DE CEUSTER WIM
ActiveDE CEUSTER WIM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €172k and a net result of €13k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 4.6 in 2023; short-term debt: 24.5% and cash: 71.8% of total assets), and 25% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
30 d early
2022
94 d early
2021
52 d early
2020
30 d early
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€172k▼ 11.5%
2023 · €195k
2018: €145k
2019: €178k
2020: €181k
2021: €213k
2022: €216k
2023: €195k
2018 → 2024
Total assets
€230k▼ 7.1%
2023 · €247k
2018: €162k
2019: €190k
2020: €259k
2021: €282k
2022: €273k
2023: €247k
2018 → 2024
Net result
€13k▲ 208%
2023 · €4k
2018: €24k
2019: €34k
2020: €61k
2021: €47k
2022: €20k
2023: €4k
2018 → 2024
Working capital
€149k▼ 8.2%
2023 · €162k
2018: €135k
2019: €177k
2020: €180k
2021: €174k
2022: €175k
2023: €162k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€181k-€213k▲ 17.9%€216k▲ 1.4%€195k▼ 9.8%€172k▼ 11.5%
Operating result€83k-€65k▼ 21.2%€29k▼ 54.8%€7k▼ 75.7%€19k▲ 169%
Net result€61k-€47k▼ 22.9%€20k▼ 57.2%€4k▼ 79.4%€13k▲ 208%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 169% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €230k
Fixed assets
€24k▼ 38.6%
Current assets
€205k▼ 1.0%
Equity and liabilities €230k
Equity
€172k▼ 11.5%
Debt
€57k▲ 9.4%
The debt ratio rises from 21.2% to 25.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▲
2023 · €24k
Cash flow
€28k▲
2023 · €21k
Solvency
75.0%▼
2023 · 78.8%
Current ratio
3.65▼
2023 · 4.60
Quick ratio
3.65▼
2023 · 4.60
Debt / equity
0.33▲
2023 · 0.27
ROE
7.4%▲
2023 · 2.1%
ROA
5.5%▲
2023 · 1.7%
Interest coverage
20.73▲
2023 · 18.08
Debt
€57k▲
2023 · €52k
Debt ≤ 1 year
€56k▲
2023 · €45k
Debt > 1 year
€0▼
2023 · €7k
Income taxes
€5k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€247k€230k▼
Fixed assets21/28€40k€24k▼
Tangible fixed assets22/27€40k€24k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€39k€24k▼
Other tangible fixed assets26€977€677▼
Current assets29/58€207k€205k▼
Amounts receivable within one year40/41€24k€37k▲
Trade receivables40€23k€36k▲
Other amounts receivable41€2k€841▼
Cash at bank and in hand54/58€177k€165k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€247k€230k▼
Equity10/15€195k€172k▼
Contributions10/11€12k€12k=
Reserves13€170k€148k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€170k€148k▼
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€52k€57k▲
Amounts payable after more than one year17€7k€0▼
Financial debts170/4€7k€0▼
Amounts payable within one year42/48€45k€56k▲
Current portion of amounts payable after more than one year42€9k€7k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€35k€47k▲
Accrued charges and deferred income492/3€629€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€15k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€25k€36k▲
Operating profit (loss)9901€7k€19k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€6k€18k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€4k€13k▲
Profit (loss) for the period to be appropriated9905€4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€25k▲
Profit (loss) brought forward from the previous period14P€12k€12k=
Transfer from equity791/2€25k€35k▲
Transfer to equity691/2€4k€13k▲
To other reserves6921€4k€13k▲
Profit to be distributed694/7€25k€35k▲
Return on contributions (dividend)694€25k€35k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €4k ▼79.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €213k ▲17.9%
4 profitable years in a row build equity to €213k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €61k ▲77.3%
Operating result €83k, net result €61k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €178k ▲23.2%
2 profitable years in a row build equity to €178k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
15-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Westerlo · 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.
O.-L.-Vrouwstraat 172260 WesterloGround area
1,413 m²
Building footprint
130 m²
Volume, LiDAR
666 m³
Parcel 13028A0396/00Y000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
O.-L.-Vrouwstraat 17, 2260 Westerlo
since 20002.099.616.270
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028A0396/00Y000 | Flanders | 1,413 m² | 1 · 130 m² | 8.8 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.
Similar companies · same sector, comparable size
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BE 0742.611.214
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CT Vloer- en Tegelwerken
BE 0473.354.258
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TEGEL LAND
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,458 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2000
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.