Skip to content

CIEPLUCH

Active
Private limited companyfounded 198838 yrs activeBaarleveldestraat 1, 9031 Gent, BelgiumKBO/BCE: BE 0434.460.030
Summary

CIEPLUCH has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102,191 and a net result of €15,053. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 33926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
CIEPLUCHActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Painting of buildings
NACE 43341NACE 92613
1 site
Size
€142,231total assets 2025
Staff
1 FTE
Equity
€102,191
Profit
€15,053
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 99 d early0 of 3 deeds read
Why 96- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 3.34, cash €76,952+ Equity €102,191 (71.8% of total assets)+ Founded in 1988Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 67% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 97+5
equity 71.8% of total assets
Liquidity 89+3
short-term debt 27.9% · cash 54.1%
Profitability 82-11
return on assets 10.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 0.1%highest value 12-2024: 0.1%● 0.0% vs 11-2024highest value 01-2025: 0.1%▼ -1.4% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▼ -4.3% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%● 0.0% vs 03-2026lowest value 05-2026: 0.1%● 0.0% vs 04-2026lowest value 06-2026: 0.1%● 0.0% vs 05-2026lowest value 07-2026: 0.1%● 0.0% vs 06-2026lowest value 08-2026: 0.1%● 0.0% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 3.34, cash €76,952 lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Equity €102,191 (71.8% of total assets) lowers the probability
  • Founded in 1988 lowers the probability for this profile
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 3.34 against 2.79 in 2024; short-term debt: 27.9% and cash: 54.1% of total assets), and 28.2% 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 43, micro). Better than this share of them on solvency 78%, liquidity 86%, profitability 63%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 3.34, cash €76,952
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Equity €102,191 (71.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €102,191
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 21-01-2026, 99 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
99 d early
2024
139 d early
2023
132 d early
2022
94 d early
2021
117 d early
2020
37 d early
2019
52 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 96 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 3 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Equity above €100,000Eq €102,191 ▲2.2%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 5 profitable years in a rowprofit 2025: €15,053 5 years View
  • Active since 1988founded 13-06-1988 38 years View

By topic

Financials

Fiscal year
2025
Total assets
€142,231
Profit
€15,053
Solvency
71.8%
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 30-04-2027
  1. 21-01-2026Annual accounts filed
  2. 30-09-2025Equity above €100,000
  3. 12-12-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Painting of buildingsNACE 43341
Founded
13-06-1988
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure