CERATECH POSE
ActiveCERATECH POSE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €47k and a net result of €6k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 3549 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+7
Solvency91▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 2.62 in 2023; short-term debt: 33.8% and cash: 1.2% of total assets), and 33.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
66.2%
Return on assets
8.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
8 d early
2022
18 d early
2021
41 d early
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€0
2021 · €0
2020: €0
2021: €0
2020 → 2023
EBIT margin
Not included in this filing
Net result
€6k▲ 289%
2023 · €2k
2018: €66
2019: €1k
2020: €11k
2021: €12k
2022: €2k
2023: €2k
2018 → 2024
Working capital
€15k▼ 48.2%
2023 · €29k
2018: €14k
2019: €15k
2020: €26k
2021: €12k
2022: €35k
2023: €29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€0-€0€0
Equity€26k-€38k▲ 44.8%€39k▲ 4.5%€41k▲ 3.8%€47k▲ 14.3%
Operating result€15k-€13k▼ 13.4%€2k▼ 81.4%€3k▲ 7.5%€7k▲ 179%
Net result€11k-€12k▲ 7.9%€2k▼ 85.5%€2k▼ 10.9%€6k▲ 289%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 179% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71k
Fixed assets
€32k▲ 143%
Current assets
€39k▼ 17.6%
Equity and liabilities €71k
Equity
€47k▲ 14.3%
Debt
€24k▲ 22.4%
The debt ratio rises from 32.3% to 33.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €9k
Cash flow
€14k▲
2023 · €8k
Solvency
66.2%▼
2023 · 67.7%
Current ratio
1.64▼
2023 · 2.62
Quick ratio
1.64▼
2023 · 2.62
Debt / equity
0.51▲
2023 · 0.48
ROE
12.5%▲
2023 · 3.7%
ROA
8.3%▲
2023 · 2.5%
Interest coverage
170.24▼
2023 · 188.40
Debt
€24k▲
2023 · €20k
Debt ≤ 1 year
€24k▲
2023 · €18k
Income taxes
€1k▲
2023 · €1k
Staff costs
€116k▼
2023 · €127k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€60k€71k▲
Fixed assets21/28€13k€32k▲
Tangible fixed assets22/27€13k€32k▲
Furniture and vehicles24€13k€32k▲
Current assets29/58€47k€39k▼
Amounts receivable within one year40/41€22k€37k▲
Trade receivables40€14k€29k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€26k€883▼
Deferred charges and accrued income490/1€180€2k▲
Equity and liabilities
Total equity and liabilities10/49€60k€71k▲
Equity10/15€41k€47k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€0-
Profit (loss) carried forward14€33k€39k▲
Amounts payable17/49€20k€24k▲
Amounts payable within one year42/48€18k€24k▲
Trade debts44€1k€11k▲
Suppliers440/4€1k€11k▲
Bills of exchange payable441€177€0▼
Advances received on contracts in progress46€13k€12k▼
Taxes, remuneration and social security45€3k€802▼
Taxes450/3€1k€0▼
Remuneration and social security454/9€2k€802▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Turnover70€0-
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€0-
Remuneration, social security and pensions62€127k€116k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€917€824▼
Gross operating margin9900€137k€132k▼
Operating profit (loss)9901€3k€7k▲
Financial income75/76B€0€22▲
Recurring financial income75€0€22▲
Financial charges65/66B€47€88▲
Recurring financial charges65€47€88▲
Profit (loss) for the period before taxes9903€3k€7k▲
Income taxes67/77€1k€1k▲
Profit (loss) for the period9904€2k€6k▲
Profit (loss) for the period to be appropriated9905€2k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€39k▲
Profit (loss) brought forward from the previous period14P€24k€33k▲
Transfer from equity791/2€7k-
Social balance
Average headcount (FTE)90873.03.3▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.89
Current ratio from 1.66 to 3.89; short-term debt falls from €19k to €12k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €12k ▲7.9%
Net result €12k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
07-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Soumagne · 1 establishment unit since 2014
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.
Rue Hotteux(AYE) 274630 SoumagneGround area
4,642 m²
Building footprint
768 m²
Volume, LiDAR
4,720 m³
2 parcels, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERATECH POSE
since 20142.226.576.996
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64040B0306/00E000 | Wallonia | 2,996 m² | 1 · 632 m² | 6.7 m · 2 fl. |
| 62008D0063/00N000 | Wallonia | 1,646 m² | 1 · 136 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2013
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
47523Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.