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CERFELI

Active Risk: not assessed
Private limited companyfounded 20251 yr activeMaalhofdijk 2, 2220 Heist-op-den-Berg, BelgiumKBO/BCE: BE 1026.403.817
Summary

CERFELI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €14,412 and a net result of €13,412. Its solvency ranks better than 12% of 5565 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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CERFELIActive
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Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 11 August 2025, CERFELI 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, abbreviated schema

Equity
€14,412
Net result
€13,412
Total assets
€169,418
Solvency
8.5%

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

Balance-sheet composition
Assets €169,418
Fixed assets €128,941
Current assets €40,477
Equity and liabilities €169,418
Equity €14,412
Debt €155,006
Debt finances 91.5% of the balance-sheet total.
Key figures and ratios
2025 value
ROE
93.1%
ROA
7.9%
Debt ≤ 1 year
€92,234
Debt > 1 year
€62,772
Income taxes
€4,893
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€169,418
Fixed assets21/28€128,941
Tangible fixed assets22/27€955
Furniture and vehicles24€955
Financial fixed assets28€127,986
Current assets29/58€40,477
Amounts receivable within one year40/41€11,000
Trade receivables40€11,000
Cash at bank and in hand54/58€17,744
Deferred charges and accrued income490/1€11,733
Equity and liabilities
Total equity and liabilities10/49€169,418
Equity10/15€14,412
Contributions10/11€1,000
Profit (loss) carried forward14€13,412
Amounts payable17/49€155,006
Amounts payable after more than one year17€62,772
Financial debts170/4€62,772
Amounts payable within one year42/48€92,234
Current portion of amounts payable after more than one year42€9,820
Trade debts44€1,865
Suppliers440/4€1,865
Taxes, remuneration and social security45€7,767
Taxes450/3€5,267
Remuneration and social security454/9€2,500
Other amounts payable47/48€72,782
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€449
Other operating charges640/8€440
Gross operating margin9900€20,271
Operating profit (loss)9901€19,382
Financial charges65/66B€1,077
Recurring financial charges65€1,077
Profit (loss) for the period before taxes9903€18,305
Income taxes67/77€4,893
Profit (loss) for the period9904€13,412
Profit (loss) for the period to be appropriated9905€13,412
Appropriation of the result
Profit (loss) to be appropriated9906€13,412

The notes to these accounts (13 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€449
Other operating charges640/8€440
Gross operating margin9900€20,271
Operating profit (loss)9901€19,382
Financial charges65/66B€1,077
Recurring financial charges65€1,077
Profit (loss) for the period before taxes9903€18,305
Income taxes67/77€4,893
Profit (loss) for the period9904€13,412
Profit (loss) for the period to be appropriated9905€13,412
Line2025
Assets
Total assets20/58€169,418
Fixed assets21/28€128,941
Tangible fixed assets22/27€955
Furniture and vehicles24€955
Financial fixed assets28€127,986
Current assets29/58€40,477
Amounts receivable within one year40/41€11,000
Trade receivables40€11,000
Cash at bank and in hand54/58€17,744
Deferred charges and accrued income490/1€11,733
Equity and liabilities
Total equity and liabilities10/49€169,418
Equity10/15€14,412
Contributions10/11€1,000
Profit (loss) carried forward14€13,412
Amounts payable17/49€155,006
Amounts payable after more than one year17€62,772
Financial debts170/4€62,772
Amounts payable within one year42/48€92,234
Current portion of amounts payable after more than one year42€9,820
Trade debts44€1,865
Suppliers440/4€1,865
Taxes, remuneration and social security45€7,767
Taxes450/3€5,267
Remuneration and social security454/9€2,500
Other amounts payable47/48€72,782
Line2025
Profit (loss) for the period9904€13,412
+ Depreciation and write-downs630€449
Operating cash flow (approximation)€13,861

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 · abbreviated 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
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, Heist-op-den-Berg · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,210 m²
Building footprint
182 m²
Parcel 12014D0207/00R003, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
CERFELI
Maalhofdijk 2, 2220 Heist-op-den-BergBusiness and other management consultancy
since 20252.377.071.211
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12014D0207/00R003 Flanders 1,210 m² 1 · 182 m² 0.1 m
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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

According to the 2025 annual accounts of CERFELI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

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THINGS DIFFUSION
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HSBP
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Saint-Hubert · Eq €14,370
Anralou Holding
BE 1029.637.776
Virton · Eq €14,457
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 6,250 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded11-08-2025
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:1026403817
Also 9925:BE1026403817
Registered 27-10-2025

Register as of 27 September 2026 · Peppol Directory

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

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