Turnover
≈ €350,000 estimated
The micro format states no turnover.
CERA CONSTRUCT
Overview
Lifetime
1 annual account with figurespeak €105,351 (2025)
€105,351
peak €83,936 (2025)
€83,936
peak €87,270 (2025)
€87,270
€53,821
Board1 name since 2025
1 directorCEVAJ,Bledar
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Incorporation 21-01Dividend €1,6661 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
Position in the sector
€83,936
Higher net result than 94% of companies in construction of buildings. Sector median €8,551 · 9,446 companies.
Checked score
68
Healthy
Financially stronger than 79% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 3.6%
03-2026: 3.6%● unchanged vs 02-2026
04-2026: 3.8%▲ +0.2 percentage points vs 03-2026
05-2026: 4.1%▲ +0.3 percentage points vs 04-2026
06-2026: 4.2%▲ +0.1 percentage points vs 05-2026
07-2026: 4.6%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 1.1%▼ -3.5 percentage points vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026
10-2026: 1.1%● unchanged vs 09-2026lowest value
11-2026: 1.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €141,092
lowers risk
Liquidity: current ratio 3.16, cash €30,408
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 71% of them on solvency, 76% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as CERA CONSTRUCT has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of CERA CONSTRUCT itself is higher: 1.1% within 12 months. It rests on far more data about CERA CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 11,279 companies, not a prediction for CERA CONSTRUCT. 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.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.16, above the usual 1.5. Short-term debt is 18.7% and cash 21.6% of total assets. 38.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
28 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- CEVAJ,Bledar 70 sharesdeed of 21-01-2025
- DE CONINCK,Debbie 30 sharesdeed of 21-01-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018856623
Incorporation
Founding capital of €5,000, 100 shares · Founders: CEVAJ, Bledar (comparant/oprichter); DE CONINCK, Debbie (comparant/oprichter) · Appointment: CEVAJ, Bledar (director) · published on 21-01-2025 · Gazette deed
First establishment
Spoorweglaan 114, Wetteren
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CERA CONSTRUCT Wetteren | €141,092 | €105,351 | 61.9% | - |
| De Wolf Dakwerken Sint-Lievens-Houtem | €133,585 | €125,526 | 42.1% | - |
| ALGEMENE BOUWONDERNEMING ANGELO VAN LANDEGEM Maldegem | €179,775 | €113,553 | 50.7% | - |
| Floorix Staden | €137,176 | €98,341 | 16.8% | - |
| NK CONSTRUCTION Profondeville | €135,884 | €110,944 | 62.7% | - |
| Lukas Solar & Energie Technieken Zwevegem | €125,736 | €99,340 | 71.1% | - |
| BTP GROUP Oupeye | €127,656 | €103,798 | 67.1% | - |
These companies have the same main activity as CERA CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €126,000 and €180,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 17-01-2025Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 6 others
- Establishment unit
- 2.369.229.3549230 Wetteren, since 17-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €105,351
- €83,936
- €87,270
- €141,092
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on CERA CONSTRUCT
CERA CONSTRUCT has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,270 and a net result of €83,936.
Its solvency ranks better than 70% of 9,456 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 03-07-2026, 28 days before the deadline€105,351
€97,863
€83,936
€56,918
61.9%
3.16
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €350,000. Estimated: probably between €250,000 and €540,000.
Amounts without an identifiable currency are taken as euros.
Balance sheet
balance sheet total €141,092 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
61.9%
Higher than 70% of 9,456 companies in 2025.
3.16
Higher than 76% of 9,204 companies in 2025.
59.5%
Higher than 95% of 9,276 companies in 2025.
CERA CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
141,092 | |
21/28 |
57,774 | |
22/27 |
57,774 | |
23 |
6,815 | |
24 |
15,549 | |
25 |
35,411 | |
29/58 |
83,317 | |
40/41 |
52,910 | |
40 |
25,640 | |
41 |
27,270 | |
54/58 |
30,408 | |
| Balance sheet: equity and liabilities | ||
10/49 |
141,092 | |
10/15 |
87,270 | |
10/11 |
5,000 | |
13 |
82,270 | |
133 |
82,270 | |
17/49 |
53,821 | |
17 |
24,570 | |
170/4 |
24,570 | |
42/48 |
26,400 | |
42 |
6,054 | |
44 |
1,837 | |
440/4 |
1,837 | |
45 |
16,843 | |
450/3 |
16,843 | |
47/48 |
1,666 | |
492/3 |
2,852 | |
| Income statement | ||
9900 |
105,351 | |
630 |
6,606 | |
640/8 |
883 | |
9901 |
97,863 | |
75/76B |
944 | |
75 |
944 | |
65/66B |
4,871 | |
65 |
4,871 | |
9903 |
93,936 | |
67/77 |
10,000 | |
9904 |
83,936 | |
9905 |
83,936 | |
| Appropriation of the result | ||
9906 |
83,936 | |
691/2 |
82,270 | |
6921 |
82,270 | |
694/7 |
1,666 | |
694 |
1,666 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 03-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 03-07-2026 | 2026-00246613 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 104,468 | ||
| 90,542 | ||
| 64,380 | ||
| 56,918 | ||
| 61.9% | ||
| 3.16 | ||
| 0.62 | ||
| 96.2% | ||
| 59.5% | ||
| 21.45 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €64,380 |
| €6,606 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on CERA CONSTRUCT
Debt's share of the balance-sheet total is 38.1%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 17-01-2025
listed in the 2025 annual accounts, filed on 03-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 10. Bevoegdheden van het bestuursorgaan: Het bestuursorgaan zal overeenkomstig artikel 5:73 van het Wetboek van vennootschappen en…”deed of 21-01-2025
Mandates through the years
1 name, the dashed line is todayCEVAJ,Bledar
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- CEVAJ,Bledar
- Director (not named in the articles), from 17-01-2025 to date
Control
Founders
CEVAJ,Bledar, DE CONINCK,Debbie
This company
CERA CONSTRUCT
Equity €87,270
Profit €83,936 in 2025
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €873 in 2025
- Source
- deed of 21-01-2025
Articles of association
deed of 21-01-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Erfgenamen en legatarissen die geen aandeelhouder van rechtswege worden vragen toestemming volgens zelfde formaliteiten, elke overdracht…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
Shareholders
At incorporation
deed of 21-01-2025 ↗
- CEVAJ,Bledar 70 shares (70%) · €3,500
- DE CONINCK,Debbie 30 shares (30%) · €1,500
Network & group
No group
CERA CONSTRUCT has no parent and no holdings in its annual accounts. CEVAJ,Bledar is the only director. CERA CONSTRUCT shares no director with another company.
The LEI register names no parent.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1018856623
Annual accounts 2025 filed NBBmicro format · 28 days before the deadline
2025
IncorporationFounding capital of €5,000, 100 shares · Founders: CEVAJ, Bledar (comparant/oprichter); DE CONINCK, Debbie (comparant/oprichter) · Appointment: CEVAJ, Bledar (director) · published on 21-01-20256 points ▸
- Founder, CEVAJ, Bledar (comparant/oprichter)
- Founder, DE CONINCK, Debbie (comparant/oprichter)
- Founding capital, €5,000, 100 shares
- 100 shares
- Registered office clause, Spoorweglaan 114, 9230 Wetteren
- Director appointment, CEVAJ, Bledar (director (not named in the articles))
- The deed holds 6 more points.
First establishment Spoorweglaan 114, Wetteren
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1018.856.623
- VAT number
- BE 1018.856.623
- Peppol ID
- 0208:1018856623
- LEI code
- 6488DU3W4VE79HZ03609 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 21-01-2025 (in Dutch)
- Peppol
- Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CERA CONSTRUCT in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 21-01-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 21-01-2025 (in Dutch)
Activities
NACEBEL 2025VAT activities
41001
General construction of residential buildings main activity
43120
Site preparation
43320
Joinery installation
43331
Floor and wall tiling
Social security (RSZ) activities
43410
Roofing work main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “De studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken,als algemene aannemer of in onderaanneming,het ontwerp en…”deed of 21-01-2025 (in Dutch)
17 activities
- De studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken,als algemene aannemer of in onderaanneming,het ontwerp en de bouw van alle mogelijke gebouwen en bouwsels,de studie en de uitvoering van binnen en buitendecoraties
- Alle mogelijke verrichtingen die rechtstreeks of onrechtstreeks verband houden met het onderhoud,de renovatie,het herstel,de verfraaiing,de vernieuwing en modernisering van alle soorten kunstwerken en onroerende goederen en,algemeen genomen,alle verrichtingen die rechtstreeks of onrechtstreeks verband houden met openbare en particuliere bouwwerken
- Het uitwerken,voorbereiden en aanleggen van opritten,terrassen en parkings
- Het uitwerken,voorbereiden en uitvoeren van verbouwingen
- Vervaardiging en de montage van metalen en aluminium constructiewerken
- Montage en bewerking van glas en glaswerk
- Montage van serres,veranda’s en dergelijke in metaal en aluminium
- Het verstrekken van advies en bijstand,zowel technisch als administratief en commercieel,aan alle vennootschappen en ondernemingen voor alle mogelijke aangelegenheden met betrekking tot de sector van de onroerende goederen
- Het verwerven van alle mogelijke terreinen,het bouwen van openbare en particuliere gebouwen,de aankoop,de verkoop,de verhuur,de verdeling en de verkaveling van alle mogelijke onroerende goederen
- De aankoop,de verkoop,de huur,de invoer en uitvoer van alle mogelijke materialen,goederen,toestellen en materieel,noodzakelijk voor de bouw,het onderhoud,het herstel en de vernieuwing van kunstwerken en gebouwen
- De voorbereiding,de opstelling en het afsluiten,zowel als mandataris als voor eigen rekening,van alle mogelijke overeenkomsten voor openbare en particuliere werken of voor leveringen en het uitvoeren van alle verrichtingen die daarmee verband houden
- Daartoe kan de vennootschap samenwerken met,deelnemen in,of op gelijk welke wijze,rechtstreeks of onrechtstreeks,belangen nemen in andere ondernemingen
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Reinigen van nieuwe gebouwen na beëindiging van de bouwwerken
- De vennootschap kan eveneens optreden als bestuurder,volmachtdrager,mandataris of vereffenaar in andere vennootschappen of ondernemingen
- De vennootschap kan in het algemeen alle commerciële,industriële,financiële,roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp of welke aard zouden zijn de verwezenlijking ervan geheel of ten dele te vergemakkelijken
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Spoorweglaan 114 registered office 9230 Wetteren | 17-01-2025 | 2.369.229.354 |
Buildings and parcels at the address
- Ground area
- 456 m²
- Buildings
- 73 m²
- Volume, LiDAR
- 454 m³
- Tallest building
- 10.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 42303F0140/00R002 | 456 m² | 1 · 73 m² | 10.4 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1018.856.623