CERAMITAL
ActiveCERAMITAL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €-25k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-92
Solvency100▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.29 against 2.76 in 2024; short-term debt: 24.4% and cash: 46.1% of total assets), and 24.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
17 d early
2023
43 d early
2022
24 d early
2021
25 d early
2020
39 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-25k
2024 · €105k
2018: €71k
2019: €110k
2020: €86k
2021: €131k
2022: €104k
2023: €47k
2024: €105k
2018 → 2025
Working capital
€159k▼ 12.2%
2024 · €182k
2018: €16k
2019: €35k
2020: €75k
2021: €128k
2022: €176k
2023: €171k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€175k-€219k▲ 25.1%€221k▲ 1.0%€241k▲ 9.1%€216k▼ 10.2%
Operating result€154k-€124k▼ 19.6%€53k▼ 57.6%€115k▲ 118%€-26k
Net result€131k-€104k▼ 20.5%€47k▼ 54.5%€105k▲ 122%€-25k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €115k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€57k▼ 4.1%
Current assets
€229k▼ 19.6%
Equity and liabilities €286k
Equity
€216k▼ 10.2%
Debt
€70k▼ 32.5%
The debt ratio falls from 30.0% to 24.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-24k▼
2024 · €117k
Cash flow
€-22k▼
2024 · €107k
Solvency
75.6%▲
2024 · 70.0%
Current ratio
3.29▲
2024 · 2.76
Quick ratio
3.29▲
2024 · 2.76
Debt / equity
0.32▼
2024 · 0.43
ROE
-11.4%▼
2024 · 43.6%
ROA
-8.6%▼
2024 · 30.5%
Interest coverage
-35.64▼
2024 · 506.08
Debt
€70k▼
2024 · €103k
Debt ≤ 1 year
€70k▼
2024 · €103k
Income taxes
€312▼
2024 · €11k
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€344k€286k▼
Formation expenses20€0€0=
Fixed assets21/28€59k€57k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€59k€57k▼
Land and buildings22€58k€56k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€0€0=
Current assets29/58€285k€229k▼
Amounts receivable within one year40/41€143k€95k▼
Trade receivables40€61k€42k▼
Other amounts receivable41€82k€53k▼
Cash at bank and in hand54/58€140k€132k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€344k€286k▼
Equity10/15€241k€216k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€179k€154k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€173k€148k▼
Amounts payable17/49€103k€70k▼
Amounts payable within one year42/48€103k€70k▼
Trade debts44€11k€68k▲
Suppliers440/4€11k€68k▲
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€7k€1k▼
Other amounts payable47/48€85k-
Accrued charges and deferred income492/3€8€8▲
Income statement
Code20242025
Remuneration, social security and pensions62€161-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€120k€-20k▼
Operating profit (loss)9901€115k€-26k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€232€664▲
Recurring financial charges65€232€664▲
Profit (loss) for the period before taxes9903€116k€-24k▼
Income taxes67/77€11k€312▼
Profit (loss) for the period9904€105k€-25k▼
Profit (loss) for the period to be appropriated9905€105k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€-25k▼
Transfer from equity791/2-€25k
Transfer to equity691/2€20k-
To other reserves6921€20k-
Profit to be distributed694/7€85k-
Directors or managers695€85k-
The notes to these accounts (6 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-25k ▼123%
Net result drops to €-25k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €219k ▲25.1%
5 profitable years in a row build equity to €219k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €131k ▲51.3%
Operating result €154k, net result €131k, both a record.
31-12
Financial
Equity above €150kEq €175k ▲40.8%
4 profitable years in a row build equity to €175k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €124k ▲41.5%
3 profitable years in a row build equity to €124k.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Zoersel · 1 establishment unit since 1991
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.
Dorp 912980 ZoerselGround area
544 m²
Building footprint
302 m²
Volume, LiDAR
2,236 m³
Parcel 11055C0003/00M000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CERAMITAL NV
since 19912.054.585.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0003/00M000 | Flanders | 544 m² | 1 · 302 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,137 companies in sector 46130 we hold annual accounts for 646. 504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-09-1991
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
46494Wholesale of non-electrical household articles
46831Wholesale of construction materials, general range
47552Retail sale of lighting equipment
47592Retail trade
51471
51532
52442
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.