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GRAIN DE CEL

Active
Private limited companyfounded 20251 yr activeChaussée du Roeulx 491, 7000 Mons, BelgiumKBO/BCE: BE 1027.152.004
Summary

The computed 12-month bankruptcy probability of GRAIN DE CEL is 2.0% (moderate). The 2025 annual accounts show equity of €22,109 and a net result of €19,609. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency72
Growth-
Track record67
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.82; short-term debt: 53% and cash: 42.4% of total assets), but 53% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
47%
Return on assets
41.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
7 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

On 2 September 2025, GRAIN DE CEL was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€22,109
Total assets
€47,035
Net result
€19,609
Working capital
€20,510

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €47,035
Fixed assets €1,599
Current assets €45,436
Equity and liabilities €47,035
Equity €22,109
Debt €24,926
Debt finances 53.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€27,776
Cash flow
€19,764
Current ratio
1.82
Debt to equity
1.13
ROE
88.7%
ROA
41.7%
Interest coverage
478.90
Debt ≤ 1 year
€24,926
Income taxes
€7,954

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet Code2025
Assets
Total assets20/58€47,035
Fixed assets21/28€1,599
Tangible fixed assets22/27€1,599
Furniture and vehicles24€1,599
Current assets29/58€45,436
Amounts receivable within one year40/41€22,503
Trade receivables40€22,503
Cash at bank and in hand54/58€19,960
Deferred charges and accrued income490/1€2,973
Equity and liabilities
Total equity and liabilities10/49€47,035
Equity10/15€22,109
Contributions10/11€2,500
Reserves13€19,609
Distributable reserves133€19,609
Amounts payable17/49€24,926
Amounts payable within one year42/48€24,926
Trade debts44€8,526
Suppliers440/4€8,526
Taxes, remuneration and social security45€9,801
Taxes450/3€7,955
Remuneration and social security454/9€1,846
Other amounts payable47/48€6,599
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€155
Other operating charges640/8€82
Gross operating margin9900€27,858
Operating profit (loss)9901€27,621
Financial charges65/66B€58
Recurring financial charges65€58
Profit (loss) for the period before taxes9903€27,563
Income taxes67/77€7,954
Profit (loss) for the period9904€19,609
Profit (loss) for the period to be appropriated9905€19,609
Appropriation of the result
Profit (loss) to be appropriated9906€19,609
Transfer to equity691/2€19,609
To other reserves6921€19,609

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€155
Other operating charges640/8€82
Gross operating margin9900€27,858
Operating profit (loss)9901€27,621
Financial charges65/66B€58
Recurring financial charges65€58
Profit (loss) for the period before taxes9903€27,563
Income taxes67/77€7,954
Profit (loss) for the period9904€19,609
Profit (loss) for the period to be appropriated9905€19,609
Line2025
Assets
Total assets20/58€47,035
Fixed assets21/28€1,599
Tangible fixed assets22/27€1,599
Furniture and vehicles24€1,599
Current assets29/58€45,436
Amounts receivable within one year40/41€22,503
Trade receivables40€22,503
Cash at bank and in hand54/58€19,960
Deferred charges and accrued income490/1€2,973
Equity and liabilities
Total equity and liabilities10/49€47,035
Equity10/15€22,109
Contributions10/11€2,500
Reserves13€19,609
Distributable reserves133€19,609
Amounts payable17/49€24,926
Amounts payable within one year42/48€24,926
Trade debts44€8,526
Suppliers440/4€8,526
Taxes, remuneration and social security45€9,801
Taxes450/3€7,955
Remuneration and social security454/9€1,846
Other amounts payable47/48€6,599
Line2025
Profit (loss) for the period9904€19,609
+ Depreciation and write-downs630€155
Operating cash flow (approximation)€19,764

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Mons · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
1,413 m²
Building footprint
167 m²
Volume, LiDAR
956 m³
2 parcels, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GRAIN DE CEL
Chaussée du Roeulx 373, 7000 MonsHuman health activities
since 20252.377.468.713
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53404B0395/00B002 Wallonia 789 m² 1 · 72 m² 6.6 m · 2 fl.
53404B0406/00C002 Wallonia 624 m² 1 · 95 m² 7.8 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded02-09-2025
Fiscal year end31-12
Contact
E-mail celineurbain.logo@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1027152004
Also 9925:BE1027152004
Registered 02-10-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.