CEVAR

Active

Private limited companyfounded 200422 yrs activeRue Jean-Martin,St-Martin 82, 5190 Jemeppe-sur-Sambre, BelgiumKBO/BCE: BE 0864.493.593

Summary

The computed 12-month bankruptcy probability of CEVAR is 1.6% (moderate). The 2025 annual accounts show equity of €166,309 and a net result of €28,489. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 19338 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

CEVARActiveChecked score 54/100

Risk analysis Report Compare

Activity

General medical practice

NACE 86210

#8 oldest company in Jemeppe-sur-Sambre, Health and social work sector

Size

€297,832total assets 2025

Equity: €166,309
Profit: €28,489

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 1.6%

Structure

Accounts filed 61 d late0 of 2 deeds read

Why 54- 1 financial year not filed after the legal deadline; latest accounts 141 days late; 3 of the last 3 late- Liquidity: current ratio 2.07, cash €4,027- Figures for FY 2024 (filed 19-12-2025)+ Sector Human health activities (NACE 86)Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 33% of its sector peers (NACE 86, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 81+8

equity 55.8% of total assets

Liquidity 37+5

short-term debt 34.9% · cash 1.7%

Profitability 81-6

return on assets 9.6%

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (23,682 companies)

Last 24 months 11-2024: 1.1% 12-2024: 1.1%● 0.0% vs 11-2024 01-2025: 1.1%● 0.0% vs 12-2024 02-2025: 1.1%● 0.0% vs 01-2025 03-2025: 1.2%▲ +7.5% vs 02-2025 04-2025: 1.1%▼ -2.4% vs 03-2025 05-2025: 1.1%▼ -2.1% vs 04-2025 06-2025: 1.1%▼ -2.3% vs 05-2025 07-2025: 1.2%▲ +8.6% vs 06-2025 08-2025: 1.7%▲ +41.3% vs 07-2025 09-2025: 1.8%▲ +10.1% vs 08-2025 10-2025: 2.3%▲ +26.4% vs 09-2025 11-2025: 2.4%▲ +4.6% vs 10-2025 12-2025: 3.2%▲ +32.8% vs 11-2025highest value 01-2026: 0.6%▼ -80.5% vs 12-2025lowest value 02-2026: 0.6%● 0.0% vs 01-2026lowest value 03-2026: 0.7%▲ +13.6% vs 02-2026 04-2026: 0.7%▼ -0.6% vs 03-2026 05-2026: 0.7%▼ -0.6% vs 04-2026 06-2026: 0.7%▼ -7.6% vs 05-2026 07-2026: 0.7%▲ +12.8% vs 06-2026 08-2026: 1.2%▲ +57.3% vs 07-2026 09-2026: 1.3%▲ +10.7% vs 08-2026 10-2026: 1.6%▲ +26.4% vs 09-2026

Sector Human health activities (NACE 86) lowers the probability
1 financial year not filed after the legal deadline; latest accounts 141 days late; 3 of the last 3 late raises the probability
Liquidity: current ratio 2.07, cash €4,027 raises the probability
Figures for FY 2024 (filed 19-12-2025) raises the probability

Credit up to €8,000 at 30 days acceptable

Liquidity ample (current ratio 2.48 against 2.07 in 2024; short-term debt: 34.9% and cash: 1.7% of total assets), and 44.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 38%, liquidity 6%, profitability 40%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Human health activities (NACE 86)

In the bankruptcy model this factor lowers the probability.

KBO

1 financial year not filed after the legal deadline; latest accounts 141 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 2.07, cash €4,027

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2024 (filed 19-12-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 10 filings

Deviation from the deadline

2025

61 d late

2024

141 d late

2023

61 d late

2022

151 d late

2021

288 d late

2020

163 d late

2019

130 d late

← 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 142 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 19 December (4 of the last 5 filed years within 80 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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

30-09-26 Annual accounts filedfiscal year 2025 · micro…
19-12-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Highest result since 2018net €49,795 ▲31.5%

Key points

Positive: Oldest company in Jemeppe-sur-Sambre, Health and social work…in the Checked rankings #8 View
Caution: Latest accounts filed lateafter the legal deadline 61 d View
Positive: 8 profitable years in a rowprofit 2025: €28,489 8 years View