CEPHOLLI
ActiveSummary
CEPHOLLI has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €415k and a net result of €44k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 391 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▼-23
Solvency79▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days only on tighter terms
short-term debt: 0.8% and cash: 4% of total assets, and 46.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 11
Relative position
BE, all sectors
reference
Sector 11
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
33 d early
2022
34 d early
2021
32 d early
2020
75 d early
2019
69 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€415k▲ 12.0%
2023 · €370k
2018: €-12k
2019: €454k
2020: €348k
2021: €359k
2022: €359k
2023: €370k
2018 → 2024
Total assets
€770k▲ 2.4%
2023 · €751k
2018: €2.01M
2019: €1.61M
2020: €960k
2021: €835k
2022: €785k
2023: €751k
2018 → 2024
Net result
€44k▲ 315%
2023 · €11k
2018: €-20k
2019: €-1.33M
2020: €-107k
2021: €12k
2022: €225
2023: €11k
2018 → 2024
Working capital
€701k▲ 2.2%
2023 · €686k
2018: €-440k
2019: €1.23M
2020: €709k
2021: €748k
2022: €711k
2023: €686k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€348k-€359k▲ 3.4%€359k▲ 0.1%€370k▲ 3.0%€415k▲ 12.0%
Operating result€-91k-€-55k▲ 40.0%€-19k▲ 65.6%€5k€-8k
Net result€-107k-€12k€225▼ 98.1%€11k▲ 4,654%€44k▲ 315%
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 €8k after €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €770k
Fixed assets
€63k ▲ 6.8%
Current assets
€707k ▲ 2.1%
Equity and liabilities €770k
Equity
€415k ▲ 12.0%
Debt
€355k ▼ 6.9%
Debt's share of the balance-sheet total falls from 50.7% to 46.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2023 · €20k
Cash flow
€59k▲
2023 · €25k
Debt to equity
0.86▼
2023 · 1.03
ROE
10.7%▲
2023 · 2.9%
ROA
5.8%▲
2023 · 1.4%
Interest coverage
2.68▼
2023 · 6.07
Debt ≤ 1 year
€6k▼
2023 · €7k
Debt > 1 year
€349k▼
2023 · €375k
Income taxes
€1k▼
2023 · €2k
Staff costs
€59▼
2023 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €770k, equity €415k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€751k€770k▲
Fixed assets21/28€59k€63k▲
Tangible fixed assets22/27€55k€59k▲
Furniture and vehicles24€24k€23k▼
Other tangible fixed assets26€31k€37k▲
Financial fixed assets28€4k€4k=
Current assets29/58€692k€707k▲
Amounts receivable within one year40/41€41k€26k▼
Trade receivables40€35k€26k▼
Other amounts receivable41€7k€0▼
Current investments50/53€615k€646k▲
Cash at bank and in hand54/58€33k€31k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€751k€770k▲
Equity10/15€370k€415k▲
Contributions10/11€62k€62k=
Outside capital11€62k-
Other1109/19€62k-
Reserves13€761k€761k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€0-
Distributable reserves133€759k€759k=
Profit (loss) carried forward14€-452k€-408k▲
Amounts payable17/49€381k€355k▼
Amounts payable after more than one year17€375k€349k▼
Financial debts170/4€375k€349k▼
Amounts payable within one year42/48€7k€6k▼
Trade debts44€302€504▲
Suppliers440/4€302€504▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€0-
Income statement
Code20232024
Remuneration, social security and pensions62€4k€59▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€26k€10k▼
Operating profit (loss)9901€5k€-8k▼
Financial income75/76B€11k€56k▲
Recurring financial income75€7k€6k▼
Non-recurring financial income76B€4k€50k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€13k€46k▲
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€11k€44k▲
Transfer from tax-exempt reserves789€167k-
Profit (loss) for the period to be appropriated9905€178k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-452k€-408k▲
Profit (loss) brought forward from the previous period14P€-630k€-452k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Highest result since 2018net €44k ▲315%
Net result €44k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-01
State Gazette act
General meeting · Statutes amendment
Capital · Corporate purpose
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 164.93
Current ratio from 66.52 to 164.93; short-term debt falls from €11k to €4k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
31-12
Financial
Liquidity times 8current ratio 66.52
Current ratio from 8.36 to 66.52; short-term debt falls from €96k to €11k.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet €-1.33M
Net result drops to €-1.33M, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity times 116current ratio 58.32
Current ratio from 0.50 to 58.32; short-term debt falls from €883k to €21k.
31-12
Financial
Equity above €200kEq €454k
Equity rises from €-12k to €454k.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Herve · 1 establishment unit since 2017
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.
Holliguette 4514654 HerveGround area
1,647 m²
Building footprint
402 m²
Parcel 63015A0064/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Holliguette 451, 4654 Herve
since 20172.265.424.409
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63015A0064/00C000 ProtectedMonument |
Wallonia | 1,647 m² | 1 · 402 m² | - |
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).
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerve2.265.424.409
Legal Entity Identifier
984500Q80F6DWF8D6737
Similar companies · same sector, comparable size
BOTTLES
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Halle · Eq €432k
VINDIMA
BE 0653.916.788
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From-nineteen-on
BE 0666.652.591
Tongeren-Borgloon · Eq €344k
WIJNDOMEIN OUD CONYNSBERGH
BE 0550.487.272
Boechout · Eq €329k
Ysabeau
BE 1008.548.590
Durbuy · Eq €525k
Of 187 companies in sector 11020 we hold annual accounts for 73. 40 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
11020Manufacture of beverages
01210Crop and animal production, hunting and related service activities
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.