CERAM Y SOL
ActiveSummary
CERAM Y SOL has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-56
Solvency78▼-22
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 3.79 in 2024; short-term debt: 12.4% and cash: 1.6% of total assets), and 47% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
53%
Return on assets
-2.2%
Age of the figures
15 mo
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 · 10 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
2 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 4.0%
2024 · €29k
2019: €-9k
2020: €-15k
2021: €13k
2022: €16k
2023: €16k
2024: €29k
2019 → 2025
Total assets
€52k▲ 45.9%
2024 · €36k
2019: €33k
2020: €25k
2021: €23k
2022: €17k
2023: €18k
2024: €36k
2019 → 2025
Net result
€-1k
2024 · €13k
2019: €750
2020: €-5k
2021: €27k
2022: €3k
2023: €-12
2024: €13k
2019 → 2025
Working capital
€17k▼ 11.5%
2024 · €19k
2019: €-10k
2020: €-15k
2021: €13k
2022: €16k
2023: €16k
2024: €19k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€16k▲ 22.8%€16k▼ 0.1%€29k▲ 83.7%€28k▼ 4.0%
Operating result€25k-€3k▼ 87.7%€-196€15k€-647
Net result€27k-€3k▼ 89.4%€-12€13k€-1k
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 2025: a loss of €647 after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€29k ▲ 202%
Current assets
€24k ▼ 10.3%
Equity and liabilities €52k
Equity
€28k ▼ 4.0%
Debt
€25k ▲ 253%
Debt's share of the balance-sheet total rises from 19.4% to 47.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €18k
Cash flow
€3k▼
2024 · €16k
Current ratio
3.65▼
2024 · 3.79
Debt to equity
0.89▲
2024 · 0.24
ROE
-4.1%▼
2024 · 45.6%
ROA
-2.2%▼
2024 · 36.7%
Interest coverage
3.33▼
2024 · 400.99
Debt ≤ 1 year
€6k▼
2024 · €7k
Debt > 1 year
€18k
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 · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€36k€52k▲
Fixed assets21/28€9k€29k▲
Tangible fixed assets22/27€9k€29k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€7k-
Leasing and similar rights25-€27k
Current assets29/58€26k€24k▼
Amounts receivable within one year40/41€20k€22k▲
Trade receivables40€14k€9k▼
Other amounts receivable41€6k€13k▲
Cash at bank and in hand54/58€6k€845▼
Deferred charges and accrued income490/1€320€608▲
Equity and liabilities
Total equity and liabilities10/49€36k€52k▲
Equity10/15€29k€28k▼
Contributions10/11€38k€38k=
Profit (loss) carried forward14€-9k€-10k▼
Amounts payable17/49€7k€25k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€7k€6k▼
Current portion of amounts payable after more than one year42-€5k
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€2k€325▼
Taxes450/3€2k€325▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€150€393▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€18k€8k▼
Operating profit (loss)9901€15k€-647▼
Financial income75/76B€139€470▲
Recurring financial income75€139€470▲
Financial charges65/66B€45€971▲
Recurring financial charges65€45€971▲
Profit (loss) for the period before taxes9903€15k€-1k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€13k€-1k▼
Profit (loss) for the period to be appropriated9905€13k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-10k▼
Profit (loss) brought forward from the previous period14P€-22k€-9k▲
The notes to these accounts (9 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
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-01
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 times 5current ratio 10.46
Current ratio from 2.24 to 10.46; short-term debt falls from €10k to €2k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
30-06
Financial
Liquidity quadruplescurrent ratio 2.24
Current ratio from 0.63 to 2.24; short-term debt falls from €40k to €10k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-5k ▼809%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fontaine-l'Evêque · 1 establishment unit since 2004
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.
Rue Dassonville(FLM) 266141 Fontaine-l'EvêqueGround area
1,214 m²
Building footprint
301 m²
Volume, LiDAR
2,171 m³
2 parcels, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CERAM Y SOL
since 20042.135.936.238
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52022C0553/00F004 | Wallonia | 902 m² | 1 · 221 m² | 9.2 m · 3 fl. |
| 52023B0098/00M002indicative | Wallonia | 312 m² | 1 · 79 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
TOLLI
BE 0892.360.903
Wetteren · Eq €28,000
OZ-NUR
BE 0763.497.886
Vilvoorde · Eq €28,005
OLIDECO
BE 0721.459.076
Halle · Eq €27,234
Rack
BE 0824.123.579
Middelkerke · Eq €26,817
HAUCON
BE 1002.517.467
Diksmuide · Eq €28,638
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 422 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 formPrivate limited company
Founded24-02-2004
Fiscal year end30-06
Activities, NACEBEL 2025
43110Demolition
43240Other construction installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43350Other building finishing work
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495/516.990