CERATECH
ActiveSummary
CERATECH has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €542. Equity is growing by about 5.4% per year across the filed financial years. Its solvency ranks better than 71% of 6,136 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Staff
- 0.3 FTE
- Equity
- €1.3m
- Profit
- €542
Why 95lowers riskFounded in 2005Size: turnover €0, 0.3 FTE, total assets €2.0mEquity €1.3m (64.5% of total assets)Liquidity: current ratio 4.13, cash €220,632Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 70% on solvency, 69% on liquidity, 51% on profitability and 41% on growth.
The bankruptcy probability was computed on 23-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 36 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · full…
- Weakest financial yearnet €542 ▼95.7%
- Annual accounts filedfinancial year 2024 · full…
Financials · financial year 2025, full format
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result has fallen two years in a row; 2025 is 58% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 46, Wholesale trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 17,042 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,042 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | - | €0 | €0 | - |
| Non-recurring operating income76A | - | - | - | - | - | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €846,615 | - | €0 | €0 | - |
| Remuneration, social security and pensions62 | - | - | - | €53,540 | €18,581 | €17,565 | €7,768 | ▼ 55.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44,629 | €50,050 | €57,336 | €90,091 | €111,500 | €120,342 | €103,445 | ▼ 14.0% |
| Other operating charges640/8 | - | - | - | €14,827 | €18,151 | €24,685 | €22,897 | ▼ 7.2% |
| Gross operating margin9900 | €343,847 | €179,233 | €266,667 | €204,723 | €311,086 | €183,512 | €142,960 | ▼ 22.1% |
| Operating profit (loss)9901 | €124,585 | €51,277 | €133,007 | €46,266 | €162,854 | €20,920 | €8,850 | ▼ 57.7% |
| Financial income75/76B | - | - | - | €6,988 | €5,334 | €3,254 | €3,435 | ▲ 5.6% |
| Recurring financial income75 | €8,970 | €7,719 | €7,889 | €6,988 | €5,334 | €3,254 | €3,435 | ▲ 5.6% |
| Financial charges65/66B | - | - | - | €6,292 | €12,903 | €10,919 | €9,967 | ▼ 8.7% |
| Recurring financial charges65 | €8,458 | €6,406 | €5,808 | €6,292 | €12,903 | €10,919 | €9,967 | ▼ 8.7% |
| Profit (loss) for the period before taxes9903 | €125,097 | €52,590 | €135,088 | €46,963 | €155,285 | €13,255 | €2,319 | ▼ 82.5% |
| Transfer from deferred taxes780 | - | - | - | €5,665 | €4,058 | €3,934 | €1,436 | ▼ 63.5% |
| Income taxes67/77 | €11,724 | €14,543 | €27,590 | €20,707 | €41,093 | €4,650 | €3,213 | ▼ 30.9% |
| Profit (loss) for the period9904 | €89,041 | €38,047 | €106,528 | €31,921 | €118,250 | €12,539 | €542 | ▼ 95.7% |
| Transfer from tax-exempt reserves789 | - | - | - | €16,995 | €12,175 | €11,802 | €4,308 | ▼ 63.5% |
| Profit (loss) for the period to be appropriated9905 | €14,759 | €38,047 | €103,619 | €48,916 | €130,424 | €24,341 | €4,849 | ▼ 80.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €1.3m | €1.3m | €1.3m | €2.1m | €2.2m | €2.1m | €2.0m | ▼ 1.8% |
| Fixed assets21/28 | €0.5m | €0.5m | €0.6m | €1.6m | €1.5m | €1.5m | €1.5m | ▲ 0.4% |
| Intangible fixed assets21 | - | - | €0.002m | €0.001m | €486 | €0 | €0 | - |
| Tangible fixed assets22/27 | €0.5m | €0.5m | €0.6m | €1.6m | €1.5m | €1.5m | €1.5m | ▲ 0.4% |
| Land and buildings22 | - | - | - | €1.5m | €1.4m | €1.4m | €1.4m | ▲ 0.8% |
| Plant, machinery and equipment23 | - | - | - | €0.001m | €0.002m | €0.01m | €0.02m | ▲ 67.9% |
| Furniture and vehicles24 | - | - | - | €0.04m | €0.03m | €0.05m | €0.04m | ▼ 28.1% |
| Current assets29/58 | €0.8m | €0.7m | €0.8m | €0.6m | €0.7m | €0.6m | €0.5m | ▼ 7.5% |
| Stocks and contracts in progress3 | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 6.5% |
| Stocks30/36 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 6.5% |
| Amounts receivable within one year40/41 | €0.5m | €0.5m | €0.5m | €0.1m | €0.2m | €0.2m | €0.2m | ▼ 1.5% |
| Trade receivables40 | - | - | - | €0.03m | €0.09m | €0.04m | €0.04m | ▲ 12.0% |
| Other amounts receivable41 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 6.0% |
| Current investments50/53 | €0 | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €0.08m | €0.1m | €0.2m | €0.2m | €0.3m | €0.3m | €0.2m | ▼ 12.5% |
| Deferred charges and accrued income490/1 | - | - | - | €0.03m | €0.008m | €0.01m | €0.01m | ▲ 12.3% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.3m | €2.1m | €2.2m | €2.1m | €2.0m | ▼ 1.8% |
| Equity10/15 | €1.0m | €1.0m | €1.2m | €1.2m | €1.3m | €1.3m | €1.3m | = |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | ▼ 0.4% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 2.1% |
| Distributable reserves133 | - | - | - | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Profit (loss) carried forward14 | €0.01m | €0.04m | €0.1m | €0.2m | €0.3m | €0.3m | €0.3m | ▲ 1.6% |
| Provisions and deferred taxes16 | €0.02m | €0.02m | €0.03m | €0.02m | €0.02m | €0.01m | €0.01m | ▼ 11.9% |
| Deferred taxes168 | - | - | - | €0.02m | €0.02m | €0.01m | €0.01m | ▼ 11.9% |
| Amounts payable17/49 | €0.3m | €0.2m | €0.2m | €0.9m | €0.8m | €0.8m | €0.7m | ▼ 4.8% |
| Amounts payable after more than one year17 | €0.1m | €0.09m | €0.05m | €0.7m | €0.7m | €0.6m | €0.6m | ▼ 7.8% |
| Financial debts170/4 | - | - | - | €0.7m | €0.7m | €0.6m | €0.6m | ▼ 7.8% |
| Amounts payable within one year42/48 | €0.1m | €0.1m | €0.1m | €0.2m | €0.1m | €0.1m | €0.1m | ▲ 10.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.09m | €0.06m | €0.05m | €0.05m | ▲ 1.4% |
| Trade debts44 | €0.04m | €0.04m | €0.02m | €0.06m | €0.03m | €0.03m | €0.06m | ▲ 95.5% |
| Suppliers440/4 | - | - | - | €0.06m | €0.03m | €0.03m | €0.06m | ▲ 95.5% |
| Advances received on contracts in progress46 | - | - | - | €0.02m | €0.008m | €0.006m | €0.006m | ▼ 6.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.03m | €0.05m | €0.03m | €0.02m | ▼ 43.2% |
| Taxes450/3 | - | - | - | €0.02m | €0.05m | €0.03m | €0.02m | ▼ 43.2% |
| Remuneration and social security454/9 | - | - | - | €0.004m | €0 | €0 | €0 | - |
| Accrued charges and deferred income492/3 | - | - | - | €0.005m | €0.01m | €0.005m | €0.005m | ▲ 3.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.09m | €0.04m | €0.1m | €0.03m | €0.1m | €0.01m | €0.001m | ▼ 95.7% |
| + Depreciation and write-downs630 | €0.04m | €0.05m | €0.06m | €0.09m | €0.1m | €0.1m | €0.1m | ▼ 14.0% |
| Operating cash flow (approximation) | €0.1m | €0.09m | €0.2m | €0.1m | €0.2m | €0.1m | €0.1m | ▼ 21.7% |
| Investment in fixed assets (approximation) | - | -€0.04m | -€0.09m | -€1.1m | -€0.008m | -€0.1m | -€0.1m | ▲ 21.8% |
| Change in cash | - | €0.06m | €0.02m | €0.04m | €0.09m | -€0.03m | -€0.03m | ▲ 2.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | full format | 09-01-2026 | 2026-00004996 |
| 30-06-2024 | full format | 12-12-2024 | 2024-00614918 |
| 30-06-2023 | full format | 13-12-2023 | 2023-00527213 |
| 30-06-2022 | full format | 26-01-2023 | 2023-00006631 |
| 30-06-2021 | full format | 20-12-2021 | 2021-80900349 |
| 30-06-2020 | full format | 17-12-2020 | 2020-76100073 |
| 30-06-2019 | full format | 20-12-2019 | 2019-76900325 |
| 30-06-2018 | full format | 20-12-2018 | 2018-75200224 |
| 30-06-2017 | full format | 21-12-2017 | 2017-72700482 |
| 30-06-2016 | full format | 05-01-2017 | 2017-00500557 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| AED |
|
Owners and capital
Capital and shareholders
- 12-12-2023 Converted to unavailable equity · €22,000
Group and network
Connections & network
1 connected companyThe connected companies are in the list below.
History
Acts, filings and financial milestones
12-12
Gazette deed
Resignation: AED (manager)Appointment: AED (director) · Legal form clause · Capital conversion12 facts ▸
- General meeting, 06-12-2023
- Legal form clause, “adapter statuts aux dispositions du Code des sociétés et des associations et conserver la forme légale de société à responsabilité limitée, article 39,§1,alinéa…” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “dispense de lecture du rapport justifiant la modification de l'objet social, organe d'administration” (deed in French)
- Other provision, “réception du rapport justifiant la modification de l'objet social, reçu un exemplaire et en avoir pris connaissance” (deed in French)
- Purpose change
- Amendment of the articles
- Capital
- Director resignation, AED (manager)
- Director appointment, AED (director (not named in the articles))
- Director discharge, AED
- Registered office clause, “4630 Soumagne (Ayeneux), rue Hotteux”, 27 (deed in French)
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 23 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 64040B0306/00E000 | Wallonia | 2,996 m² | 1 · 632 m² | 6.7 m · 2 |
| 62008D0063/00N000 | Wallonia | 1,646 m² | 1 · 136 m² | 6.4 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La transformation,la fabrication,le commerce,l'importation et l'exportation de tous produits en céramique(carrelages,marbres ou autre…” (deed in French)
13 activities (deed in French)
- La transformation,la fabrication,le commerce,l'importation et l'exportation de tous produits en céramique(carrelages,marbres ou autre matériel)et revêtements de sol et de mur.
- La promotion,l'achat,l'échange,la vente,la location et sous-location de tous immeubles,la gestion,la mise en valeur,le lotissement,la transformation,l'exploitation et l'entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terre et domaines,et de manière générale,de tous biens immobiliers.
- La négociation pour compte de tiers dans le cadre de la vente,l'acquisition et location d'immeubles.
- L'achat,la vente en gros,semi-gros et au détail,la location,l'importation,l'exportation de tous matériaux,marchandises,appareils,en ce compris notamment matériaux de construction,équipements sanitaires,matériel d'électricité,carrelages,peintures,meubles,papiers peints,articles de décoration et produits d'entretien,articles de loisirs,matériels et mobiliers de jardin,cette liste n'étant pas limitative.
- L'étude,la gestion et la coordination de tous travaux de construction,publics et privés,l'étude et la réalisation de décorations tant intérieures qu'extérieures.
- Toutes opérations de gestion et de coordination se rapportant directement ou indirectement à l'entretien,la rénovation,les travaux de réparations,d'embellissements,de renouvellement et de modernisation,et la maintenance de biens immeubles,et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment.
- L'objet de la société pourra s'étendre à l'import-export,le commerce en gros et en détail,l'achat,la vente,l'expédition,la création,la fabrication,le montage-démontage,la réparation,la transformation,le traitement,l'entreposage et le transport de tous produits manufacturés.
- La société pourra développer ces activités elle-même ou en collaboration avec des gérants ou franchisés indépendants.
- La société pourra également effectuer toutes prestations de service telles que l'activité d'intermédiaire et de conseil dans les domaines précités,le conseil en management,le bureau d'étude,l'immobilier,la gestion du bâtiment et la gestion d'immeuble(acquisition,location,construction,etc)sans toutefois que cette activité ne tombe dans le champ d'application de l'arrêté royal du six septembre mil neuf cent nonante-trois protégeant le titre professionnel et l'exercice de la profession d'agent immobilier,ainsi que toutes prestations administratives.
- La société pourra exercer en tous lieux,de toutes manières et suivant les modalités qui lui paraitront appropriées,et pourra posséder,soit en jouissance,soit en propriété,tous les biens meubles et immeubles nécessaires ou utiles à la réalisation de son objet social.
- La société pourra de même accomplir toutes opérations civiles,commerciales,industrielles,financières,mobilières ou immobilières se rapportant directement ou indirectement à son objet ou qui serait de nature à en faciliter directement ou indirectement,entièrement ou partiellement la réalisation et ce tant à l'étranger qu'en Belgique.
- La société pourra en outre,s'intéresser par toutes voies d'apport,de fusion ou de toute autre manière,dans toutes affaires,entreprises ou sociétés ayant un objet analogue,similaire ou connexe au sien ou qui sont de nature à favoriser le développement de son entreprise.
- La société pourra exercer le mandat d'administrateur,gérant ou liquidateur de société.Elle pourra sans que la désignation qui va suivre soit limitative,acquérir,aliéner,prendre ou donner en location,tous immeubles ou fonds de commerce,acquérir créer,céder tous brevets,licences,marques de fabrique et de commerce,s'intéresser de toutes manières et en tous lieux,dans toutes sociétés ou entreprises dont l'objet serait similaire,analogue ou connexe ou de nature à favoriser le sien ou serait susceptible de constituer pour elle une source ou un débouché.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CERATECH
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, 2” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation durée, personnes physiques ou morales,actionnaires ou non” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives avec mentions Code des sociétés et des associations” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement actions acquises, toutes cessions entre vifs onéreux gratuit volontaires forcées…” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Organe qui procède à l’émission, à souscrire en numéraire” (deed in French)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Décision assemblée générale formes modifications statuts, à tout temps” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Administrateurs en fonction si aucun autre désigné, désigner un ou plusieurs déterminer pouvoirs et émoluments” (deed in French)