CERA-LUX

Active

Private limited company (pre-2019)founded 200718 yrs activePierre Decosterstraat 84-86, 1190 Vorst, BelgiumKBO/BCE: BE 0892.449.092

The computed 12-month bankruptcy probability of CERA-LUX is 1.7% (moderate). The 2024 annual accounts show equity of €72k and a net result of €5k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 36377 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

87 / 100

Excellent▲ +42 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability35▲+35

Solvency78▲+13

Growth35=

Stability100

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 1.69 against 1.5 in 2023), but 58.9% 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

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

−lowers risk+raises risk○neutral

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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

41.1%

Return on assets

2.9%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 filings

Deviation from the deadline

2025

not confirmed

2024

28 d late

2023

68 d late

2022

31 d late

2021

71 d late

2020

58 d late

2019

175 d late

← 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

Turnover

€117k▼ 20.5%

2021 · €147k

2018: €231k 2019: €214k 2020: €123k 2021: €147k

2018 → 2022

EBIT margin

0.9%▼ 12.6pp

2021 · 13.5%

2018: 14.6% 2019: 13.9% 2020: 20.5% 2021: 13.5%

2018 → 2022

Net result

€5k

2023 · €-10k

2018: €23k 2019: €23k 2020: €18k 2021: €15k 2022: €-1k 2023: €-10k

2018 → 2024

Working capital

€71k▲ 9.0%

2023 · €65k

2018: €16k 2019: €41k 2020: €61k 2021: €78k 2022: €77k 2023: €65k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€123k-€147k▲ 20.3%€117k▼ 20.5%

Equity€64k-€79k▲ 23.3%€77k▼ 1.4%€67k▼ 13.2%€72k▲ 7.6%

Operating result€25k-€20k▼ 20.9%€1k▼ 94.8%€-10k€6k

Net result€18k-€15k▼ 17.9%€-1k€-10k▼ 829%€5k

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €6k after a loss of €10k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €176k

99.3%

Fixed assets €1k▼ 37.4%

Current assets €175k▼ 10.7%

Equity and liabilities €176k

41.1%

58.9%

Equity €72k▲ 7.6%

Debt €104k▼ 20.5%

The debt ratio falls from 65.9% to 58.9%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€7k▲

2023 · €-9k

Cash flow

€6k▲

2023 · €-10k

Solvency

41.1%▲

2023 · 34.1%

Current ratio

1.69▲

2023 · 1.50

Quick ratio

1.69▲

2023 · 1.50

Debt / equity

1.43▼

2023 · 1.94

ROE

7.0%▲

2023 · -15.2%

ROA

2.9%▲

2023 · -5.2%

Interest coverage

13.73▲

2023 · -12.58

Debt

€104k▼

2023 · €130k

Debt ≤ 1 year

€104k▼

2023 · €130k

Income taxes

€301▲

2023 · €-77

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€198k€176k▼

Fixed assets21/28€2k€1k▼

Tangible fixed assets22/27€2k€1k▼

Plant, machinery and equipment23€1k€682▼

Furniture and vehicles24€884€464▼

Financial fixed assets28€141€141=

Current assets29/58€195k€175k▼

Amounts receivable within one year40/41€174k€171k▼

Trade receivables40€153k€137k▼

Other amounts receivable41€21k€34k▲

Cash at bank and in hand54/58€21k€4k▼

Equity and liabilities

Total equity and liabilities10/49€198k€176k▼

Equity10/15€67k€72k▲

Contributions10/11€19k€19k=

Capital10€19k€19k=

Issued capital100€19k€19k=

Reserves13€534€534=

Non-distributable reserves130/1€534€534=

Legal reserve130€534€534=

Profit (loss) carried forward14€48k€53k▲

Amounts payable17/49€130k€104k▼

Amounts payable within one year42/48€130k€104k▼

Financial debts43-€215

Other loans439-€215

Trade debts44€130k€99k▼

Suppliers440/4€130k€99k▼

Taxes, remuneration and social security45-€4k

Remuneration and social security454/9-€4k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€182€1k▲

Other operating charges640/8€4k€184▼

Gross operating margin9900€-5k€7k▲

Operating profit (loss)9901€-10k€6k▲

Financial charges65/66B€745€511▼

Recurring financial charges65€745€511▼

Profit (loss) for the period before taxes9903€-10k€5k▲

Income taxes67/77€-77€301▲

Profit (loss) for the period9904€-10k€5k▲

Profit (loss) for the period to be appropriated9905€-10k€5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€48k€53k▲

Profit (loss) brought forward from the previous period14P€58k€48k▼

The notes to these accounts (7 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 13Financial 3Filings 10

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

31-12

Financial Back to profitnet €5k

Net result €5k after 2 loss-making years.

07-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 68 days late

2023

31-12

Financial Weakest financial yearnet €-10k

Net result drops to €-10k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

10-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 71 days late

2021

27-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 58 days late

22-01

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 175 days late

2019

31-12

Financial Highest result since 2018net €23k ▲0.7%

Net result €23k, the highest in the series.

27-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 58 days late

2018

12-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 43 days late

2017

26-09

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 57 days late

2016

30-09

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 61 days late

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

Directors · office · real estate

Directors

2 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, Vorst · 1 establishment unit since 2009

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.

Pierre Decosterstraat 84-861190 Vorst

Ground area

150 m²

Building footprint

149 m²

Volume, LiDAR

1,633 m³

Parcel 21007A0049/00S008, Brussels · tallest building 19.5 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

CERA-LUX

Pierre Decosterstraat 84-86, 1190 VorstManufacture of fabricated metal products, except machinery and equipment

since 20092.182.273.930

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21007A0049/00S008	Brussels	150 m²	1 · 149 m²	19.5 m · 4 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

Houthalen-Helchteren · Eq €72k

Of 7,247 companies in sector 43350 we hold annual accounts for 2,333. 1,974 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded02-10-2007

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.