,884 View
Total assets 2025first fiscal year filed €739,719 View
Active since 2024founded 21-11-2024 1 years View