CEPHIL
ActiveSummary
CEPHIL has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,064 and a net result of €24,818. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+69
Solvency89▲+61
Growth51▲+18
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.66 in 2024; short-term debt: 36% and cash: 35.4% of total assets), and 36% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
64%
Return on assets
60.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €26,064
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 10 filingsDeviation from the deadline
2025
53 d late
2024
77 d late
2023
61 d late
2022
23 d late
2021
26 d late
2020
181 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 75 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Turnover
€2.3m▲ 5.0%
2024 · €2.2m
EBIT margin
1.2%▲ 2.0pp
2024 · -0.8%
Net result
€24,818
2024 · -€18,805
Working capital
€2,005
2024 · -€14,498
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.1m▲ 29.9%€2.2m▲ 7.2%€2.2m▼ 0.7%€2.2m▲ 1.2%€2.3m▲ 5.0%
Operating result€13,209€7,082▼ 46.4%€5,555▼ 21.6%-€18,274€28,303
Net result€11,879€3,827▼ 67.8%€1,938▼ 49.4%-€18,805€24,818
EBIT margin0.6%▲ 2.3pp0.3%▼ 0.3pp0.3%▼ 0.1pp-0.8%▼ 1.1pp1.2%▲ 2.0pp
Equity€14,376▲ 476%€18,203▲ 26.6%€20,142▲ 10.6%€1,246▼ 93.8%€26,064▲ 1,991%
Total assets€32,609▼ 12.6%€24,036▼ 26.3%€32,926▲ 37.0%€43,804▲ 33.0%€40,723▼ 7.0%
Debt€18,233▼ 47.6%€5,833▼ 68.0%€12,784▲ 119%€42,558▲ 233%€14,659▼ 65.6%
Working capital€12,728€18,091▲ 42.1%-€978-€14,498▼ 1,382%€2,005
Staff (FTE)1.5=1.5=
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €28,303 after a loss of €18,274 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40,723
Fixed assets
€24,060 ▲ 52.8%
Current assets
€16,664 ▼ 40.6%
Equity and liabilities €40,723
Equity
€26,064 ▲ 1,991%
Debt
€14,659 ▼ 65.6%
Debt's share of the balance-sheet total falls from 97.2% to 36.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34,974▲
2024 · -€12,899
Cash flow
€31,489▲
2024 · -€13,430
Current ratio
1.14▲
2024 · 0.66
Quick ratio
1.02▲
2024 · 0.61
Debt to equity
0.56▼
2024 · 34.14
ROE
95.2%
ROA
60.9%▲
2024 · -42.9%
Interest coverage
70.67▲
2024 · -34.44
Debt ≤ 1 year
€14,659▼
2024 · €42,558
Income taxes
€2,990▲
2024 · €156
Staff costs
€39,495▲
2024 · €35,869
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2.1m | €2.2m | €2.2m | €2.2m | €2.3m | ▲ 5.0% |
| Goods, raw materials, services and sundry goods60/61 | €2.0m | €2.2m | €2.2m | €2.2m | €2.3m | ▲ 2.7% |
| Remuneration, social security and pensions62 | €34,563 | €31,121 | €30,629 | €35,869 | €39,495 | ▲ 10.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,891 | €1,536 | €5,317 | €5,376 | €6,671 | ▲ 24.1% |
| Gross operating margin9900 | €49,663 | €39,739 | €41,501 | €22,970 | €74,468 | ▲ 224% |
| Operating profit (loss)9901 | €13,209 | €7,082 | €5,555 | -€18,274 | €28,303 | ▲ 255% |
| Financial charges65/66B | €1,173 | €1,704 | €1,243 | €375 | €495 | ▲ 32.1% |
| Recurring financial charges65 | €1,173 | €1,704 | €1,243 | €375 | €495 | ▲ 32.1% |
| Profit (loss) for the period before taxes9903 | €12,036 | €5,379 | €4,313 | -€18,649 | €27,808 | ▲ 249% |
| Income taxes67/77 | €158 | €1,552 | €2,374 | €156 | €2,990 | ▲ 1,813% |
| Profit (loss) for the period9904 | €11,879 | €3,827 | €1,938 | -€18,805 | €24,818 | ▲ 232% |
| Profit (loss) for the period to be appropriated9905 | €11,879 | €3,827 | €1,938 | -€18,805 | €24,818 | ▲ 232% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,609 | €24,036 | €32,926 | €43,804 | €40,723 | ▼ 7.0% |
| Fixed assets21/28 | €1,649 | €113 | €21,120 | €15,745 | €24,060 | ▲ 52.8% |
| Tangible fixed assets22/27 | €1,536 | - | €21,008 | €15,632 | €23,947 | ▲ 53.2% |
| Plant, machinery and equipment23 | €613 | - | €319 | €160 | €3,065 | ▲ 1,822% |
| Furniture and vehicles24 | €923 | - | €20,689 | €15,473 | €20,882 | ▲ 35.0% |
| Financial fixed assets28 | €113 | €113 | €113 | €113 | €113 | = |
| Current assets29/58 | €30,961 | €23,923 | €11,805 | €28,059 | €16,664 | ▼ 40.6% |
| Stocks and contracts in progress3 | €4,989 | €7,047 | €4,191 | €2,152 | €1,708 | ▼ 20.6% |
| Stocks30/36 | €4,989 | €7,047 | €4,191 | €2,152 | €1,708 | ▼ 20.6% |
| Amounts receivable within one year40/41 | €4,484 | €48 | €355 | €344 | €523 | ▲ 52.2% |
| Other amounts receivable41 | €4,484 | €48 | €355 | €344 | €523 | ▲ 52.2% |
| Cash at bank and in hand54/58 | €21,488 | €16,828 | €7,260 | €25,563 | €14,432 | ▼ 43.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,609 | €24,036 | €32,926 | €43,804 | €40,723 | ▼ 7.0% |
| Equity10/15 | €14,376 | €18,203 | €20,142 | €1,246 | €26,064 | ▲ 1,991% |
| Contributions10/11 | €6,250 | €6,250 | €6,250 | €6,250 | €8,125 | ▲ 30.0% |
| Capital10 | €6,250 | €6,250 | €6,250 | €6,250 | - | - |
| Issued capital100 | €18,750 | €18,750 | €18,750 | €18,750 | - | - |
| Uncalled capital101 | €12,500 | €12,500 | €12,500 | €12,500 | - | - |
| Reserves13 | €1,875 | €1,875 | €1,875 | €1,875 | - | - |
| Non-distributable reserves130/1 | €1,875 | €1,875 | €1,875 | €1,875 | - | - |
| Legal reserve130 | €1,875 | €1,875 | €1,875 | €1,875 | - | - |
| Profit (loss) carried forward14 | €6,251 | €10,078 | €12,017 | -€6,879 | €17,939 | ▲ 361% |
| Amounts payable17/49 | €18,233 | €5,833 | €12,784 | €42,558 | €14,659 | ▼ 65.6% |
| Amounts payable within one year42/48 | €18,233 | €5,833 | €12,784 | €42,558 | €14,659 | ▼ 65.6% |
| Trade debts44 | €12,749 | €3,239 | €2,628 | €36,510 | €7,663 | ▼ 79.0% |
| Suppliers440/4 | €12,749 | €3,239 | €2,628 | €36,510 | €7,663 | ▼ 79.0% |
| Taxes, remuneration and social security45 | €4,032 | €2,593 | €6,300 | €3,962 | €6,966 | ▲ 75.8% |
| Taxes450/3 | €2,488 | €2,593 | €4,830 | €3,962 | €5,576 | ▲ 40.7% |
| Remuneration and social security454/9 | €1,544 | - | €1,470 | - | €1,390 | - |
| Other amounts payable47/48 | €1,452 | - | €3,856 | €2,085 | €30 | ▼ 98.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,879 | €3,827 | €1,938 | -€18,805 | €24,818 | ▲ 232% |
| + Depreciation and write-downs630 | €1,891 | €1,536 | €5,317 | €5,376 | €6,671 | ▲ 24.1% |
| Operating cash flow (approximation) | €13,770 | €5,363 | €7,255 | -€13,430 | €31,489 | ▲ 334% |
| Investment in fixed assets (approximation) | - | €0 | -€26,325 | €0 | -€14,986 | - |
| Change in cash | - | -€4,659 | -€9,569 | €18,304 | -€11,131 | ▼ 161% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
31-12
Financial
Back to profitnet €24,818
Net result €24,818 after one loss-making year.
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 77 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 4.10
Current ratio from 1.70 to 4.10; short-term debt falls from €18,233 to €5,833.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 181 days late
2021
31-12
Financial
Back to profitnet €11,879
Net result €11,879 after 3 loss-making years.
2020
31-12
Financial
Weakest financial yearnet -€23,298
Net result drops to -€23,298, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 101 days late
2019
12-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 104 days late
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 90 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Châtelet · 1 establishment unit since 2001
Ground area
144 m²
Building footprint
19 m²
Volume, LiDAR
91 m³
Parcel 52012A0064/00T003, Wallonia · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue de la Station 44, 6200 Châtelet
since 20012.098.116.334
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A0064/00T003 | Wallonia | 144 m² | 1 · 19 m² | 6.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteChâtelet2.098.116.334
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Of 1,265 companies in sector 47300 we hold annual accounts for 950. 593 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
47252Retail sale of beverages, general range
47260Retail trade
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474744724
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.