CERAMAT
ActiveSummary
The computed 12-month bankruptcy probability of CERAMAT is 2.9% (moderate). The annual accounts of CERAMAT for financial year 2025 show a net loss of 54% of total assets and of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €58,637 and a net result of -€128,386. Equity has been shrinking by about 9.7% per year since 2018. Its solvency ranks better than 36% of 12,781 sector peers (NACE 47, financial year 2025). The company has been active since 1980 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 31-01-1980 Normal situation
- Activity
- Retail trade NACE 47523and 1 other
- Joint committee
- 201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2024
- Establishment unit
- 2.017.263.171 1932 Zaventem, since 01-02-1980
- Financial year end
- 31 December
- Peppol
- Reachable
Board and ownership
- Robert SCHELFHOUTManaging director
- QUADRUS HOLDINGDirector · since 14-11-2013 · permanent representative Karin CLAES
- QUADRUS HOLDING100%2025 annual accounts of QUADRUS HOLDING
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.9%
- Gross margin
- €166,092
- ▲ 76.7%
- Turnover
- ≈ €940,000
- estimated
- Loss
- €128,386
- ▼ 38.1%
- Equity
- €58,637
- ▼ 68.6%
- Total assets
- €238,002
- ▼ 62.9%
- Employees on 31-12-2025
- 4
- =
Score breakdownraises riskLoss of €128,386, the second in a row (financial year 2025)Liquidity: current ratio 1.08, cash €2,570, halvedSector: Retail trade (NACE 47)1 of the last 3 accounts lateShow the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 40% of them on solvency, 12% on liquidity, 6% on profitability and 8% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
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).
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Signals
The company filed its last 7 accounts on average 16 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Key points
Recent changes
- · Gazette deed 2 directors appointed, 1 director resigning, 2 reappointedReappointments: Robert SCHELFHOUT (director) and QUADRUS HOLDING (director) · Permanent representative: Karin CLAES · Appointments: Karin CLAES (director) and Robert SCHELFHOUT (managing director)
Comparable companies
These companies have the same main activity as CERAMAT: retail trade (NACE 47523). They are comparable in size and age: total assets between €244,000 and €488,000, founded between 1986 and 2002.
| Company | Total assets | Gross margin |
|---|---|---|
| CERAMAT Zaventem | €238,002 | €166,092 |
| CERAMIC-DECOR Fernelmont | €343,974 | €142,621 |
| BOUWSPECIALITEITEN MERTENS Balen | €487,640 | €124,612 |
| PGB CERAMICA Wevelgem | €359,925 | €199,176 |
| TOP CARO Namur | €243,836 | €81,854 |
| ROSSI et FILS Liège | €466,899 | €92,293 |
| CERALITH Herent | €402,200 | €53,708 |
Key facts about CERAMAT
- What is the company number of CERAMAT?
- The company number of CERAMAT is 0420.122.737. The VAT number is the same number with BE in front: BE 0420.122.737.
- Where is CERAMAT based?
- The registered office is at Leuvensesteenweg 320, 1932 Zaventem.Company details
- What does CERAMAT do?
- According to the KBO register, the main activity is retail trade (NACE 47523).
- What is the legal form of CERAMAT?
- The legal form of CERAMAT is Public limited company (NV).
- When was CERAMAT founded?
- CERAMAT was founded on 31-01-1980.
- Is CERAMAT still active?
- Yes, CERAMAT is an active enterprise in the KBO register.
- How many employees does CERAMAT have?
- CERAMAT had an average of 4.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CERAMAT fall under?
- In its 2024 annual accounts, CERAMAT states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
- What is the turnover of CERAMAT?
- The turnover in financial year 2025 is ≈ €940,000. This figure is estimated from the gross margin of €166,092 and 33 comparable companies (NACE 475). It probably lies between €720,000 and €1.4m.
- Is CERAMAT profitable?
- In financial year 2025, CERAMAT made a loss of €128,386.
- Where can I find the annual accounts of CERAMAT?
- CERAMAT filed 45 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CERAMAT due?
- CERAMAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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