IMMO CEULEMANS

Active

Private limited companyfounded 198541 yrs activeMarkt 45, 2590 Berlaar, BelgiumKBO/BCE: BE 0427.069.818

Summary

IMMO CEULEMANS has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €911,061 and a net result of -€26,441. Equity remains stable across the filed fiscal years (±1.4% per year). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

IMMO CEULEMANSActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€1.2mtotal assets 2025

Equity: €911,061
Loss: -€26,441

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 54 d late0 of 4 deeds read

Why 95- Latest accounts 54 days late; 1 of the last 3 late+ Size: total assets €1.2m+ Equity €911,061 (79.2% of total assets)+ Liquidity: current ratio 2.10, cash €259,991Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 57% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 79.2% of total assets

Liquidity 71-1

short-term debt 20.8% · cash 22.6%

Profitability 66+32

return on assets -2.3%

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).

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%▲ +2.6% 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%▲ +2.5% vs 05-2025 07-2025: < 0.1%▲ +9.8% vs 06-2025 08-2025: 0.1%▲ +116% vs 07-2025 09-2025: < 0.1%▼ -59.8% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%▼ -2.6% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%▲ +2.6% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +2.6% vs 06-2026 08-2026: 0.1%▲ +108% vs 07-2026 09-2026: 0.1%▲ +26.5% vs 08-2026highest value 10-2026: 0.1%▼ -39.0% vs 09-2026

Size: total assets €1.2m lowers the probability for this profile
Equity €911,061 (79.2% of total assets) lowers the probability
Latest accounts 54 days late; 1 of the last 3 late raises the probability
Liquidity: current ratio 2.10, cash €259,991 lowers the probability

Credit up to €85,000 at 30 days acceptable

Liquidity ample (current ratio 2.1 against 2.04 in 2024; short-term debt: 20.8% and cash: 22.6% of total assets), and 20.8% 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 (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 67%, profitability 44%, growth against the median 35%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €1.2m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Equity €911,061 (79.2% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 54 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 2.10, cash €259,991

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 10 filings

Deviation from the deadline

2025

54 d late

2024

28 d late

2023

42 d early

2022

33 d early

2021

17 d early

2020

44 d early

2019

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 3 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 14 July (4 of the last 5 filed years within 45 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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