Investments
Green is investment, beige is depreciation. Machinery stands 1821.9% higher than in 2024.
Green is investment, beige is depreciation. Machinery stands 1821.9% higher than in 2024.
Short-term debts fell from €42,558 to €14,659.
Ten of the last ten came late. The 2020 accounts came latest: 181 days after the end of the period.
In July 2024, 31,386 companies had the same profile as CEPHIL has now. Each dot stands for 79 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,386 companies, not a prediction for CEPHIL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| CEPHIL Châtelet | €2.3m | 1.2% | 64.0% | - |
| EMIEMA Quiévrain | - | - | 27.2% | - |
| HORBO Rumst | - | - | -144.8% | - |
| CORTEN Lille | - | - | -133.0% | - |
| SUPREME ENERGY Rumst | €0.5m | 0.0% | -24.6% | - |
| COGAR Ecaussinnes | - | - | 27.0% | - |
| MICHIELSEN@WORK Brasschaat | - | - | 47.4% | - |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as CEPHIL: retail sale of automotive fuel (NACE 47300). They are comparable in size and age: total assets between €48,500 and €75,500, founded between 1988 and 2009.
Solvency rose in 2025 from 2.8% to 64.0% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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