CERACO
ActiveCERACO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €58k and a net result of €-181. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 7971 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
28 d early
2022
on the day
2021
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 0.3%
2024 · €58k
2021: €41k
2022: €49k
2023: €60k
2024: €58k
2021 → 2025
Net result
€-181▲ 92.7%
2024 · €-2k
2021: €39k
2022: €9k
2023: €11k
2024: €-2k
2021 → 2025
Total assets
€58k▼ 0.3%
2024 · €58k
2021: €51k
2022: €53k
2023: €63k
2024: €58k
2021 → 2025
Solvency
100.0%=
2024 · 100.0%
2021: 80.2%
2022: 92.8%
2023: 95.5%
2024: 100.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€49k▲ 21.9%€60k▲ 21.8%€58k▼ 4.1%€58k▼ 0.3%
Operating result€46k-€14k▼ 70.4%€13k▼ 7.1%€-3k€-1k▲ 46.9%
Net result€39k-€9k▼ 77.0%€11k▲ 21.4%€-2k€-181▲ 92.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €3k in 2024; the loss shrinks.
Key figures and ratios
Solvency
100.0%=
2024 · 100.0%
ROE
-0.3%▲
2024 · -4.3%
ROA
-0.3%▲
2024 · -4.3%
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€58k€58k▼
Current assets29/58€58k€58k▼
Amounts receivable within one year40/41€16k€36k▲
Other amounts receivable41€16k€36k▲
Cash at bank and in hand54/58€42k€21k▼
Equity and liabilities
Total equity and liabilities10/49€58k€58k▼
Equity10/15€58k€58k▼
Contributions10/11€2k€2k=
Reserves13€56k€56k▼
Distributable reserves133€56k€56k▼
Amounts payable17/49€0-
Amounts payable within one year42/48€0-
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Income statement
Code20242025
Other operating charges640/8€115€126▲
Gross operating margin9900€-2k€-1k▲
Operating profit (loss)9901€-3k€-1k▲
Financial income75/76B€100€1k▲
Recurring financial income75€100€1k▲
Financial charges65/66B€42€42=
Recurring financial charges65€42€42=
Profit (loss) for the period before taxes9903€-2k€-181▲
Income taxes67/77€0-
Profit (loss) for the period9904€-2k€-181▲
Profit (loss) for the period to be appropriated9905€-2k€-181▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-181▲
Transfer from equity791/2€2k€181▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-2k ▼123%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 13.97
Current ratio from 5.06 to 13.97; short-term debt falls from €10k to €4k.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Torhout · 1 establishment unit since 2019
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.
Ieperse Heerweg 538820 TorhoutGround area
1.2 ha
Building footprint
415 m²
Volume, LiDAR
2,017 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ceraco
since 20192.291.172.860
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523G0746/00D000 | Flanders | 1.0 ha | 1 · 263 m² | 9.2 m · 2 fl. |
| 31523G0730/00G000 | Flanders | 1,581 m² | 1 · 152 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500C09CBD1E1B4992
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 10,815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.