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Céréale

Active
Private limited companyfounded 20251 yr activeProvinciesteenweg 590, 2530 Boechout, BelgiumKBO/BCE: BE 1023.291.996
Summary

The computed 12-month bankruptcy probability of Céréale is 1.7% (moderate). The 2025 annual accounts show equity of €33,992 and a net result of €31,992. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency90
Growth-
Track record67
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 2.61; short-term debt: 34.9% and cash: 58.4% of total assets), and 34.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
65.1%
Return on assets
61.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 13 May 2025, Céréale was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€33,992
Total assets
€52,240
Net result
€31,992
Working capital
€29,429

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €52,240
Fixed assets €4,563
Current assets €47,678
Equity and liabilities €52,240
Equity €33,992
Debt €18,249
Debt finances 34.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€43,989
Cash flow
€32,244
Current ratio
2.61
Debt to equity
0.54
ROE
94.1%
ROA
61.2%
Interest coverage
26.86
Debt ≤ 1 year
€18,249
Income taxes
€10,108

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 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 11,280 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet Code2025
Assets
Total assets20/58€52,240
Fixed assets21/28€4,563
Tangible fixed assets22/27€4,313
Plant, machinery and equipment23€4,313
Financial fixed assets28€250
Current assets29/58€47,678
Amounts receivable within one year40/41€16,475
Trade receivables40€15,730
Other amounts receivable41€745
Cash at bank and in hand54/58€30,516
Deferred charges and accrued income490/1€688
Equity and liabilities
Total equity and liabilities10/49€52,240
Equity10/15€33,992
Contributions10/11€2,000
Reserves13€31,992
Distributable reserves133€31,992
Amounts payable17/49€18,249
Amounts payable within one year42/48€18,249
Trade debts44€519
Suppliers440/4€519
Taxes, remuneration and social security45€17,730
Taxes450/3€17,730
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€252
Other operating charges640/8€4,786
Gross operating margin9900€48,775
Operating profit (loss)9901€43,736
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€1,638
Recurring financial charges65€1,638
Profit (loss) for the period before taxes9903€42,099
Income taxes67/77€10,108
Profit (loss) for the period9904€31,992
Profit (loss) for the period to be appropriated9905€31,992
Appropriation of the result
Profit (loss) to be appropriated9906€31,992
Transfer to equity691/2€31,992
To other reserves6921€31,992

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€252
Other operating charges640/8€4,786
Gross operating margin9900€48,775
Operating profit (loss)9901€43,736
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€1,638
Recurring financial charges65€1,638
Profit (loss) for the period before taxes9903€42,099
Income taxes67/77€10,108
Profit (loss) for the period9904€31,992
Profit (loss) for the period to be appropriated9905€31,992
Line2025
Assets
Total assets20/58€52,240
Fixed assets21/28€4,563
Tangible fixed assets22/27€4,313
Plant, machinery and equipment23€4,313
Financial fixed assets28€250
Current assets29/58€47,678
Amounts receivable within one year40/41€16,475
Trade receivables40€15,730
Other amounts receivable41€745
Cash at bank and in hand54/58€30,516
Deferred charges and accrued income490/1€688
Equity and liabilities
Total equity and liabilities10/49€52,240
Equity10/15€33,992
Contributions10/11€2,000
Reserves13€31,992
Distributable reserves133€31,992
Amounts payable17/49€18,249
Amounts payable within one year42/48€18,249
Trade debts44€519
Suppliers440/4€519
Taxes, remuneration and social security45€17,730
Taxes450/3€17,730
Line2025
Profit (loss) for the period9904€31,992
+ Depreciation and write-downs630€252
Operating cash flow (approximation)€32,244

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Boechout · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,133 m²
Building footprint
155 m²
Volume, LiDAR
998 m³
Parcel 11004C0360/00M000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Céréale
Provinciesteenweg 590, 2530 BoechoutActivities auxiliary to financial services and insurance activities
since 20252.373.735.005
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11004C0360/00M000 Flanders 1,132 m² 1 · 154 m² 9.7 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.

Company details

Identification
Legal formPrivate limited company
Founded13-05-2025
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1023291996
Registered 05-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.