CERONA
ActiveSummary
CERONA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 49% of 1517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+7
Solvency55▲+3
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.85 in 2024; short-term debt: 43.5% and cash: 4.1% of total assets), and 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
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
30.1%
Return on assets
1.1%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
5 d early
2021
5 d early
2020
3 d early
2018
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 3.7%
2024 · €88k
2018: €90k
2020: €82k
2021: €94k
2022: €101k
2023: €103k
2024: €88k
2018 → 2025
Total assets
€302k▼ 6.9%
2024 · €325k
2018: €129k
2020: €116k
2021: €155k
2022: €266k
2023: €300k
2024: €325k
2018 → 2025
Net result
€3k
2024 · €-16k
2018: €24k
2020: €23k
2021: €12k
2022: €32k
2023: €27k
2024: €-16k
2018 → 2025
Working capital
€-12k▲ 30.4%
2024 · €-18k
2018: €56k
2020: €38k
2021: €56k
2022: €-4k
2023: €20k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€101k▲ 7.2%€103k▲ 2.1%€88k▼ 15.2%€91k▲ 3.7%
Operating result€15k-€41k▲ 173%€43k▲ 5.4%€-8k€11k
Net result€12k-€32k▲ 162%€27k▼ 14.7%€-16k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€183k ▼ 18.9%
Current assets
€119k ▲ 20.4%
Equity and liabilities €302k
Equity
€91k ▲ 3.7%
Debt
€211k ▼ 10.9%
Debt's share of the balance-sheet total falls from 73.0% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €51k
Cash flow
€64k▲
2024 · €43k
Current ratio
0.91▲
2024 · 0.85
Debt to equity
2.32▼
2024 · 2.71
ROE
3.6%▲
2024 · -17.9%
ROA
1.1%▲
2024 · -4.8%
Interest coverage
8.38▲
2024 · 6.41
Debt ≤ 1 year
€132k▲
2024 · €117k
Debt > 1 year
€80k▼
2024 · €120k
Income taxes
€205▼
2024 · €245
Staff costs
€147k▲
2024 · €146k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€302k▼
Fixed assets21/28€226k€183k▼
Tangible fixed assets22/27€222k€179k▼
Plant, machinery and equipment23€8k€9k▲
Furniture and vehicles24€214k€170k▼
Financial fixed assets28€4k€4k=
Current assets29/58€99k€119k▲
Amounts receivable within one year40/41€85k€99k▲
Trade receivables40€60k€60k▼
Other amounts receivable41€25k€39k▲
Cash at bank and in hand54/58€7k€12k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€325k€302k▼
Equity10/15€88k€91k▲
Contributions10/11€5k€5k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€47k€51k▲
Amounts payable17/49€237k€211k▼
Amounts payable after more than one year17€120k€80k▼
Financial debts170/4€120k€80k▼
Amounts payable within one year42/48€117k€132k▲
Current portion of amounts payable after more than one year42€50k€48k▼
Trade debts44€38k€46k▲
Suppliers440/4€38k€46k▲
Taxes, remuneration and social security45€18k€12k▼
Taxes450/3€5k€7▼
Remuneration and social security454/9€13k€12k▼
Other amounts payable47/48€10k€26k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€25k▲
Remuneration, social security and pensions62€146k€147k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€61k▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€1k-
Gross operating margin9900€204k€222k▲
Operating profit (loss)9901€-8k€11k▲
Financial income75/76B€657€920▲
Recurring financial income75€657€920▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€-15k€3k▲
Income taxes67/77€245€205▼
Profit (loss) for the period9904€-16k€3k▲
Profit (loss) for the period to be appropriated9905€-16k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€51k▲
Profit (loss) brought forward from the previous period14P€63k€47k▼
The notes to these accounts (11 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-16k ▼158%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €32k ▲162%
Net result €32k, the highest in the series.
31-12
Financial
Equity above €100kEq €101k ▲7.2%
4 profitable years in a row build equity to €101k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 1998
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.
Irène Joliotstraat 209032 GentGround area
316 m²
Building footprint
90 m²
Volume, LiDAR
553 m³
Parcel 44074C0274/00M002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERONA
since 19982.087.195.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0274/00M002 | Flanders | 316 m² | 1 · 90 m² | 9.0 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 10,748 EUR awarded · 10,748 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,970 EUR | 2,970 EUR |
| 2024 | 1 | 4,647 EUR | 4,647 EUR |
| 2023 | 1 | 3,131 EUR | 3,131 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 361 companies in sector 77120 we hold annual accounts for 233. 147 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
77120Rental and leasing activities
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:cerona@wol.be
Phone:0477/522073