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Céramé Trading

Active
Public limited companyfounded 1982active for 44 yearsAvenue du Zodiaque 34, 1410 Waterloo, BelgiumKBO/BCE: BE 0422.535.562

From the official registers: KBO 37 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Céramé Trading is 1.9% (moderate). The 2024 annual accounts show equity of €11,950 and a net result of -€1,282. Equity has been shrinking by about 6.4% per year since 2018. Its solvency ranks better than 52% of 6,481 sector peers (NACE 47, financial year 2024). The company has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 17-02-1982 Normal situation
Activity
Retail sale of newspapers and periodicals NACE 47621and 2 others
Establishment unit
2.020.403.003 1410 Waterloo, since 21-12-1992
Financial year end
31 December
Peppol
Reachable since 25-05-2026

Board and ownership

Financial position

53 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2024
Gross margin
€518
▼ 39.6%
Turnover
≈ €3,800
estimated
Loss
€1,282
▲ 25.1%
Equity
€11,950
▼ 9.7%
Total assets
€34,605
▼ 2.6%
2025 accounts not filed, 93 days past the deadline
Filed on 31-08-2025PDF
Score breakdownraises riskFigures for financial year 2024 (filed on 04-09-2025)Sector: Retail trade (NACE 47)1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 3 of the last 3 accounts latelowers riskFounded in 1982Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 33% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 60-2
equity 34.5% of total assets
Liquidity 17-9
short-term debt 65.5% · cash 1.7%
Profitability 53-12
return on assets -3.7%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025lowest value 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 1.1%▲ +0.4 percentage points vs 07-2025 09-2025: 1.2%▲ +0.1 percentage points vs 08-2025 10-2025: 0.7%▼ -0.5 percentage points vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.8%▲ +0.1 percentage points vs 06-2026 08-2026: 1.2%▲ +0.4 percentage points vs 07-2026 09-2026: 1.3%▲ +0.1 percentage points vs 08-2026 10-2026: 1.9%▲ +0.6 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.42 (1.46 in 2023), below the usual 1.5. Short-term debt is 65.5% and cash 1.7% of total assets. 65.5% of the assets are financed with debt and provisions.
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 50% of them on solvency, 16% on liquidity, 38% on profitability and 26% on growth.

The bankruptcy probability was computed on 31-10-2026 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 04-09-2025)
NBB · annual accounts
lowers risk · Founded in 1982
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 31 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
31 days late
2023
31 days late
2022
31 days late
2021
30 days late
2020
30 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 41 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 (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 6 loss-making years in a rowloss in financial year 2024 -€1,282 View
  • Caution: Less equity than 85% of companies in retail tradesector median €303,867 · 6,483 companies €11,950 View

Comparable companies

These companies have the same main activity as Céramé Trading: retail sale of newspapers and periodicals (NACE 47621). They are comparable in size and age: total assets between €27,600 and €40,000, founded between 1982 and 1993.

CompanyTotal assetsGross margin
Céramé Trading Waterloo€34,605€518
KAT-PAT Ukkel€31,596€320
CALIPRESSE Rixensart€39,679-€4,647
ROOSENDANS Laarne€39,176-€3,732
Smolders Lier€39,984-€5,859
FIRES Watermaal-Bosvoorde€27,595-€3,145
Select Automotive Antwerpen€35,226€1,231
Full comparison

Documents

Annual accounts at the NBB

All 37 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Céramé Trading

What is the company number of Céramé Trading?
The company number of Céramé Trading is 0422.535.562. The VAT number is the same number with BE in front: BE 0422.535.562.
Where is Céramé Trading based?
The registered office is at Avenue du Zodiaque 34, 1410 Waterloo.Company details
What does Céramé Trading do?
According to the KBO register, the main activity is retail sale of newspapers and periodicals (NACE 47621).
What is the legal form of Céramé Trading?
The legal form of Céramé Trading is Public limited company (NV).
When was Céramé Trading founded?
Céramé Trading was founded on 17-02-1982.
Is Céramé Trading still active?
Yes, Céramé Trading is an active enterprise in the KBO register.
What is the turnover of Céramé Trading?
The turnover in financial year 2024 is ≈ €3,800. This figure is estimated from the gross margin of €518 and 42 comparable companies (NACE 476). It probably lies between €2,000 and €8,500. It is a rough estimate.Financials
Is Céramé Trading profitable?
In financial year 2024, Céramé Trading made a loss of €1,282.
Where can I find the annual accounts of Céramé Trading?
Céramé Trading filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)

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