CenD Interieur

Active

Private limited companyfounded 20205 yrs activeJan Frans Willemsstraat 5, 9240 Zele, BelgiumKBO/BCE: BE 0758.832.978

The computed 12-month bankruptcy probability of CenD Interieur is 3.2% (moderate). The 2024 annual accounts show equity of €26k and a net result of €-6k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 36376 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

57 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability56▼-20

Solvency71▲+4

Growth52=

Track record94

Bankruptcy probability, 12 months

3.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.34 against 1.62 in 2023; short-term debt: 33% and cash: 27% of total assets), and 54.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2024

Solvency, return and age of the figures

Solvency

45.7%

Return on assets

-9.9%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

36 d early

2023

37 d early

2022

34 d early

2021

36 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€26k▼ 17.8%

2023 · €31k

2021: €15k 2022: €30k 2023: €31k

2021 → 2024

Total assets

€56k▼ 24.5%

2023 · €74k

2021: €56k 2022: €87k 2023: €74k

2021 → 2024

Net result

€-6k

2023 · €4k

2021: €9k 2022: €16k 2023: €4k

2021 → 2024

Working capital

€6k▼ 49.0%

2023 · €12k

2021: €20k 2022: €11k 2023: €12k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€15k-€30k▲ 107%€31k▲ 3.1%€26k▼ 17.8%

Operating result€12k-€19k▲ 53.6%€8k▼ 56.6%€-4k

Net result€9k-€16k▲ 83.0%€4k▼ 72.8%€-6k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €4k after €8k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €56k

55.8%

44.2%

Fixed assets €31k▼ 25.8%

Current assets €25k▼ 22.8%

Equity and liabilities €56k

45.7%

54.3%

Equity €26k▼ 17.8%

Debt €30k▼ 29.3%

The debt ratio falls from 58.0% to 54.3%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€6k▼

2023 · €19k

Cash flow

€5k▼

2023 · €15k

Solvency

45.7%▲

2023 · 42.0%

Current ratio

1.34▼

2023 · 1.62

Quick ratio

1.34▼

2023 · 1.62

Debt / equity

1.19▼

2023 · 1.38

ROE

-21.6%▼

2023 · 13.7%

ROA

-9.9%▼

2023 · 5.7%

Interest coverage

6.16▼

2023 · 13.82

Debt

€30k▼

2023 · €43k

Debt ≤ 1 year

€18k▼

2023 · €20k

Debt > 1 year

€12k▼

2023 · €23k

Income taxes

€28▼

2023 · €3k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€74k€56k▼

Fixed assets21/28€42k€31k▼

Tangible fixed assets22/27€38k€27k▼

Furniture and vehicles24€38k€27k▼

Financial fixed assets28€4k€4k=

Current assets29/58€32k€25k▼

Amounts receivable within one year40/41€15k€10k▼

Trade receivables40€11k€3k▼

Other amounts receivable41€4k€7k▲

Cash at bank and in hand54/58€17k€15k▼

Equity and liabilities

Total equity and liabilities10/49€74k€56k▼

Equity10/15€31k€26k▼

Contributions10/11€6k€6k=

Reserves13€25k€20k▼

Distributable reserves133€25k€20k▼

Amounts payable17/49€43k€30k▼

Amounts payable after more than one year17€23k€12k▼

Financial debts170/4€23k€12k▼

Amounts payable within one year42/48€20k€18k▼

Current portion of amounts payable after more than one year42€11k€11k=

Trade debts44€3k€4k▲

Suppliers440/4€3k€4k▲

Taxes, remuneration and social security45€666-

Taxes450/3€666-

Other amounts payable47/48€5k€4k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼

Other operating charges640/8€760€931▲

Gross operating margin9900€20k€7k▼

Operating profit (loss)9901€8k€-4k▼

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€7k€-5k▼

Income taxes67/77€3k€28▼

Profit (loss) for the period9904€4k€-6k▼

Profit (loss) for the period to be appropriated9905€4k€-6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€-6k▼

Transfer from equity791/2-€6k

Transfer to equity691/2€920-

To other reserves6921€920-

Profit to be distributed694/7€3k-

Return on contributions (dividend)694€3k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

25-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-6k ▼230%

Net result drops to €-6k, the lowest in the series.

24-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2021net €16k ▲83%

Operating result €19k, net result €16k, both a record.

25-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Zele · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Jan Frans Willemsstraat 59240 Zele

Ground area

437 m²

Building footprint

111 m²

Volume, LiDAR

609 m³

Parcel 42402C0097/00K002, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

CenD Interieur

Jan Frans Willemsstraat 5, 9240 ZeleDemolition

since 20202.310.141.805

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42402C0097/00K002	Flanders	437 m²	1 · 111 m²	7.8 m · 2 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

GEVELRESTAURATIE VANDORPE

Chaudfontaine · Eq €26k

Merelbeke-Melle · Eq €26k

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,510 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-11-2020

Fiscal year end31-12

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

43110Demolition

43211General electrical installation work

43221Plumbing work

43320Joinery installation

43341Painting of buildings

46130Agents in the wholesale of timber and building materials

46831Wholesale of construction materials, general range

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.