Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 21 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CELTO from Sint-Gillis (bij-Brussel), company number BE0690993851, closed financial year 2025 with a result of € 2,555 after tax. For that financial year CELTO recorded a gross margin of € 14,770 and equity of € 41,433. Compared with financial year 2024, the result moved from € -23,400 to € 2,555. 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 September 28, 2026.
€ 41,433
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,555
▲ still € 23,400 loss in 2024
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 35,233.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 8,672
▼ 76% vs 2024
Loans from banks and other lenders, long and short.
€ 1,025
▼ 88% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 83,899
▼ 3% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 18,860 | € 24,564 | € 25,698 | € 14,770 | ▼ 43% |
| Profit after taxes | € 14,878 | € -5,601 | € -23,400 | € 2,555 | ▲ € 25,955 |
| Equity | € 67,878 | € 62,277 | € 38,877 | € 41,433 | ▲ 7% |
| Total debts | € 171,389 | € 172,963 | € 218,065 | € 226,385 | ▲ 4% |
| Retained profit | € 61,678 | € 56,077 | € 32,677 | € 35,233 | ▲ 8% |
| Bank debt | € 90,444 | € 61,813 | € 36,026 | € 8,672 | ▼ 76% |
| Balance sheet total | € 239,267 | € 235,239 | € 256,942 | € 267,817 | ▲ 4% |
Key figures of CELTO, 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 CELTO?
What happened at CELTO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2,555. filed late Source: NBB ↗
- New establishment in Watermaal-Bosvoorde. KBO
- Start of the company according to the CBE. KBO
In short
From € 14,878 profit in 2022 to € 2,555 profit in 2025.
Paid € 60,616 in corporate taxes since 2022.
Best year ever: 2022, with € 14,878 profit.
Management
Behind CELTO is Chantal BOCCARD. It owns 100% of REALISATIONS IMMOBILIERES MANAGEMENT itself.
Directors
According to the 2025 annual accounts
Chantal BOCCARD
Manager
Establishments
Establishment units
Physical locations of this company
Spanjestraat 95
1060 Sint-Gillis (bij-Brussel)
Waterwildlaan 3
1170 Watermaal-Bosvoorde
Active since 27 February 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0690.993.851
- VAT number
- BE 0690.993.851
- Registered office
- Spanjestraat 95, 1060 Sint-Gillis (bij-Brussel)
- Names & denominations
- CELTO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 February 2018
- Peppol
- Active · Active since 5 Dec 2025
- Activities · NACE
Ontwikkeling van niet-residentiële bouwprojecten
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur en exploitatie van terreinen