CEUSTERS & CO
ActiveCEUSTERS & CO 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 €361k and a net result of €51k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 1458 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
31 d early
2023
8 d early
2022
12 d early
2021
3 d early
2020
15 d early
2019
45 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€361k▲ 16.3%
2024 · €310k
2018: €183k
2019: €203k
2020: €223k
2021: €266k
2022: €291k
2023: €302k
2024: €310k
2018 → 2025
Net result
€51k▼ 6.3%
2024 · €54k
2018: €32k
2019: €20k
2020: €19k
2021: €43k
2022: €102k
2023: €51k
2024: €54k
2018 → 2025
Total assets
€412k▲ 2.1%
2024 · €404k
2018: €693k
2019: €661k
2020: €626k
2021: €618k
2022: €370k
2023: €391k
2024: €404k
2018 → 2025
Solvency
87.6%▲ 10.7pp
2024 · 76.9%
2018: 26.4%
2019: 30.8%
2020: 35.6%
2021: 43.0%
2022: 78.6%
2023: 77.2%
2024: 76.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€291k▲ 9.6%€302k▲ 3.9%€310k▲ 2.7%€361k▲ 16.3%
Operating result€61k-€59k▼ 2.2%€55k▼ 8.0%€61k▲ 11.0%€71k▲ 17.5%
Net result€43k-€102k▲ 138%€51k▼ 49.7%€54k▲ 5.6%€51k▼ 6.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €412k
Fixed assets
€254k▼ 9.8%
Current assets
€158k▲ 29.6%
Equity and liabilities €412k
Equity
€361k▲ 16.3%
Debt
€51k▼ 45.3%
The debt ratio falls from 23.1% to 12.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
87.6%▲
2024 · 76.9%
ROE
14.0%▼
2024 · 17.4%
ROA
12.3%▼
2024 · 13.4%
Debt
€51k▼
2024 · €93k
Debt ≤ 1 year
€36k▼
2024 · €70k
Debt > 1 year
€15k▼
2024 · €23k
Income taxes
€20k▲
2024 · €4k
Staff costs
€58k▲
2024 · €56k
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€404k€412k▲
Fixed assets21/28€282k€254k▼
Tangible fixed assets22/27€282k€254k▼
Land and buildings22€229k€215k▼
Furniture and vehicles24€53k€39k▼
Current assets29/58€122k€158k▲
Amounts receivable within one year40/41€38k€20k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€35k€18k▼
Current investments50/53-€77k
Cash at bank and in hand54/58€80k€61k▼
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€404k€412k▲
Equity10/15€310k€361k▲
Contributions10/11€19k€19k=
Reserves13€170k€221k▲
Distributable reserves133€170k€221k▲
Profit (loss) carried forward14€121k€121k=
Amounts payable17/49€93k€51k▼
Amounts payable after more than one year17€23k€15k▼
Financial debts170/4€23k€15k▼
Amounts payable within one year42/48€70k€36k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€5k€739▼
Suppliers440/4€5k€739▼
Taxes, remuneration and social security45€11k€24k▲
Taxes450/3€2k€16k▲
Remuneration and social security454/9€8k€8k▼
Other amounts payable47/48€47k€3k▼
Accrued charges and deferred income492/3€42€3▼
Income statement
Code20242025
Remuneration, social security and pensions62€56k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€146k€158k▲
Operating profit (loss)9901€61k€71k▲
Financial income75/76B€449€977▲
Recurring financial income75€449€977▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€58k€70k▲
Income taxes67/77€4k€20k▲
Profit (loss) for the period9904€54k€51k▼
Profit (loss) for the period to be appropriated9905€54k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€167k€172k▲
Profit (loss) brought forward from the previous period14P€113k€121k▲
Transfer to equity691/2-€51k
To other reserves6921-€51k
Profit to be distributed694/7€46k€0▼
Directors or managers695€46k€0▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (17 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.75 to 4.41; short-term debt falls from €70k to €36k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €102k ▲138%
Net result €102k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €19k ▼3.2%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Equity above €200kEq €203k ▲10.9%
2 profitable years in a row build equity to €203k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Scherpenheuvel-Zichem · 1 establishment unit since 2003
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.
Westelsebaan 1703271 Scherpenheuvel-ZichemGround area
2,067 m²
Building footprint
1,148 m²
Volume, LiDAR
362 m³
Parcel 24005C0573/00G004, Flanders · tallest building 16.3 m. Linked by address, not a title deed.
1 establishment unit
CEUSTERS & CO
since 20032.132.387.127
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24005C0573/00G004 | Flanders | 2,067 m² | 1 · 1,148 m² | 16.3 m |
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
ARJ Conseils
BE 0746.802.901
Seneffe · Eq €361k
VERZEKERINGEN GERT MAES
BE 0467.702.227
Hasselt · Eq €361k
Assurances Zébière
BE 0862.317.429
Manage · Eq €360k
Bossens Christian
BE 0436.084.482
Hasselt · Eq €360k
PROXIF
BE 0834.643.824
Musson · Eq €363k
Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,694 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2003
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.