ALL CHAUF
ActiveALL CHAUF has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €503k and a net result of €64k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 65% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+4
Solvency86▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.65 in 2024; short-term debt: 38.7% and cash: 8.7% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
61%
Return on assets
7.7%
Age of the figures
18 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €503k
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-11-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
30 d late
2022
58 d late
2021
30 d late
2020
30 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€503k▲ 14.5%
2024 · €439k
2019: €926k
2020: €471k
2021: €506k
2022: €409k
2023: €440k
2024: €439k
2019 → 2025
Total assets
€825k▲ 2.8%
2024 · €802k
2019: €1.21M
2020: €922k
2021: €897k
2022: €896k
2023: €859k
2024: €802k
2019 → 2025
Net result
€64k▲ 76.5%
2024 · €36k
2019: €55k
2020: €45k
2021: €74k
2022: €75k
2023: €64k
2024: €36k
2019 → 2025
Working capital
€-44k▲ 64.3%
2024 · €-122k
2019: €485k
2020: €56k
2021: €54k
2022: €-77k
2023: €-70k
2024: €-122k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€506k-€409k▼ 19.1%€440k▲ 7.6%€439k▼ 0.2%€503k▲ 14.5%
Operating result€115k-€116k▲ 0.3%€99k▼ 14.1%€56k▼ 43.1%€95k▲ 68.6%
Net result€74k-€75k▲ 0.9%€64k▼ 14.2%€36k▼ 43.6%€64k▲ 76.5%
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 69% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €825k
Fixed assets
€549k▼ 4.5%
Current assets
€275k▲ 21.5%
Equity and liabilities €825k
Equity
€503k▲ 14.5%
Debt
€322k▼ 11.3%
The debt ratio falls from 45.2% to 39.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€123k▲
2024 · €90k
Cash flow
€91k▲
2024 · €70k
Solvency
61.0%▲
2024 · 54.8%
Current ratio
0.86▲
2024 · 0.65
Quick ratio
0.77▲
2024 · 0.55
Debt / equity
0.64▼
2024 · 0.83
ROE
12.7%▲
2024 · 8.2%
ROA
7.7%▲
2024 · 4.5%
Interest coverage
62.63▲
2024 · 30.99
Debt
€322k▼
2024 · €363k
Debt ≤ 1 year
€319k▼
2024 · €349k
Debt > 1 year
€1k▼
2024 · €14k
Income taxes
€30k▲
2024 · €18k
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€802k€825k▲
Fixed assets21/28€576k€549k▼
Tangible fixed assets22/27€576k€549k▼
Land and buildings22€574k€547k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€57€1k▲
Current assets29/58€227k€275k▲
Stocks and contracts in progress3€36k€28k▼
Stocks30/36€36k€28k▼
Amounts receivable within one year40/41€42k€40k▼
Trade receivables40€37k€39k▲
Other amounts receivable41€5k€880▼
Current investments50/53€82k€133k▲
Cash at bank and in hand54/58€64k€72k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€802k€825k▲
Equity10/15€439k€503k▲
Contributions10/11€71k€71k=
Reserves13€356k€419k▲
Distributable reserves133€356k€419k▲
Profit (loss) carried forward14€13k€13k▲
Amounts payable17/49€363k€322k▼
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€349k€319k▼
Current portion of amounts payable after more than one year42€38k€13k▼
Trade debts44€14k€9k▼
Suppliers440/4€14k€9k▼
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€298k€290k▼
Accrued charges and deferred income492/3€33€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€28k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€92k€125k▲
Operating profit (loss)9901€56k€95k▲
Financial income75/76B€691€774▲
Recurring financial income75€691€774▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€54k€94k▲
Income taxes67/77€18k€30k▲
Profit (loss) for the period9904€36k€64k▲
Profit (loss) for the period to be appropriated9905€36k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€76k▲
Profit (loss) brought forward from the previous period14P€13k€13k▲
Transfer from equity791/2€37k-
Transfer to equity691/2€36k€63k▲
To other reserves6921€36k€63k▲
Profit to be distributed694/7€37k-
Return on contributions (dividend)694€37k-
The notes to these accounts (10 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
31-03
Financial
Equity above €500kEq €503k ▲14.5%
7 profitable years in a row build equity to €503k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €36k ▼43.6%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
31-03
Financial
Highest result since 2019net €75k ▲0.9%
Operating result €116k, net result €75k, both a record.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-03
Financial
Equity above €500kEq €506k ▲7.4%
3 profitable years in a row build equity to €506k.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Blankenberge · 1 establishment unit since 2001
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.
Alkenlaan 28370 BlankenbergeGround area
1,549 m²
Building footprint
281 m²
Volume, LiDAR
1,718 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ALL CHAUF
since 20012.100.309.029
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31034B0486/00Y004 | Flanders | 1,347 m² | 1 · 182 m² | 9.5 m · 2 fl. |
| 31602B0211/00Y004 | Flanders | 202 m² | 1 · 98 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VINCK KRIS
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DE GROOTE PETER
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Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 4,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2001
Fiscal year end31-03
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.