ATELIER CHAPELLE
ActiveATELIER CHAPELLE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €37k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 60% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-1
Solvency81▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 2.88 in 2024; short-term debt: 23.9% and cash: 27.5% of total assets), and 44.2% 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
55.8%
Return on assets
9.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
19 d late
2023
72 d late
2022
25 d late
2021
78 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€220k▼ 6.5%
2024 · €235k
2018: €95k
2019: €147k
2020: €154k
2021: €172k
2022: €212k
2023: €216k
2024: €235k
2018 → 2025
Total assets
€395k▼ 1.3%
2024 · €400k
2018: €281k
2019: €273k
2020: €236k
2021: €274k
2022: €348k
2023: €408k
2024: €400k
2018 → 2025
Net result
€37k▼ 11.3%
2024 · €42k
2018: €34k
2019: €53k
2020: €8k
2021: €19k
2022: €40k
2023: €30k
2024: €42k
2018 → 2025
Working capital
€114k▼ 26.3%
2024 · €154k
2018: €72k
2019: €111k
2020: €110k
2021: €110k
2022: €138k
2023: €132k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€212k▲ 23.2%€216k▲ 1.9%€235k▲ 8.8%€220k▼ 6.5%
Operating result€24k-€52k▲ 112%€41k▼ 20.8%€59k▲ 44.5%€50k▼ 16.2%
Net result€19k-€40k▲ 110%€30k▼ 26.0%€42k▲ 41.6%€37k▼ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €395k
Fixed assets
€187k▲ 14.3%
Current assets
€208k▼ 12.0%
Equity and liabilities €395k
Equity
€220k▼ 6.5%
Debt
€175k▲ 6.3%
The debt ratio rises from 41.1% to 44.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€105k▼
2024 · €106k
Cash flow
€93k▲
2024 · €89k
Solvency
55.8%▼
2024 · 58.9%
Current ratio
2.20▼
2024 · 2.88
Quick ratio
1.92▼
2024 · 2.38
Debt / equity
0.79▲
2024 · 0.70
ROE
17.0%▼
2024 · 17.9%
ROA
9.5%▼
2024 · 10.5%
Interest coverage
27.21▲
2024 · 26.00
Debt
€175k▲
2024 · €164k
Debt ≤ 1 year
€94k▲
2024 · €82k
Debt > 1 year
€80k▼
2024 · €82k
Income taxes
€13k▼
2024 · €16k
Staff costs
€106k▲
2024 · €85k
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€400k€395k▼
Fixed assets21/28€163k€187k▲
Tangible fixed assets22/27€162k€185k▲
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€38k€44k▲
Furniture and vehicles24€119k€137k▲
Financial fixed assets28€1k€1k=
Current assets29/58€236k€208k▼
Stocks and contracts in progress3€41k€27k▼
Stocks30/36€41k€27k▼
Amounts receivable within one year40/41€53k€62k▲
Trade receivables40€43k€47k▲
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€130k€109k▼
Deferred charges and accrued income490/1€13k€11k▼
Equity and liabilities
Total equity and liabilities10/49€400k€395k▼
Equity10/15€235k€220k▼
Contributions10/11€20k€20k=
Reserves13€215k€199k▼
Distributable reserves133€215k€199k▼
Profit (loss) carried forward14€136€137▲
Amounts payable17/49€164k€175k▲
Amounts payable after more than one year17€82k€80k▼
Financial debts170/4€82k€80k▼
Amounts payable within one year42/48€82k€94k▲
Current portion of amounts payable after more than one year42€39k€43k▲
Trade debts44€6k€19k▲
Suppliers440/4€6k€19k▲
Advances received on contracts in progress46€4k-
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€8k€3k▼
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€19k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€85k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€56k▲
Other operating charges640/8€8k€2k▼
Gross operating margin9900€199k€213k▲
Operating profit (loss)9901€59k€50k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€58k€50k▼
Income taxes67/77€16k€13k▼
Profit (loss) for the period9904€42k€37k▼
Profit (loss) for the period to be appropriated9905€42k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€37k▼
Profit (loss) brought forward from the previous period14P€114€136▲
Transfer from equity791/2€23k€53k▲
Transfer to equity691/2€42k€37k▼
To other reserves6921€42k€37k▼
Profit to be distributed694/7€23k€53k▲
Return on contributions (dividend)694€23k€53k▲
The notes to these accounts (11 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €200kEq €212k ▲23.2%
5 profitable years in a row build equity to €212k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €8k ▼85.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €154k ▲5%
3 profitable years in a row build equity to €154k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €53k ▲55%
Operating result €71k, net result €53k, both a record.
31-12
Financial
Equity above €100kEq €147k ▲55.4%
2 profitable years in a row build equity to €147k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Baelen · 1 establishment unit since 2009
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.
Rue Perkiets(MCH) 494837 BaelenGround area
2,438 m²
Building footprint
531 m²
Volume, LiDAR
2,535 m³
Parcel 63051B0095/00Z000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Perkiets(MCH) 49, 4837 Baelen
since 20092.176.797.289
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63051B0095/00Z000 | Wallonia | 2,438 m² | 1 · 531 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,739 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2009
Fiscal year end31-12
Activities, NACEBEL
25401Forging of metal
43990Other specialised construction activities
43999Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43343Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.