DE CEUSTER BEHEER
ActiveDE CEUSTER BEHEER has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.77M and a net result of €25k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-11
Solvency82▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 6.24 against 6.86 in 2024; short-term debt: 9.5% and cash: 0.1% of total assets), and 43.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
56.6%
Return on assets
0.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
25 d early
2023
22 d early
2021
20 d early
2020
25 d early
2019
11 d early
2018
33 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.77M▲ 0.9%
2024 · €2.75M
2018: €2.21M
2019: €1.97M
2020: €2.19M
2021: €2.28M
2023: €2.31M
2024: €2.75M
2018 → 2025
Total assets
€4.90M▲ 14.5%
2024 · €4.28M
2018: €3.51M
2019: €3.36M
2020: €3.25M
2021: €3.09M
2023: €4.60M
2024: €4.28M
2018 → 2025
Net result
€25k▼ 94.4%
2024 · €442k
2018: €177k
2019: €698k
2020: €221k
2021: €94k
2023: €24k
2024: €442k
2018 → 2025
Working capital
€2.44M▲ 24.5%
2024 · €1.96M
2018: €1.30M
2019: €801k
2020: €739k
2021: €854k
2023: €1.86M
2024: €1.96M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€2.19M-€2.28M▲ 4.3%€2.31M▲ 1.0%€2.75M▲ 19.2%€2.77M▲ 0.9%
Operating result€51k-€41k▼ 18.6%€199k▲ 382%€134k▼ 32.8%€171k▲ 27.3%
Net result€221k-€94k▼ 57.5%€24k▼ 74.9%€442k▲ 1,776%€25k▼ 94.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.90M
Fixed assets
€1.99M▲ 0.4%
Current assets
€2.91M▲ 26.7%
Equity and liabilities €4.90M
Equity
€2.77M▲ 0.9%
Debt
€2.13M▲ 38.9%
The debt ratio rises from 35.8% to 43.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€195k▲
2024 · €156k
Cash flow
€49k▼
2024 · €464k
Solvency
56.6%▼
2024 · 64.2%
Current ratio
6.24▼
2024 · 6.86
Quick ratio
6.24▼
2024 · 6.86
Debt / equity
0.77▲
2024 · 0.56
ROE
0.9%▼
2024 · 16.1%
ROA
0.5%▼
2024 · 10.3%
Interest coverage
0.85▲
2024 · 0.59
Debt
€2.13M▲
2024 · €1.53M
Debt ≤ 1 year
€466k▲
2024 · €335k
Debt > 1 year
€1.66M▲
2024 · €1.20M
Income taxes
€4k▲
2024 · €0
Staff costs
€329k▲
2024 · €303k
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€4.28M€4.90M▲
Fixed assets21/28€1.99M€1.99M▲
Tangible fixed assets22/27€333k€342k▲
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€326k€339k▲
Financial fixed assets28€1.65M€1.65M=
Current assets29/58€2.30M€2.91M▲
Amounts receivable after more than one year29€2.11M€2.72M▲
Other amounts receivable291€2.11M€2.72M▲
Amounts receivable within one year40/41€45k€185k▲
Trade receivables40€27k€184k▲
Other amounts receivable41€18k€577▼
Cash at bank and in hand54/58€148k€5k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€4.28M€4.90M▲
Equity10/15€2.75M€2.77M▲
Contributions10/11€707k€707k=
Reserves13€2.04M€2.07M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2.04M€2.07M▲
Amounts payable17/49€1.53M€2.13M▲
Amounts payable after more than one year17€1.20M€1.66M▲
Financial debts170/4€418k€861k▲
Other amounts payable178/9€781k€803k▲
Amounts payable within one year42/48€335k€466k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Financial debts43€30k€25k▼
Credit institutions430/8€30k€25k▼
Trade debts44€190k€325k▲
Suppliers440/4€190k€325k▲
Taxes, remuneration and social security45€57k€57k▼
Taxes450/3€11k€11k▼
Remuneration and social security454/9€45k€46k▲
Other amounts payable47/48€33k€33k=
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€303k€329k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Other operating charges640/8€61k€47k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€522k€571k▲
Operating profit (loss)9901€134k€171k▲
Financial income75/76B€571k€88k▼
Recurring financial income75€82k€88k▲
Non-recurring financial income76B€489k€0▼
Financial charges65/66B€263k€230k▼
Recurring financial charges65€263k€230k▼
Profit (loss) for the period before taxes9903€442k€29k▼
Income taxes67/77€0€4k▲
Profit (loss) for the period9904€442k€25k▼
Profit (loss) for the period to be appropriated9905€442k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€442k€25k▼
Transfer to equity691/2€442k€25k▼
To other reserves6921€442k€25k▼
Social balance
Average headcount (FTE)90874.13.8▼
The notes to these accounts (22 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
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €24k ▼74.9%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 10.68
Current ratio from 3.01 to 10.68; short-term debt falls from €369k to €88k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.19M ▲11.2%
3 profitable years in a row build equity to €2.19M.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €698k ▲295%
Net result €698k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Pelt · 1 establishment unit since 2000
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.
Hoevenstraat 1753900 PeltGround area
3,759 m²
Building footprint
1,560 m²
Volume, LiDAR
1,564 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Van-Doornelaan 2, 2440 Geel
since 20002.099.910.141
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375M1277/00L003 | Flanders | 2,680 m² | 1 · 1,323 m² | - |
| 72029C0094/00D000 | Flanders | 1,079 m² | 1 · 237 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 5 entries · 21,360 EUR awarded · 20,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 11,400 EUR | 7,800 EUR |
| 2024 | 1 | 1,035 EUR | 3,825 EUR |
| 2023 | 2 | 5,347 EUR | 5,347 EUR |
| 2022 | 1 | 3,578 EUR | 3,578 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2000
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
69109Other legal services
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.