Ceresmar
ActiveCeresmar has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €25k. Equity is growing by ~98.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+37
Solvency97▲+47
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 1.33 in 2024; short-term debt: 27.7% and cash: 46.1% of total assets), and 27.7% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.3%
Return on assets
44%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
63 d early
2024
65 d early
2023
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€42k▲ 155%
2024 · €16k
2023: €10k
2024: €16k
2023 → 2025
Total assets
€57k▼ 12.6%
2024 · €66k
2023: €22k
2024: €66k
2023 → 2025
Net result
€25k▲ 276%
2024 · €7k
2023: €8k
2024: €7k
2023 → 2025
Working capital
€42k▲ 155%
2024 · €16k
2023: €10k
2024: €16k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€16k▲ 70.6%€42k▲ 155%
Operating result€9k-€7k▼ 30.8%€34k▲ 417%
Net result€8k-€7k▼ 10.7%€25k▲ 276%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 417% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €57k
Equity
€42k▲ 155%
Debt
€16k▼ 67.9%
The debt ratio falls from 75.3% to 27.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
72.3%▲
2024 · 24.7%
Current ratio
3.62▲
2024 · 1.33
Quick ratio
3.62▲
2024 · 1.33
Debt / equity
0.38▼
2024 · 3.04
ROE
60.9%▲
2024 · 41.4%
ROA
44.0%▲
2024 · 10.2%
Debt
€16k▼
2024 · €49k
Debt ≤ 1 year
€16k▼
2024 · €49k
Income taxes
€9k▲
2024 · €-201
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€66k€57k▼
Current assets29/58€66k€57k▼
Amounts receivable within one year40/41€37k€31k▼
Trade receivables40€29k€2k▼
Other amounts receivable41€7k€29k▲
Cash at bank and in hand54/58€29k€26k▼
Equity and liabilities
Total equity and liabilities10/49€66k€57k▼
Equity10/15€16k€42k▲
Contributions10/11€2k€2k=
Reserves13€14k€40k▲
Distributable reserves133€14k€40k▲
Amounts payable17/49€49k€16k▼
Amounts payable within one year42/48€49k€16k▼
Trade debts44€38k€4k▼
Suppliers440/4€38k€4k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Other operating charges640/8€118€520▲
Gross operating margin9900€7k€34k▲
Operating profit (loss)9901€7k€34k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€24€21▼
Recurring financial charges65€24€21▼
Profit (loss) for the period before taxes9903€7k€34k▲
Income taxes67/77€-201€9k▲
Profit (loss) for the period9904€7k€25k▲
Profit (loss) for the period to be appropriated9905€7k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€25k▲
Transfer to equity691/2€7k€25k▲
To other reserves6921€7k€25k▲
The notes to these accounts (1 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €25k ▲276%
Operating result €34k, net result €25k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.62
Current ratio from 1.33 to 3.62; short-term debt falls from €49k to €16k.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €7k ▼10.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kapellen · 1 establishment unit since 2022
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.
Duinendreef 42950 KapellenGround area
6,198 m²
Building footprint
317 m²
Volume, LiDAR
1,783 m³
Parcel 11023I0180/00E037, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ceresmar
since 20222.338.802.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023I0180/00E037 | Flanders | 6,198 m² | 1 · 317 m² | 10.8 m · 2 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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared address
→
Shared address
→
Similar companies · same sector, comparable size
VINTAGE STEALS
BE 0658.848.447
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BIZW
BE 0767.896.936
Pelt · Eq €42k
H.A. Kuijs Beheer
BE 1001.516.684
Brasschaat · Eq €41k
EIKEN PROJECT
BE 0833.656.008
Antwerpen · Eq €42k
Karwei Arrova
BE 0823.306.603
Hasselt · Eq €41k
Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 1,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2022
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
46140Agents in the wholesale of industrial machinery, ships and aircraft
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.