Active BE 0403.918.490Cooperative company

Sainte Cecile

Rue de la Vallée 18 ·4690 Bassenge, Belgium· 58 yrs active

Sector: Cafés (56301)

Conclusion Checked

The computed 12-month bankruptcy probability of Sainte Cecile is 0.3% (very low). The 2022 annual accounts show negative equity (€-2k) and a net result of €637. Equity is shrinking by ~21.9% per year across the filed fiscal years. The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€-2k
Net result	€637
Active	58 yrs
Publications	2

Snowflake analysis 5 axes · computed by Checked

48 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 31

Profitability 0

Solvency 50

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Long-established

Founded in 1968, 58 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2022 · computed

31 / 100 Weak

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 30-12-2024 with the NBB · fiscal year 2022 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~21.9%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€774

+20.7% -97% vs sector

Net profit

€637

+24.9% -94% vs sector

Cash flow

€720

+21.4% -97% vs sector

Total assets

€17k

+3.8% -90% vs sector

Equity

€-2k

+25.9% far below sector median

Working capital

€12k

+6.6% -84% vs sector

Debt

€19k

0.0% -74% vs sector

Debt ≤ 1y

€0

- -100% vs sector

Debt > 1y

€19k

0.0% -86% vs sector

Current ratio

30.16

- far above sector median

Quick ratio

27.47

- far above sector median

Solvency

-10.5%

+28.6% far below sector median

Debt / equity

-10.56

-35.0% far below sector median

ROE

-35.0%

-68.6% far below sector median

ROA

3.7%

+20.3% -21% vs sector

Interest coverage

14.33

+7.3% -61% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Revenue	-
EBITDA	€774
Net profit	€637
Cash flow	€720
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€17k
Equity	€-2k
Debt	€19k
of which ≤ 1y	€0
of which > 1y	€19k
Working capital	€12k
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	-
Quick ratio	-
Working capital ratio	67.1%
Solvency	-10.5%
Debt / equity	-10.56
Long-term debt ratio	-10.56
Interest coverage	14.33
Gross margin	-
Net margin	-
ROA	3.7%
ROE	-35.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Assets

Fixed assets €6k · 32.9% Current assets €12k · 67.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€17k
Fixed assets	21/28	€6k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€12k
Stocks & contracts in progress	3	€151
Cash & bank	54/58	€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€17k
Equity	10/15	€-2k
Contributions / capital	10/11	€1k
Accumulated profits (losses)	14	€-3k
Amounts payable	17/49	€19k
Amounts payable after one year	17	€19k
Amounts payable within one year	42/48	€0
Trade debts payable within one year	44	€0
Income statement
Gross operating margin	9900	€774
Operating result	9901	€691
Financial charges	65	€54
Result before taxes	9903	€637
Net result for the period	9904	€637
Result to be appropriated	9905	€637

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Cafés(56301)
Legal form	Cooperative company(706)
Incorporation	01-01-1968
Status	Active
Postal code	4690

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62029A0805/00P000	Wallonia	316 m²	1 · 326 m²	8.5 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024

30-12-2024

NBB filing Annual accounts filed

fiscal year 2022 · volledig

24-09-2024

NBB filing Annual accounts filed

fiscal year 2021 · volledig

20-08-2024

State Gazette act Capital & shares

François ONCLIN

13-08-2024

NBB filing Annual accounts filed

fiscal year 2020 · volledig

13-08-2024

NBB filing Annual accounts filed

fiscal year 2019 · volledig

12-08-2024

NBB filing Annual accounts filed

fiscal year 2018 · volledig

12-08-2024

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2023

20-04-2023

State Gazette act Director changes

2018

05-04-2018

NBB filing Annual accounts filed

fiscal year 2016 · volledig

2016

10-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

2015

14-10-2015

NBB filing Annual accounts filed

fiscal year 2014 · volledig

2014

29-07-2014

NBB filing Annual accounts filed

fiscal year 2013 · volledig

Belgisch Staatsblad, acts 2 acts

Capital history · 1

20-08-2024

Capital change

All acts · 2 updated 1 year ago

2024

20-08-2024 Capital decrease of €1,310 to €0 Capital & shares·François ONCLIN

€1.310 → €0

Notary: François ONCLIN · Visé

Original publication ↗

Technical details

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2023

20-04-2023 6 directors appointed, 1 resigning Director changes

Léon HENQUET, Vice président et président faisant fonction
Nicole LACCROIX, Trésorière
Ariane NEUFCOURT, Secrétaire
HENQUET Léon, Gedelegeerd bestuurder
LACCROIX Nicole, Gedelegeerd bestuurder
NEUFCOURT Ariane, Gedelegeerd bestuurder
Martine BLAFFART, Trésorière

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Activities

Cafés55401Cafés en bars56301Cafés en bars56301

Primary activity highlighted.

Names & trade names

Legal nameFR

Sainte Cecile

Registered office

Rue de la Vallée 18

4690 Bassenge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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