Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 57 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 10 to 8.8.
Financials
Financial year 2025
CERAM Découpe from Fleurus, company number BE0534895612, closed financial year 2025 with a result of € 71,025 after tax. For that financial year CERAM Découpe recorded a gross margin of € 570,112 and equity of € 370,656. Compared with financial year 2024, the result moved from € 19,896 to € 71,025. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 21, 2026.
€ 370,656
▲ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 71,025
▲ 257% vs 2024
Profit after tax over the fiscal year.
€ 16,213
▼ 55% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 283,012.
People and assets in 2025
8.8
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 287,832
▼ 10% vs 2024
€ 32,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 345,593
▼ 1% vs 2024
Of which on lease € 334,174.
Debts at end 2025
€ 659,562
▼ 12% vs 2024
€ 170,647 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 51,890
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,622
▲ 204% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 447,565 | € 516,925 | € 544,714 | € 570,112 | ▲ 5% |
| Profit after taxes | € 36,880 | € -60,989 | € 19,896 | € 71,025 | ▲ 257% |
| Equity | € 360,367 | € 292,830 | € 306,179 | € 370,656 | ▲ 21% |
| Total debts | € 885,036 | € 1,006,784 | € 856,610 | € 732,543 | ▼ 14% |
| Cash | € 18,487 | € 39,679 | € 36,241 | € 16,213 | ▼ 55% |
| Land & buildings | € 362,860 | € 345,638 | € 316,480 | € 285,388 | ▼ 10% |
| Retained profit | € 253,079 | € 192,091 | € 211,987 | € 283,012 | ▲ 34% |
| Bank debt | € 806,543 | € 800,602 | € 751,470 | € 659,562 | ▼ 12% |
| Balance sheet total | € 1,245,403 | € 1,299,614 | € 1,162,789 | € 1,103,200 | ▼ 5% |
| Employees (FTE) | 8.4 | 10 | 9.1 | 8.8 | ▼ 0.3 |
Key figures of CERAM Découpe, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CERAM Découpe?
What happened at CERAM Découpe in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 71,025 (▲ 257% vs 2024). filed late Source: NBB ↗
- New establishment in Farciennes. KBO
- Gino SEVERINO became a director. NBB
- New establishment in Fleurus. KBO
- Start of the company according to the CBE. KBO
In short
From € 36,880 profit in 2022 to € 71,025 profit in 2025.
Best year ever: 2025, with € 71,025 profit.
On average € 64,800 of value added per employee in 2025.
Management
Behind CERAM Découpe is Gino SEVERINO .
Directors
According to the 2025 annual accounts
Gino SEVERINO
Director, Chairman of the board
since 2019
Establishments
Establishment units
Physical locations of this company
Rue du Progrès(FL) 10
6220 Fleurus
Rue de Fontenelle(FAR) 25
6240 Farciennes
Active since 17 February 2023
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0534.895.612
- VAT number
- BE 0534.895.612
- Registered office
- Rue du Progrès(FL) 10, 6220 Fleurus
- Names & denominations
- CERAM Découpe · SA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 4 June 2013
- Peppol
- Active · Active since 17 Jan 2026
- Activities · NACE
Overige industrie, neg
Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)