CERETAX
ActiveCERETAX has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €19k. Equity is growing by ~50.5% per year across the filed fiscal years. Its solvency ranks better than 66% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+6
Solvency81▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.44 in 2024; short-term debt: 37.3% and cash: 15.4% of total assets), and 44.3% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
55.7%
Return on assets
8.8%
Age of the figures
9 mo
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
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
145 d late
2022
3 d late
2021
44 d early
2020
27 d late
2019
19 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▲ 18.8%
2024 · €100k
2018: €-6k
2019: €-11k
2020: €23k
2021: €29k
2022: €47k
2023: €88k
2024: €100k
2018 → 2025
Total assets
€212k▼ 24.1%
2024 · €280k
2018: €88k
2019: €65k
2020: €100k
2021: €164k
2022: €173k
2023: €255k
2024: €280k
2018 → 2025
Net result
€19k▲ 60.2%
2024 · €12k
2018: €-12k
2019: €-5k
2020: €34k
2021: €6k
2022: €18k
2023: €41k
2024: €12k
2018 → 2025
Working capital
€-17k▲ 76.8%
2024 · €-72k
2018: €5k
2019: €-8k
2020: €23k
2021: €-64k
2022: €9k
2023: €-82k
2024: €-72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€47k▲ 62.0%€88k▲ 87.2%€100k▲ 13.3%€118k▲ 18.8%
Operating result€15k-€28k▲ 90.1%€63k▲ 124%€29k▼ 54.1%€32k▲ 9.3%
Net result€6k-€18k▲ 182%€41k▲ 128%€12k▼ 71.5%€19k▲ 60.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €212k
Fixed assets
€150k▼ 32.8%
Current assets
€63k▲ 9.7%
Equity and liabilities €212k
Equity
€118k▲ 18.8%
Debt
€94k▼ 47.8%
The debt ratio falls from 64.4% to 44.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▼
2024 · €100k
Cash flow
€79k▼
2024 · €83k
Solvency
55.7%▲
2024 · 35.6%
Current ratio
0.79▲
2024 · 0.44
Quick ratio
0.79▲
2024 · 0.44
Debt / equity
0.80▼
2024 · 1.81
ROE
15.8%▲
2024 · 11.7%
ROA
8.8%▲
2024 · 4.2%
Interest coverage
18.40▲
2024 · 16.33
Debt
€94k▼
2024 · €181k
Debt ≤ 1 year
€79k▼
2024 · €129k
Debt > 1 year
€15k▼
2024 · €51k
Income taxes
€8k▼
2024 · €11k
Staff costs
€113k▼
2024 · €122k
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€280k€212k▼
Fixed assets21/28€223k€150k▼
Tangible fixed assets22/27€223k€149k▼
Land and buildings22€738€399▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€214k€144k▼
Financial fixed assets28€505€505=
Current assets29/58€57k€63k▲
Amounts receivable within one year40/41€30k€28k▼
Trade receivables40€26k€17k▼
Other amounts receivable41€4k€11k▲
Cash at bank and in hand54/58€27k€33k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€280k€212k▼
Equity10/15€100k€118k▲
Contributions10/11€19k€19k=
Reserves13€81k€100k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€79k€98k▲
Amounts payable17/49€181k€94k▼
Amounts payable after more than one year17€51k€15k▼
Financial debts170/4€51k€15k▼
Amounts payable within one year42/48€129k€79k▼
Current portion of amounts payable after more than one year42€62k€37k▼
Trade debts44€12k€7k▼
Suppliers440/4€12k€7k▼
Taxes, remuneration and social security45€24k€14k▼
Taxes450/3€9k€572▼
Remuneration and social security454/9€14k€13k▼
Other amounts payable47/48€31k€21k▼
Accrued charges and deferred income492/3€576€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€122k€113k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€60k▼
Other operating charges640/8€18k€11k▼
Non-recurring operating charges66A€3k€2k▼
Gross operating margin9900€243k€218k▼
Operating profit (loss)9901€29k€32k▲
Financial income75/76B€25€1▼
Recurring financial income75€25€1▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€23k€27k▲
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€12k€19k▲
Profit (loss) for the period to be appropriated9905€12k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€19k▲
Transfer to equity691/2€12k€19k▲
To other reserves6921€12k€19k▲
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €118k ▲18.8%
6 profitable years in a row build equity to €118k.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 145 days late
2023
31-12
Financial
Highest result since 2018net €41k ▲128%
Operating result €63k, net result €41k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Liquidity times 5current ratio 1.57
Current ratio from 0.30 to 1.57; short-term debt falls from €92k to €17k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 2.60
Current ratio from 0.68 to 2.60; short-term debt falls from €25k to €14k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zottegem · 1 establishment unit since 2013
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.
Buke 1139620 ZottegemGround area
940 m²
Building footprint
167 m²
Volume, LiDAR
683 m³
Parcel 41035A0195/00Y000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CERETAX
since 20132.215.936.492
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41035A0195/00Y000 | Flanders | 940 m² | 1 · 167 m² | 7.1 m · 1 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.
Similar companies · same sector, comparable size
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BATI PRO SERVICES
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VC SERVICES BELGIE
BE 0831.781.829
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TAXIS DES GUILLEMINS
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Ans · Eq €117k
Of 6,686 companies in sector 49330 we hold annual accounts for 2,284. 1,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2013
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49410Freight transport by road
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.