@CETERA
ActiveSummary
@CETERA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296,864 and a net result of €5,863. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 31840 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▼-21
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 23.66 against 24.71 in 2024; short-term debt: 3.7% and cash: 0% of total assets), and 7.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
92.1%
Return on assets
1.8%
Age of the figures
12 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 d early
2021
2 d late
2020
2 d early
2019
21 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€296,864▲ 2.0%
2024 · €291,001
Total assets
€322,337▲ 6.5%
2024 · €302,715
Net result
€5,863▼ 38.6%
2024 · €9,555
Working capital
€272,699▼ 1.8%
2024 · €277,740
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,816€51,223▲ 1,719%€34,490▼ 32.7%€21,800▼ 36.8%€8,588▼ 60.6%
Net result€2,422€44,146▲ 1,723%€22,870▼ 48.2%€9,555▼ 58.2%€5,863▼ 38.6%
Equity€214,429▲ 1.1%€258,575▲ 20.6%€281,445▲ 8.8%€291,001▲ 3.4%€296,864▲ 2.0%
Total assets€293,208▲ 6.1%€320,017▲ 9.1%€323,078▲ 1.0%€302,715▼ 6.3%€322,337▲ 6.5%
Debt€78,779▲ 22.2%€61,442▼ 22.0%€41,633▼ 32.2%€11,714▼ 71.9%€25,473▲ 117%
Working capital€204,349▲ 1.0%€251,111▲ 22.9%€268,691▲ 7.0%€277,740▲ 3.4%€272,699▼ 1.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322,337
Fixed assets
€37,604 ▲ 184%
Current assets
€284,734 ▼ 1.6%
Equity and liabilities €322,337
Equity
€296,864 ▲ 2.0%
Debt
€25,473 ▲ 117%
Debt's share of the balance-sheet total rises from 3.9% to 7.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14,819▼
2024 · €26,288
Cash flow
€12,094▼
2024 · €14,043
Current ratio
23.66▼
2024 · 24.71
Debt to equity
0.09▲
2024 · 0.04
ROE
2.0%▼
2024 · 3.3%
ROA
1.8%▼
2024 · 3.2%
Interest coverage
3.75▼
2024 · 6.09
Debt ≤ 1 year
€12,035▲
2024 · €11,714
Debt > 1 year
€13,438
Income taxes
€7,000▼
2024 · €7,950
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,258 | €4,684 | €5,889 | €4,487 | €6,231 | ▲ 38.9% |
| Other operating charges640/8 | €1,208 | €1,636 | €1,974 | €1,186 | €1,175 | ▼ 1.0% |
| Gross operating margin9900 | €11,281 | €57,543 | €42,354 | €27,474 | €15,993 | ▼ 41.8% |
| Operating profit (loss)9901 | €2,816 | €51,223 | €34,490 | €21,800 | €8,588 | ▼ 60.6% |
| Financial income75/76B | €0 | €0 | €939 | €25 | €8,230 | ▲ 32,599% |
| Recurring financial income75 | €0 | €0 | €939 | €25 | €8,230 | ▲ 32,599% |
| Financial charges65/66B | €394 | €5,026 | €3,900 | €4,320 | €3,955 | ▼ 8.5% |
| Recurring financial charges65 | €394 | €5,026 | €3,900 | €4,320 | €3,955 | ▼ 8.5% |
| Profit (loss) for the period before taxes9903 | €2,422 | €46,197 | €31,529 | €17,506 | €12,864 | ▼ 26.5% |
| Income taxes67/77 | - | €2,051 | €8,659 | €7,950 | €7,000 | ▼ 11.9% |
| Profit (loss) for the period9904 | €2,422 | €44,146 | €22,870 | €9,555 | €5,863 | ▼ 38.6% |
| Profit (loss) for the period to be appropriated9905 | €2,422 | €44,146 | €22,870 | €9,555 | €5,863 | ▼ 38.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €293,208 | €320,017 | €323,078 | €302,715 | €322,337 | ▲ 6.5% |
| Fixed assets21/28 | €10,080 | €7,464 | €12,755 | €13,261 | €37,604 | ▲ 184% |
| Tangible fixed assets22/27 | €10,080 | €7,464 | €12,755 | €13,261 | €37,604 | ▲ 184% |
| Plant, machinery and equipment23 | - | €1,223 | €2,914 | €5,249 | €3,787 | ▼ 27.8% |
| Furniture and vehicles24 | €9,173 | €5,765 | €9,796 | €8,012 | €33,816 | ▲ 322% |
| Other tangible fixed assets26 | €907 | €476 | €45 | - | - | - |
| Current assets29/58 | €283,128 | €312,553 | €310,324 | €289,454 | €284,734 | ▼ 1.6% |
| Amounts receivable within one year40/41 | €30,518 | €28,879 | €39,310 | €32,436 | €50,089 | ▲ 54.4% |
| Trade receivables40 | €19,602 | €28,838 | €39,310 | €25,200 | €29,860 | ▲ 18.5% |
| Other amounts receivable41 | €10,916 | €41 | - | €7,236 | €20,229 | ▲ 180% |
| Current investments50/53 | €247,548 | €266,751 | €266,751 | €251,751 | €234,227 | ▼ 7.0% |
| Cash at bank and in hand54/58 | €5,062 | €16,923 | €4,020 | €5,020 | €20 | ▼ 99.6% |
| Deferred charges and accrued income490/1 | - | - | €243 | €247 | €397 | ▲ 60.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €293,208 | €320,017 | €323,078 | €302,715 | €322,337 | ▲ 6.5% |
| Equity10/15 | €214,429 | €258,575 | €281,445 | €291,001 | €296,864 | ▲ 2.0% |
| Contributions10/11 | €256,200 | €256,200 | €256,200 | €256,200 | €256,200 | = |
| Reserves13 | €7,510 | €7,510 | €25,245 | €34,801 | €40,664 | ▲ 16.8% |
| Non-distributable reserves130/1 | €7,510 | €7,510 | €7,510 | €7,510 | €7,510 | = |
| Reserves not available under the articles1311 | €7,510 | €7,510 | €7,510 | €7,510 | €7,510 | = |
| Distributable reserves133 | - | - | €17,735 | €27,291 | €33,154 | ▲ 21.5% |
| Profit (loss) carried forward14 | -€49,281 | -€5,135 | - | - | - | - |
| Amounts payable17/49 | €78,779 | €61,442 | €41,633 | €11,714 | €25,473 | ▲ 117% |
| Amounts payable after more than one year17 | - | - | - | - | €13,438 | - |
| Financial debts170/4 | - | - | - | - | €13,438 | - |
| Amounts payable within one year42/48 | €78,779 | €61,442 | €41,633 | €11,714 | €12,035 | ▲ 2.7% |
| Current portion of amounts payable after more than one year42 | €1,794 | - | €2,703 | - | €1,683 | - |
| Financial debts43 | - | - | €4,673 | €1,050 | €2,153 | ▲ 105% |
| Credit institutions430/8 | - | - | €4,673 | €1,050 | €2,153 | ▲ 105% |
| Trade debts44 | €1,092 | €1,376 | €3,738 | €5,149 | €6,198 | ▲ 20.4% |
| Suppliers440/4 | €1,092 | €1,376 | €3,738 | €5,149 | €6,198 | ▲ 20.4% |
| Taxes, remuneration and social security45 | €384 | €9,704 | €6,351 | €5,469 | €2,000 | ▼ 63.4% |
| Taxes450/3 | €384 | €8,684 | €4,937 | €4,009 | €2,000 | ▼ 50.1% |
| Remuneration and social security454/9 | - | €1,020 | €1,415 | €1,460 | - | - |
| Other amounts payable47/48 | €75,509 | €50,362 | €24,168 | €46 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,422 | €44,146 | €22,870 | €9,555 | €5,863 | ▼ 38.6% |
| + Depreciation and write-downs630 | €7,258 | €4,684 | €5,889 | €4,487 | €6,231 | ▲ 38.9% |
| Operating cash flow (approximation) | €9,680 | €48,830 | €28,760 | €14,043 | €12,094 | ▼ 13.9% |
| Investment in fixed assets (approximation) | - | -€2,068 | -€11,180 | -€4,994 | -€30,574 | ▼ 512% |
| Change in cash | - | €11,861 | -€12,903 | €1,000 | -€5,000 | ▼ 600% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity triplescurrent ratio 24.71
Current ratio from 7.45 to 24.71; short-term debt falls from €41,633 to €11,714.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €44,146 ▲1,723%
Operating result €51,223, net result €44,146, both a record.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-09
Financial
Back to profitnet €2,422
Net result €2,422 after 3 loss-making years.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet -€19,653
Net result drops to -€19,653, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Zonhoven · 1 establishment unit since 2010
Ground area
2,212 m²
Building footprint
212 m²
Volume, LiDAR
1,089 m³
Parcel 71444C0001/00L013, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
@CETERA
since 20102.194.192.953
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71444C0001/00L013 | Flanders | 2,212 m² | 1 · 212 m² | 7.4 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9676000SWJ1JADGN6Z98
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,583. 38,201 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
Founded19-11-2010
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
E-mail
paul_pilotto@asist.beZonhoven
Phone
011/825213Zonhoven
Fax
011/825244Zonhoven
Scores and ratios are computed by Checked and are not a credit decision.