CEVIMER
ActiveCEVIMER has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €114k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 79% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+61
Solvency92▲+19
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 1.92 in 2024; short-term debt: 33.1% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
66.9%
Return on assets
57.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
21222425
2021 to 2025 · latest year €133k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
22 d late
2022
21 d late
2021
25 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€133k▲ 628%
2024 · €18k
2021: €31k
2022: €34k
2024: €18k
2021 → 2025
Total assets
€198k▲ 422%
2024 · €38k
2021: €56k
2022: €46k
2024: €38k
2021 → 2025
Net result
€114k▲ 29,767%
2024 · €383
2021: €21k
2022: €3k
2024: €383
2021 → 2025
Working capital
€133k▲ 628%
2024 · €18k
2021: €30k
2022: €33k
2024: €18k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Equity€31k-€34k▲ 10.8%€18k▼ 46.2%€133k▲ 628%
Operating result€26k-€5k▼ 81.0%€119▼ 97.6%€145k▲ 121,649%
Net result€21k-€3k▼ 83.9%€383▼ 88.4%€114k▲ 29,767%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 121,649% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €198k
Equity
€133k▲ 628%
Debt
€66k▲ 232%
The debt ratio falls from 52.0% to 33.1%. Equity and debt are higher.
Key figures and ratios
Solvency
66.9%▲
2024 · 48.0%
Current ratio
3.02▲
2024 · 1.92
Quick ratio
3.02▲
2024 · 1.92
Debt / equity
0.49▼
2024 · 1.09
ROE
86.3%▲
2024 · 2.1%
ROA
57.7%▲
2024 · 1.0%
Debt
€66k▲
2024 · €20k
Debt ≤ 1 year
€66k▲
2024 · €20k
Income taxes
€36k
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€38k€198k▲
Current assets29/58€38k€198k▲
Amounts receivable within one year40/41€38k€198k▲
Trade receivables40€3k€2k▼
Other amounts receivable41€35k€197k▲
Equity and liabilities
Total equity and liabilities10/49€38k€198k▲
Equity10/15€18k€133k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€8k€123k▲
Amounts payable17/49€20k€66k▲
Amounts payable within one year42/48€20k€66k▲
Trade debts44€20k€23k▲
Suppliers440/4€20k€23k▲
Taxes, remuneration and social security45-€42k
Taxes450/3-€42k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131-
Other operating charges640/8€141-
Gross operating margin9900€391€145k▲
Operating profit (loss)9901€119€145k▲
Financial income75/76B€373€5k▲
Recurring financial income75€373€5k▲
Financial charges65/66B€109€41▼
Recurring financial charges65€109€41▼
Profit (loss) for the period before taxes9903€383€150k▲
Income taxes67/77-€36k
Profit (loss) for the period9904€383€114k▲
Profit (loss) for the period to be appropriated9905€383€114k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€123k▲
Profit (loss) brought forward from the previous period14P€8k€8k▲
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2021net €114k ▲29767%
Operating result €145k, net result €114k, both a record.
31-12
Financial
Equity above €100kEq €133k ▲628%
4 profitable years in a row build equity to €133k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €383 ▼88.4%
Net result drops to €383, the lowest in the series; recovery starts the following year.
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
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, Gent · 1 establishment unit since 2021
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.
Alfons Braeckmanlaan 1589040 GentGround area
612 m²
Building footprint
152 m²
Volume, LiDAR
892 m³
Parcel 44432C0362/00A005, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Patisserie 't Westveld
since 20212.319.027.696
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0362/00A005 | Flanders | 612 m² | 1 · 152 m² | 9.6 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
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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HASBOMA
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PIETTE-DI MARCO
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Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 891 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2021
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:mertcevirgen@outlook.com