CERAMICO
Open bankruptcyA bankruptcy procedure is open for CERAMICO according to publications in the Belgian State Gazette; curator: LAURENT SAMYN.
Summary
The 2025 annual accounts show equity of €286,483 and a net result of -€17,938.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Ghent, Bruges division
- Declared bankrupt
- 3 February 2026
- Supervising judge
- Patricia Adriaens
- Official Gazette
- 09-02-2026 (pdf) ↗search the document for 2026/105637
Deadlines
- Provisional date payments stopped
- 3 February 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 24 February 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 5 March 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 13 March 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 3 February 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Laurent SamynMexicostraat 8, 8730 Beernemlaurent@melisadvocaten.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192122232425
2018 to 2025 · latest year -€17,938
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-10-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
on the day
2023
6 d early
2022
1 d early
2021
18 d early
2019
4 d early
2018
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Agents in the wholesale of timber and building materials sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€286,483▼ 4.4%
2024 · €299,717
Total assets
€1.3m▼ 7.3%
2024 · €1.4m
Net result
-€17,938▲ 71.5%
2024 · -€63,007
Working capital
€772,661▲ 27.7%
2024 · €605,207
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,275--€13,402▲ 6.1%€47,043-€57,852€442
Net result-€32,161below the sector's middle half--€23,823below the sector's middle half▲ 25.9%€36,872within the sector's middle half-€63,007below the sector's middle half-€17,938below the sector's middle half▲ 71.5%
Equity€356,075within the sector's middle half-€332,252within the sector's middle half▼ 6.7%€369,124within the sector's middle half▲ 11.1%€299,717within the sector's middle half▼ 18.8%€286,483within the sector's middle half▼ 4.4%
Total assets€1.4mwithin the sector's middle half-€1.4mwithin the sector's middle half▲ 3.5%€1.5mwithin the sector's middle half▲ 5.8%€1.4mwithin the sector's middle half▼ 7.1%€1.3mwithin the sector's middle half▼ 7.3%
Debt€1.0m-€1.1m▲ 6.9%€1.2m▲ 4.1%€1.1m▼ 3.4%€1.0m▼ 8.1%
Working capital€322,230within the sector's middle half-€506,654within the sector's middle half▲ 57.2%€823,707within the sector's middle half▲ 62.6%€605,207within the sector's middle half▼ 26.5%€772,661above the sector's middle half▲ 27.7%
Solvency25.6%within the sector's middle half-23.1%within the sector's middle half▼ 2.5pp24.2%within the sector's middle half▲ 1.2pp21.2%below the sector's middle half▼ 3.0pp21.8%within the sector's middle half▲ 0.7pp
Current ratio1.34within the sector's middle half-1.60within the sector's middle half▲ 0.272.33within the sector's middle half▲ 0.721.81within the sector's middle half▼ 0.522.58within the sector's middle half▲ 0.77
Return on assets (ROA)-2.3%below the sector's middle half--1.7%below the sector's middle half▲ 0.7pp2.4%within the sector's middle half▲ 4.1pp-4.5%below the sector's middle half▼ 6.9pp-1.4%below the sector's middle half▲ 3.1pp
Staff (FTE)3.8within the sector's middle half-2.6within the sector's middle half▼ 31.6%2within the sector's middle half▼ 23.1%1.5within the sector's middle half▼ 25.0%1.5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €442 after a loss of €57,852 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€50,961 ▼ 15.6%
Current assets
€1.3m ▼ 6.9%
Equity and liabilities €1.3m
Equity
€286,483 ▼ 4.4%
Debt
€1.0m ▼ 8.1%
Debt's share of the balance-sheet total falls from 78.8% to 78.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17,958▲
2024 · -€38,196
Cash flow
-€422▲
2024 · -€43,351
Quick ratio
2.25▲
2024 · 1.56
Debt to equity
3.58▼
2024 · 3.72
ROE
-6.3%▲
2024 · -21.0%
Interest coverage
0.96▲
2024 · -2.04
Debt ≤ 1 year
€488,575▼
2024 · €749,992
Debt > 1 year
€537,083▲
2024 · €365,833
Staff costs
€129,573▼
2024 · €132,772
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €8,132 | - |
| Remuneration, social security and pensions62 | - | €148,441 | €151,344 | €132,772 | €129,573 | ▼ 2.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,949 | €19,839 | €20,133 | €19,656 | €17,516 | ▼ 10.9% |
| Other operating charges640/8 | - | €2,279 | €1,063 | €4,559 | €2,702 | ▼ 40.7% |
| Gross operating margin9900 | €286,673 | €157,156 | €219,583 | €99,134 | €150,233 | ▲ 51.5% |
| Operating profit (loss)9901 | -€14,275 | -€13,402 | €47,043 | -€57,852 | €442 | ▲ 101% |
| Financial income75/76B | - | €224 | €2,667 | €14,459 | €424 | ▼ 97.1% |
| Recurring financial income75 | €1,850 | €224 | €695 | €6,381 | €424 | ▼ 93.4% |
| Non-recurring financial income76B | - | - | €1,972 | €8,078 | - | - |
| Financial charges65/66B | - | €10,145 | €12,613 | €18,817 | €18,804 | ▼ 0.1% |
| Recurring financial charges65 | €12,299 | €10,145 | €12,613 | €18,767 | €18,804 | ▲ 0.2% |
| Non-recurring financial charges66B | - | - | - | €50 | - | - |
| Profit (loss) for the period before taxes9903 | -€27,922 | -€23,323 | €37,097 | -€62,210 | -€17,938 | ▲ 71.2% |
| Income taxes67/77 | €4,239 | €500 | €225 | €797 | - | - |
| Profit (loss) for the period9904 | -€32,161 | -€23,823 | €36,872 | -€63,007 | -€17,938 | ▲ 71.5% |
| Profit (loss) for the period to be appropriated9905 | -€32,161 | -€23,823 | €36,872 | -€63,007 | -€17,938 | ▲ 71.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.4m | €1.5m | €1.4m | €1.3m | ▼ 7.3% |
| Fixed assets21/28 | €113,845 | €95,806 | €80,000 | €60,344 | €50,961 | ▼ 15.6% |
| Tangible fixed assets22/27 | €113,845 | €95,806 | €80,000 | €60,344 | €50,961 | ▼ 15.6% |
| Plant, machinery and equipment23 | - | €6,011 | €3,288 | €687 | €360 | ▼ 47.6% |
| Furniture and vehicles24 | - | €1,292 | €1,020 | €748 | €476 | ▼ 36.4% |
| Other tangible fixed assets26 | - | €88,504 | €75,692 | €58,909 | €50,125 | ▼ 14.9% |
| Current assets29/58 | €1.3m | €1.3m | €1.4m | €1.4m | €1.3m | ▼ 6.9% |
| Stocks and contracts in progress3 | €161,647 | €189,740 | €201,341 | €183,828 | €164,045 | ▼ 10.8% |
| Stocks30/36 | - | €189,740 | €201,341 | €183,828 | €164,045 | ▼ 10.8% |
| Amounts receivable within one year40/41 | €1.0m | €1.1m | €1.2m | €1.1m | €1.1m | ▼ 5.0% |
| Trade receivables40 | - | €152,233 | €242,051 | €174,433 | €117,460 | ▼ 32.7% |
| Other amounts receivable41 | - | €965,265 | €965,265 | €965,265 | €965,265 | = |
| Cash at bank and in hand54/58 | €69,889 | €29,134 | €32,652 | €28,663 | €10,688 | ▼ 62.7% |
| Deferred charges and accrued income490/1 | - | €9,146 | €2,899 | €3,010 | €3,779 | ▲ 25.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.4m | €1.5m | €1.4m | €1.3m | ▼ 7.3% |
| Equity10/15 | €356,075 | €332,252 | €369,124 | €299,717 | €286,483 | ▼ 4.4% |
| Contributions10/11 | - | €618,592 | €618,592 | €618,592 | €618,592 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Other1319 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€264,377 | -€288,200 | -€251,328 | -€320,735 | -€333,969 | ▼ 4.1% |
| Amounts payable17/49 | €1.0m | €1.1m | €1.2m | €1.1m | €1.0m | ▼ 8.1% |
| Amounts payable after more than one year17 | €80,000 | €270,000 | €534,583 | €365,833 | €537,083 | ▲ 46.8% |
| Financial debts170/4 | - | €270,000 | €534,583 | €365,833 | €537,083 | ▲ 46.8% |
| Amounts payable within one year42/48 | €957,019 | €838,863 | €620,500 | €749,992 | €488,575 | ▼ 34.9% |
| Current portion of amounts payable after more than one year42 | - | €36,225 | €45,899 | €30,574 | €12,500 | ▼ 59.1% |
| Financial debts43 | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Credit institutions430/8 | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Trade debts44 | €545,892 | €577,950 | €318,059 | €410,063 | €185,060 | ▼ 54.9% |
| Suppliers440/4 | - | €577,950 | €318,059 | €410,063 | €185,060 | ▼ 54.9% |
| Taxes, remuneration and social security45 | - | €23,555 | €52,009 | €23,456 | €25,985 | ▲ 10.8% |
| Taxes450/3 | - | €3,236 | €31,014 | €3,632 | €6,695 | ▲ 84.4% |
| Remuneration and social security454/9 | - | €20,319 | €20,995 | €19,825 | €19,290 | ▼ 2.7% |
| Other amounts payable47/48 | - | €51,133 | €54,533 | €135,900 | €115,029 | ▼ 15.4% |
| Accrued charges and deferred income492/3 | - | €209 | - | - | €56 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€32,161 | -€23,823 | €36,872 | -€63,007 | -€17,938 | ▲ 71.5% |
| + Depreciation and write-downs630 | €41,949 | €19,839 | €20,133 | €19,656 | €17,516 | ▼ 10.9% |
| Operating cash flow (approximation) | €9,788 | -€3,985 | €57,005 | -€43,351 | -€422 | ▲ 99.0% |
| Investment in fixed assets (approximation) | - | -€1,800 | -€4,327 | €0 | -€8,132 | - |
| Change in cash | - | -€40,755 | €3,518 | -€3,989 | -€17,975 | ▼ 351% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-02
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Brugge · event 03-02-2026
2025
25-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€63,007
Net result drops to -€63,007, the lowest in the series.
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €36,872
Net result €36,872 after 2 loss-making years.
2022
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 1.34
Current ratio from 0.43 to 1.34.
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Oostkamp · 1 establishment unit since 1985
Ground area
4,152 m²
Building footprint
737 m²
Volume, LiDAR
3,227 m³
Parcel 31022I0055/00W000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Gaston Roelandtsstraat 16, 8020 Oostkamp
since 19852.016.815.090
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0055/00W000 | Flanders | 4,152 m² | 1 · 737 m² | 6.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | LAURENT SAMYN MEXICOSTRAAT 8, 8730 BEERNEM- |
03-02-2026 → present |
Structure & network
Owners and holdings
2 ownersChain of control
- VHB INVEST
- CERAMICO
Highest known parent: VHB INVEST. The sources do not say who stands above it.
Owners 2
-
99.6%
- Fabrice Rogiersnatural personSourceown accounts 31-03-20250.4%
Holdings 0
The accounts to 31-03-2025 list no holdings, and no other source names one.
According to the annual accounts to 31-03-2025 of CERAMICO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,136 companies in sector 46130 we hold annual accounts for 647. 485 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-06-1985
Fiscal year end31-03
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
47521Retail sale of hardware, building materials, paint and glass (general range)
41001General construction of residential buildings
68121Development of residential building projects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0427520669
Also
9925:BE0427520669
Registered
14-12-2025
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.