Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
10 other companies have their registered office at the same address; threshold 10.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
C.E.C. FINANCE & ASSURANCES from Mons, company number BE0656760175, closed financial year 2025 with a result of € -6,381 after tax. For that financial year C.E.C. FINANCE & ASSURANCES recorded a gross margin of € -4,356 and equity of € -32,950. Compared with financial year 2024, the result moved from € -6,545 to € -6,381. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ -32,950
▼ € 6,381 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,381
▲ 3 % less loss than in 2024
Profit after tax over the fiscal year.
€ 92
▼ 96% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -39,150.
Debts at end 2025
€ 44,661
▼ 24% vs 2024
€ 14,576 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 363
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -12,465 | € -4,671 | € -4,586 | € -4,356 | ▲ € 230 |
| Profit after taxes | € -21,368 | € -7,569 | € -6,545 | € -6,381 | ▲ € 164 |
| Equity | € -12,454 | € -20,024 | € -26,569 | € -32,950 | ▼ € 6,381 |
| Total debts | € 588,395 | € 635,992 | € 657,778 | € 677,275 | ▲ 3% |
| Cash | € 6,407 | € 3,158 | € 2,176 | € 92 | ▼ 96% |
| Retained profit | € -18,654 | € -26,224 | € -32,769 | € -39,150 | ▼ € 6,381 |
| Bank debt | € 120,836 | € 72,911 | € 58,934 | € 44,661 | ▼ 24% |
| Balance sheet total | € 575,941 | € 615,969 | € 631,209 | € 644,325 | ▲ 2% |
Key figures of C.E.C. FINANCE & ASSURANCES, 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 C.E.C. FINANCE & ASSURANCES?
What happened at C.E.C. FINANCE & ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 6,381. filed late Source: NBB ↗
- New establishment in Saint-Ghislain. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,368 loss in 2022 to € 6,381 loss in 2025.
Paid € 24 in corporate taxes since 2022.
A new publication or filing at C.E.C. FINANCE & ASSURANCES? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of BV FINANCE ET ASSURANCE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
C.E.C. FINANCE & ASSURANCESBehind C.E.C. FINANCE & ASSURANCES is Virginia Bandiera. The shares are held by BV FINANCE ET ASSURANCE. It owns 100% of CEC Finance itself.
Directors
According to the 2025 annual accounts
Virginia Bandiera
Manager
Shareholders
Participations
100%
Establishments
Establishment units
Physical locations of this company
Chaussée de Binche 177 box C
7000 Mons
Rue Ferrer(B) 26
7331 Saint-Ghislain
Active since 1 July 2016
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 10 companies are registered at this address.
All companies at this address →C.E.C. FINANCE same network
€ 296,211 gross margin · 2025
FERLIMMO
€ 77,387 gross margin · 2024
SMITH AND WILLIAMS
€ -1,777 gross margin · 2024
BCEC
BH2D
€ 30,300 gross margin · 2025
+5 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
Microsoft 365
Hosting
AS-HOSTINGER, CY
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0656.760.175
- VAT number
- BE 0656.760.175
- Registered office
- Chaussée de Binche 177 bus C, 7000 Mons
- Names & denominations
- C.E.C. FINANCE & ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 June 2016
- Peppol
- Not registered
- Contact
- cecfinance.be
- Activities · NACE
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