CEPA
ActiveThe computed 12-month bankruptcy probability of CEPA is 4.1% (elevated). The 2025 annual accounts show equity of €51k and a net result of €21k. Its solvency ranks better than 69% of 13091 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes
Profitability96
Solvency78
Growth-
Track record67
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.64; short-term debt: 29.9% and cash: 28.3% of total assets), and 47.3% 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+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
52.7%
Return on assets
22%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€51k
Total assets
€98k
Net result
€21k
Working capital
€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €98k
Fixed assets
€50k
Current assets
€48k
Equity and liabilities €98k
Equity
€51k
Debt
€46k
Debt finances 47.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€45k
Cash flow
€37k
Solvency
52.7%
Current ratio
1.64
Quick ratio
1.54
Debt / equity
0.90
ROE
41.7%
ROA
22.0%
Interest coverage
27.09
Debt
€46k
Debt ≤ 1 year
€29k
Debt > 1 year
€17k
Income taxes
€6k
Staff costs
€6k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€98k
Fixed assets21/28€50k
Intangible fixed assets21€24k
Tangible fixed assets22/27€26k
Furniture and vehicles24€26k
Current assets29/58€48k
Amounts receivable after more than one year29€625
Trade receivables290€625
Stocks and contracts in progress3€3k
Stocks30/36€3k
Amounts receivable within one year40/41€17k
Other amounts receivable41€17k
Cash at bank and in hand54/58€28k
Equity and liabilities
Total equity and liabilities10/49€98k
Equity10/15€51k
Contributions10/11€30k
Profit (loss) carried forward14€21k
Amounts payable17/49€46k
Amounts payable after more than one year17€17k
Financial debts170/4€17k
Amounts payable within one year42/48€29k
Current portion of amounts payable after more than one year42€5k
Trade debts44€11k
Suppliers440/4€11k
Taxes, remuneration and social security45€12k
Taxes450/3€8k
Remuneration and social security454/9€4k
Other amounts payable47/48€1k
Income statement
Code2025
Remuneration, social security and pensions62€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k
Other operating charges640/8€3k
Gross operating margin9900€54k
Operating profit (loss)9901€29k
Financial income75/76B€8
Recurring financial income75€8
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€6k
Profit (loss) for the period9904€21k
Profit (loss) for the period to be appropriated9905€21k
Appropriation of the result
Profit (loss) to be appropriated9906€21k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
Directors · office · real estate
Directors
2 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, Mons · 1 establishment unit since 2024
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.
Place de St Symphorien 47030 Mons1 establishment unit
Les Tilleuls
since 20242.360.737.696
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.360.737.696
Similar companies · same sector, comparable size
Marlik
BE 0649.856.844
Kampenhout · Eq €51k
CINECITTA
BE 0455.803.790
Brussel · Eq €51k
ACHTERVLUCHT
BE 0472.535.302
Antwerpen · Eq €51k
MANCHET
BE 0656.808.180
Denderleeuw · Eq €51k
FAKOMI
BE 1018.289.667
Elsene · Eq €51k
Of 14,028 companies in sector 56301 we hold annual accounts for 4,893. 4,056 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2024
Fiscal year end31-12
Activities, NACEBEL
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filing
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.