CEVERTINVEST
ActiveSummary
CEVERTINVEST has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €263k and a net result of €116k. Equity is growing by ~73% per year across the filed fiscal years. Its solvency ranks better than 34% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+5
Solvency38▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.64 in 2023; short-term debt: 36.6% and cash: 1.6% of total assets), and 86.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
50 d early
2022
48 d early
2021
37 d early
2020
40 d early
2019
5 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€263k▲ 78.9%
2023 · €147k
2018: €-2k
2019: €-31k
2020: €-49k
2021: €61k
2022: €105k
2023: €147k
2018 → 2024
Total assets
€1.97M▼ 6.0%
2023 · €2.10M
2018: €764k
2019: €1.16M
2020: €1.12M
2021: €1.68M
2022: €1.64M
2023: €2.10M
2018 → 2024
Net result
€116k▲ 173%
2023 · €42k
2018: €-15k
2019: €-28k
2020: €-19k
2021: €110k
2022: €44k
2023: €42k
2018 → 2024
Working capital
€-68k▲ 78.4%
2023 · €-316k
2018: €-175k
2019: €-320k
2020: €-297k
2021: €-352k
2022: €-311k
2023: €-316k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-49k-€61k€105k▲ 71.9%€147k▲ 40.5%€263k▲ 78.9%
Operating result€-4k-€155k€79k▼ 48.8%€83k▲ 5.2%€201k▲ 141%
Net result€-19k-€110k€44k▼ 60.2%€42k▼ 3.1%€116k▲ 173%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 141% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.32M ▼ 14.1%
Current assets
€654k ▲ 16.2%
Equity and liabilities €1.97M
Equity
€263k ▲ 78.9%
Debt
€1.71M ▼ 12.4%
Debt's share of the balance-sheet total falls from 93.0% to 86.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€271k▲
2023 · €173k
Cash flow
€185k▲
2023 · €131k
Current ratio
0.91▲
2023 · 0.64
Quick ratio
0.43▲
2023 · 0.16
Debt to equity
6.50▼
2023 · 13.26
ROE
44.1%▲
2023 · 28.8%
ROA
5.9%▲
2023 · 2.0%
Interest coverage
8.85▲
2023 · 8.09
Debt ≤ 1 year
€722k▼
2023 · €878k
Debt > 1 year
€967k▼
2023 · €1.06M
Income taxes
€55k▲
2023 · €20k
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 · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.10M€1.97M▼
Fixed assets21/28€1.53M€1.32M▼
Tangible fixed assets22/27€1.53M€1.32M▼
Land and buildings22€1.53M€1.32M▼
Current assets29/58€563k€654k▲
Stocks and contracts in progress3€420k€344k▼
Stocks30/36€420k€344k▼
Amounts receivable within one year40/41€121k€272k▲
Trade receivables40€840-
Other amounts receivable41€120k€272k▲
Cash at bank and in hand54/58€8k€32k▲
Deferred charges and accrued income490/1€14k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.10M€1.97M▼
Equity10/15€147k€263k▲
Contributions10/11€12k€12k=
Reserves13€127k€227k▲
Distributable reserves133€127k€227k▲
Profit (loss) carried forward14€8k€24k▲
Amounts payable17/49€1.95M€1.71M▼
Amounts payable after more than one year17€1.06M€967k▼
Financial debts170/4€1.06M€967k▼
Amounts payable within one year42/48€878k€722k▼
Current portion of amounts payable after more than one year42€101k€97k▼
Trade debts44€2k€10k▲
Suppliers440/4€2k€10k▲
Taxes, remuneration and social security45€744€40k▲
Taxes450/3€744€40k▲
Other amounts payable47/48€775k€575k▼
Accrued charges and deferred income492/3€7k€19k▲
Income statement
Code20232024
Non-recurring operating income76A-€88k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€69k▼
Other operating charges640/8€12k€17k▲
Gross operating margin9900€185k€288k▲
Operating profit (loss)9901€83k€201k▲
Financial charges65/66B€21k€31k▲
Recurring financial charges65€21k€31k▲
Profit (loss) for the period before taxes9903€62k€171k▲
Income taxes67/77€20k€55k▲
Profit (loss) for the period9904€42k€116k▲
Profit (loss) for the period to be appropriated9905€42k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€124k▲
Profit (loss) brought forward from the previous period14P€7k€8k▲
Transfer to equity691/2€42k€100k▲
To other reserves6921€42k€100k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €116k ▲173%
Operating result €201k, net result €116k, both a record.
31-12
Financial
Equity above €200kEq €263k ▲78.9%
4 profitable years in a row build equity to €263k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €105k ▲71.9%
2 profitable years in a row build equity to €105k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €110k
Net result €110k after 3 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chaumont-Gistoux · 1 establishment unit since 2018
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.
Ch. de la Gorge aux Loups,Bonlez 31325 Chaumont-GistouxGround area
313 m²
Building footprint
67 m²
Volume, LiDAR
485 m³
Parcel 25083D0399/00T002, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CEVERTINVEST
since 20182.275.481.527
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083D0399/00T002 | Wallonia | 313 m² | 1 · 67 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
Consulting, Invest, Trading & Technologies
BE 0452.188.660
Sankt Vith · Eq €263,017
Filibert
BE 0465.270.792
Zedelgem · Eq €262,554
VOSKENS
BE 0436.641.738
Gent · Eq €262,400
PROBOCO
BE 0887.434.885
Aalst · Eq €262,388
VerreVerten
BE 1019.623.319
Olen · Eq €263,683
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,922 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
Founded07-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.