ACTIVE

CEMA

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Financial year 2025 · closed on 31/12/2025

Net result

992,8 €

-96.0% YoY

Gross margin

1,5 k €

-98.5% YoY

Equity

61,8 k €

+1.6% YoY

What does CEMA do?

CEMA is a Private limited company incorporated in 1997. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Berlaar.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0459.958.855

Incorporation

31/01/1997

Legal form

Private limited company

Registered office

Aarschotsebaan 241
2590 Berlaar · FlandreSee on map

Contributed capital

245,27 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 68201Rental and operating of own or leased real estate 68201Rental and operating of own or leased real estate

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,5 k €	-98.5%	102,2 k €	-40.9%	172,9 k €	+1.8%	169,8 k €	-3.2%	175,5 k €	+3.2%	170 k €	+34.2%	126,7 k €	+34.2%	94,4 k €	-41.1%	160,1 k €	+65.1%	97 k €	-39.3%	159,7 k €	-6.4%	170,7 k €	+2.5%	166,5 k €	+26.0%	132,1 k €	+19.5%	110,5 k €	-4.5%	115,7 k €	+10.4%	104,9 k €	+30.7%	80,2 k €	+6.2%	75,5 k €
EBITDA	1,4 k €	-96.7%	41,7 k €	-75.5%	169,9 k €	+2.8%	165,4 k €	-4.9%	173,8 k €	+8.9%	159,6 k €	+29.0%	123,8 k €	+32.0%	93,7 k €	-41.4%	160 k €	+65.1%	96,9 k €	-39.2%	159,5 k €	-6.5%	170,6 k €	+2.6%	166,4 k €	+26.2%	131,8 k €	+19.5%	110,4 k €	-4.4%	115,5 k €	+10.4%	104,6 k €	+31.1%	79,8 k €	+6.5%	74,9 k €
Operating result	-280,4 €	-101%	39,9 k €	-71.9%	141,8 k €	-1.7%	144,3 k €	-5.7%	153,1 k €	+13.5%	134,9 k €	+38.2%	97,6 k €	+40.8%	69,4 k €	-48.3%	134,1 k €	+88.5%	71,1 k €	-51.7%	147,4 k €	-1.2%	149,1 k €	+2.7%	145,2 k €	+29.7%	112 k €	+34.0%	83,6 k €	-14.6%	97,9 k €	+10.0%	89 k €	+43.6%	62 k €	+8.3%	57,2 k €
Net result	992,8 €	-96.0%	24,6 k €	-75.6%	100,5 k €	-1.6%	102,1 k €	-3.6%	105,9 k €	+5.2%	100,6 k €	+67.4%	60,1 k €	+37.5%	43,7 k €	-42.0%	75,4 k €	+90.0%	39,7 k €	-58.2%	95 k €	-9.7%	105,2 k €	+5.2%	100 k €	+28.6%	77,8 k €	+30.4%	59,7 k €	-14.3%	69,7 k €	+12.7%	61,8 k €	+44.9%	42,7 k €	+19.9%	35,6 k €
Balance sheet
Equity	61,8 k €	+1.6%	60,8 k €	-93.5%	933 k €	+12.1%	832,5 k €	+14.0%	730,4 k €	+17.3%	622,9 k €	+19.3%	522,3 k €	+13.0%	462,2 k €	-32.8%	687,8 k €	+11.4%	617,4 k €	+5.9%	582,8 k €	+18.3%	492,8 k €	+17.4%	419,9 k €	+30.3%	322,3 k €	+30.5%	246,9 k €	+30.2%	189,6 k €	+55.0%	122,4 k €	+94.3%	63 k €	+177%	22,7 k €
Total assets	84,8 k €	+15.3%	73,5 k €	-92.3%	956,2 k €	+9.5%	873,1 k €	+12.7%	774,7 k €	+18.2%	655,5 k €	+21.5%	539,4 k €	-26.9%	737,5 k €	+5.2%	701,3 k €	+11.6%	628,4 k €	+3.5%	607,1 k €	+20.8%	502,6 k €	+11.6%	450,5 k €	+16.4%	386,9 k €	+31.1%	295,2 k €	+48.6%	198,7 k €	+51.6%	131 k €	+41.2%	92,8 k €	-31.3%	135 k €
Cash	42,2 k €	+6.8%	39,5 k €	-82.4%	225 k €	+13.1%	199 k €	+113%	93,2 k €	-59.3%	229 k €	+67.1%	137,1 k €	-59.8%	340,8 k €	+8.7%	313,5 k €	+33.0%	235,8 k €	-12.6%	269,8 k €	+41.8%	190,2 k €	+54.5%	123,1 k €	+98.0%	62,2 k €	+4904%	1,2 k €	-98.9%	114,2 k €	+26.8%	90,1 k €	+70.8%	52,7 k €	-31.4%	76,8 k €
Debts	23 k €	+80.8%	12,7 k €	-45.0%	23,1 k €	-37.9%	37,3 k €	-5.0%	39,3 k €	+61.8%	24,3 k €	+41.4%	17,2 k €	-93.8%	275,4 k €	+1944%	13,5 k €	+23.2%	10,9 k €	-55.0%	24,3 k €	+147%	9,8 k €	-67.8%	30,6 k €	-52.7%	64,7 k €	+34.0%	48,2 k €	+435%	9 k €	+4.3%	8,6 k €	-71.0%	29,8 k €	-73.5%	112,3 k €
Other
Workforce	–		1,0 ETP	+900%	0,1 ETP	-50.0%	0,2 ETP	+100%	0,1 ETP	0.0%	0,1 ETP	-75.0%	0,4 ETP	+300%	0,1 ETP		–		–		–		–		–		–		–		–		–		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 1 ended

Active mandates

CJ Management

Director · 1017.287.993

Represented by JORDI CELEN

Active

CL BEHEER

Director · 0802.679.552

Represented by MARC CELEN

Active

Ended mandates

MARC CELEN

Manager

Ended

At this address

Other companies at this address

Company	CBE no.
CL BEHEER● Active	0802.679.552
Groep Cema● Active	0804.439.509

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	09/07/2026	22/07/2025	18/07/2024	28/06/2023	24/06/2022	30/06/2021
General meeting	24/04/2026	25/04/2025	26/04/2024	28/04/2023	29/04/2022	30/04/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	24/04/2026	09/07/2026	Dutch	PDF
Abridged model	31/12/2024	25/04/2025	22/07/2025	Dutch	PDF
Abridged model	31/12/2023	26/04/2024	18/07/2024	Dutch	PDF
Abridged model	31/12/2022	28/04/2023	28/06/2023	Dutch	PDF
Abridged model	31/12/2021	29/04/2022	24/06/2022	Dutch	PDF
Abridged model	31/12/2020	30/04/2021	30/06/2021	Dutch	PDF
Abridged model	31/12/2019	24/04/2020	30/06/2020	Dutch	PDF
Abridged model	31/12/2018	26/04/2019	21/06/2019	Dutch	PDF
Abridged model	31/12/2017	27/04/2018	18/06/2018	Dutch	PDF
Abridged model	31/12/2016	28/04/2017	26/06/2017	Dutch	PDF
Abridged model	31/12/2015	29/04/2016	16/06/2016	Dutch	PDF
Abridged model	31/12/2014	24/04/2015	29/06/2015	Dutch	PDF
Abridged model	31/12/2013	25/04/2014	07/07/2014	Dutch	PDF
Abridged model	31/12/2012	26/04/2013	24/05/2013	Dutch	PDF
Abridged model	31/12/2011	27/04/2012	25/05/2012	Dutch	PDF
Abridged model	31/12/2010	29/04/2011	26/05/2011	Dutch	PDF
Abridged model	31/12/2009	30/04/2010	26/05/2010	Dutch	PDF
Abridged model	31/12/2008	24/04/2009	18/05/2009	Dutch	PDF
Abridged model	31/12/2007	25/04/2008	21/05/2008	Dutch	PDF
Abridged model	31/12/2006	27/04/2007	01/06/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 1 ended

Active mandates

CJ Management

Director · 1017.287.993

Represented by JORDI CELEN

Active

CL BEHEER

Director · 0802.679.552

Represented by MARC CELEN

Active

Ended mandates

MARC CELEN

Manager

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates13/01/2025
WIJZIGING RECHTSVORM - ONTSLAGEN - BENOEMINGEN
PDF
Restructuring21/06/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring21/04/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Capital / shares05/01/2018
KAPITAAL - AANDELEN
PDF
Capital / shares03/02/2014
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Capital / shares28/10/2005
KAPITAAL - AANDELEN - ALGEMENE VERGADERING - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025992,8 €↓
2024
Annual accounts 202424,6 k €↓
2022
Annual accounts 2022100,5 k €↓
2021
Annual accounts 2021102,1 k €↓
2020
Annual accounts 2020105,9 k €↑
2019
Annual accounts 2019100,6 k €↑
2018
Annual accounts 201860,1 k €↑
2017
Annual accounts 201743,7 k €↓
2016
Annual accounts 201675,4 k €↑
2015
Annual accounts 201539,7 k €↓
2014
Annual accounts 201495 k €↓
2013
Annual accounts 2013105,2 k €↑
2012
Annual accounts 2012100 k €↑
2011
Annual accounts 201177,8 k €↑
2010
Annual accounts 201059,7 k €↓
2009
Annual accounts 200969,7 k €↑
2008
Annual accounts 200861,8 k €↑
2007
Annual accounts 200742,7 k €↑
2006
Annual accounts 200635,6 k €
31/01/1997
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

CEMA

Overview

What does CEMA do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline