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Generated 19-07-2026
Active BE 0758.750.628Private limited company

CERITER

Merelstraat 7 ·3620 Lanaken, Belgium· 5 yrs active
Sector: Computer programming & consultancy (62200)
Conclusion Checked

The computed 12-month bankruptcy probability of CERITER is 0.6% (low). The 2024 annual accounts show equity of €428k and a net result of €-280k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 556 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €428k
Net result €-280k
Better than sector 61%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health48Profitability0Solvency94Growth52Stability94
58 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 48
Profitability 0
Solvency 94
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
48 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · verkort
€-300k€-200k€-100k€0Operating result 2021: €-4k€-4kNet result 2021: €-4k€-4kOperating result 2022: €-36k€-36kNet result 2022: €-37k€-37kOperating result 2023: €11k€11kNet result 2023: €11k€11kOperating result 2024: €-235k€-235kNet result 2024: €-280k€-280k2021202220232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 48.5% 34.7%
better than 61% of 556 sector peers
Net result €-280k €15k
better than 10% of 556 sector peers
Equity €428k €74k
better than 81% of 556 sector peers
Gross operating margin €-152k €81k
better than 6% of 555 sector peers
Total assets €881k €312k
better than 72% of 556 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-157k
- far below sector median
Net profit
€-280k
- far below sector median
Cash flow
€-201k
- far below sector median
Total assets
€881k
+100.6% +210% vs sector
Equity
€428k
+1346.6% +127% vs sector
Working capital
€470k
+463.4% far above sector median
Employees (FTE)
0
- -100% vs sector
Debt
€453k
+10.7% far above sector median
Debt ≤ 1y
€70k
+137.2% far above sector median
Debt > 1y
€384k
+0.9% far above sector median
Current ratio
7.74
+101.7% -9% vs sector
Quick ratio
7.59
+97.6% -11% vs sector
Solvency
48.5%
+621.1% -46% vs sector
Debt / equity
1.06
-92.3% far above sector median
ROE
-65.4%
- far below sector median
ROA
-31.8%
- far below sector median
Interest coverage
-3.49
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€-157k
Net profit€-280k
Cash flow€-201k
Staff costs-
Income taxes-
Dividends-
Total assets€881k
Equity€428k
Debt€453k
of which ≤ 1y€70k
of which > 1y€384k
Working capital€470k
Employees (FTE)-
Ratios (computed)
2024
Current ratio7.74
Quick ratio7.59
Working capital ratio53.3%
Solvency48.5%
Debt / equity1.06
Long-term debt ratio0.90
Interest coverage-3.49
Gross margin-
Net margin-
ROA-31.8%
ROE-65.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€881k
Fixed assets 21/28€342k
Intangible fixed assets 21€340k
Financial fixed assets 28€2k
Current assets 29/58€539k
Stocks & contracts in progress 3€11k
Amounts receivable within one year 40/41€288k
Cash & bank 54/58€241k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€881k
Equity 10/15€428k
Contributions / capital 10/11€738k
Accumulated profits (losses) 14€-310k
Amounts payable 17/49€453k
Amounts payable after one year 17€384k
Amounts payable within one year 42/48€70k
Trade debts payable within one year 44€67k
Income statement
Gross operating margin 9900€-152k
Operating result 9901€-235k
Financial income 75€280
Financial charges 65€45k
Result before taxes 9903€-280k
Net result for the period 9904€-280k
Result to be appropriated 9905€-280k
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Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62200)
Legal form Private limited company(610)
Incorporation25-11-2020
StatusActive
Postal code3620
Establishment units 1 location
CERITER
Merelstraat 7, 3620 LanakenGroothandel in orthopedische artikelen
since 20202.311.747.946
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73322A0257/00L000 Flanders 4,762 m² 1 · 649 m² 23.5 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
27-01-2025
State Gazette act Director changes
2024
19-12-2024
State Gazette act Capital & shares
Tim CARNEWAL
24-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
31-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
20-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
Belgisch Staatsblad, acts 2 acts
Capital history · 1
19-12-2024
Capital change
All acts · 2 updated 1 year ago
2025
27-01-2025 5 directors appointed Director changes
  • Limet Caymax CommV, Commissaris
  • Jan Limet, Gedelegeerd bestuurder
  • Olivier Van Raemdonck, Vaste vertegenwoordiger
  • Dominik Verbist, Vaste vertegenwoordiger
  • Bas Stobbelaar, Vaste vertegenwoordiger
Technical details 
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2024
19-12-2024 Capital increase of €420,528.24 Capital & shares·Tim CARNEWAL
  • Inbreng in geld · Apport en numéraire
  • 4 kapitaalbewegingen in deze akte
Notary: Tim CARNEWAL · BrusselFirm: BERQUIN NOTARISSEN
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL CERITER
Registered office
Merelstraat 7
3620 Lanaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative