CERESA
ActiveCERESA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €57k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 8.24 against 6.02 in 2024), and 48.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
51.4%
Return on assets
14.1%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
27 d early
2023
12 d early
2022
21 d early
2021
30 d early
2020
15 d early
2019
14 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 37.9%
2024 · €151k
2018: €61k
2019: €88k
2020: €118k
2021: €161k
2022: €200k
2023: €249k
2024: €151k
2018 → 2025
Total assets
€405k▲ 14.5%
2024 · €354k
2018: €251k
2019: €256k
2020: €282k
2021: €322k
2022: €356k
2023: €398k
2024: €354k
2018 → 2025
Net result
€57k▲ 32.0%
2024 · €43k
2018: €18k
2019: €27k
2020: €31k
2021: €44k
2022: €41k
2023: €48k
2024: €43k
2018 → 2025
Working capital
€192k▲ 57.2%
2024 · €122k
2018: €21k
2019: €51k
2020: €90k
2021: €135k
2022: €162k
2023: €210k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€200k▲ 24.4%€249k▲ 24.2%€151k▼ 39.3%€208k▲ 37.9%
Operating result€41k-€55k▲ 35.0%€71k▲ 28.1%€65k▼ 9.1%€70k▲ 8.6%
Net result€44k-€41k▼ 7.7%€48k▲ 19.0%€43k▼ 10.4%€57k▲ 32.0%
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 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€187k▼ 10.0%
Current assets
€218k▲ 49.2%
Equity and liabilities €405k
Equity
€208k▲ 37.9%
Debt
€197k▼ 3.0%
The debt ratio falls from 57.3% to 48.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€96k▲
2024 · €89k
Cash flow
€83k▲
2024 · €68k
Solvency
51.4%▲
2024 · 42.7%
Current ratio
8.24▲
2024 · 6.02
Quick ratio
8.24▲
2024 · 6.02
Debt / equity
0.94▼
2024 · 1.34
ROE
27.5%▼
2024 · 28.7%
ROA
14.1%▲
2024 · 12.3%
Interest coverage
15.91▲
2024 · 15.26
Debt
€197k▼
2024 · €203k
Debt ≤ 1 year
€26k▲
2024 · €24k
Debt > 1 year
€167k▼
2024 · €176k
Income taxes
€14k▼
2024 · €17k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€354k€405k▲
Fixed assets21/28€208k€187k▼
Tangible fixed assets22/27€208k€187k▼
Land and buildings22€138k€130k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€64k€49k▼
Other tangible fixed assets26€3k€6k▲
Current assets29/58€146k€218k▲
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€17k€19k▲
Other amounts receivable41-€2k
Current investments50/53€46k€1k▼
Cash at bank and in hand54/58€83k€195k▲
Deferred charges and accrued income490/1€677€716▲
Equity and liabilities
Total equity and liabilities10/49€354k€405k▲
Equity10/15€151k€208k▲
Contributions10/11€19k€19k=
Reserves13€133k€133k=
Distributable reserves133€133k€133k=
Profit (loss) carried forward14-€57k
Amounts payable17/49€203k€197k▼
Amounts payable after more than one year17€176k€167k▼
Financial debts170/4€176k€167k▼
Amounts payable within one year42/48€24k€26k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Financial debts43€266€1k▲
Credit institutions430/8€266€1k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€40€158▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€91k€98k▲
Operating profit (loss)9901€65k€70k▲
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€60k€71k▲
Income taxes67/77€17k€14k▼
Profit (loss) for the period9904€43k€57k▲
Profit (loss) for the period to be appropriated9905€43k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€57k▲
Transfer from equity791/2€141k-
Transfer to equity691/2€43k-
To other reserves6921€43k-
Profit to be distributed694/7€141k-
Return on contributions (dividend)694€141k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €57k ▲32%
Net result €57k, the highest in the series.
31-12
Financial
Equity above €200kEq €208k ▲37.9%
8 profitable years in a row build equity to €208k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €200k ▲24.4%
5 profitable years in a row build equity to €200k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €161k ▲36.9%
4 profitable years in a row build equity to €161k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €118k ▲34%
3 profitable years in a row build equity to €118k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 5.37
Current ratio from 1.86 to 5.37; short-term debt falls from €24k to €12k.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kontich · 1 establishment unit since 2016
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.
Joris Olyslaegerslaan 222550 KontichGround area
357 m²
Building footprint
141 m²
Volume, LiDAR
796 m³
Parcel 11024F0165/00Y002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERESA
since 20162.249.610.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0165/00Y002 | Flanders | 357 m² | 1 · 141 m² | 10.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755003IN8ZP9XJIJ225
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 39,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@ceresa.be
Phone:+32.477.63.71.71
Phone:+3232895866