C&H
ActiveThe computed 12-month bankruptcy probability of C&H is 1.6% (moderate). The 2025 annual accounts show negative equity (€-44k) and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 7318 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
15
/ 100
Critical▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▼-12
Solvency34▲+1
Growth72▲+17
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.09 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-81.1%
Return on assets
-14.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
18192021222325
2018 to 2025 · latest year -€44k
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
28 d late
2023
20 d late
2022
14 d early
2021
2 d early
2020
18 d late
2019
31 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.24M▲ 1,243,074%
2020 · €100
2020: €100
2020 → 2022
EBIT margin
16.1%▲ 30684.2pp
2020 · -30668.0%
2020: -30668.0%
2020 → 2022
Net result
€-8k▲ 89.7%
2023 · €-76k
2018: €-26k
2019: €-43k
2020: €-32k
2021: €-39k
2022: €170k
2023: €-76k
2018 → 2025
Working capital
€-46k▲ 90.5%
2023 · €-482k
2018: €-30k
2019: €-74k
2020: €-47k
2021: €804k
2022: €-424k
2023: €-482k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Turnover€100-€1.24M
Equity€-66k-€-105k▼ 59.6%€63k€-13k€-44k▼ 240%
Operating result€-31k-€-34k▼ 9.9%€200k€-75k€-8k▲ 89.9%
Net result€-32k-€-39k▼ 22.7%€170k€-76k€-8k▲ 89.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €75k in 2023; the loss shrinks.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €54k
Fixed assets
€2k▼ 99.7%
Current assets
€53k▲ 12.7%
Key figures and ratios
EBITDA
€-7k▲
2023 · €-53k
Cash flow
€-7k▲
2023 · €-54k
Solvency
-81.1%▼
2023 · -2.5%
Current ratio
0.54▲
2023 · 0.09
Quick ratio
0.54▲
2023 · 0.09
Debt / equity
-2.23▲
2023 · -40.74
ROE
17.5%▼
2023 · 581.4%
ROA
-14.2%▲
2023 · -14.6%
Interest coverage
-34.89▲
2023 · -86.62
Debt
€99k▼
2023 · €529k
Debt ≤ 1 year
€99k▼
2023 · €529k
Income taxes
€0▲
2023 · €-37
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€516k€54k▼
Fixed assets21/28€469k€2k▼
Tangible fixed assets22/27€469k€2k▼
Land and buildings22€468k-
Plant, machinery and equipment23€397€918▲
Furniture and vehicles24€695€590▼
Other tangible fixed assets26€0€0=
Current assets29/58€47k€53k▲
Amounts receivable within one year40/41€8k€26k▲
Trade receivables40-€24k
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€38k€25k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€516k€54k▼
Equity10/15€-13k€-44k▼
Contributions10/11€19k€1k▼
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€-33k€-46k▼
Amounts payable17/49€529k€99k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€529k€99k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€180€1k▲
Suppliers440/4€180€1k▲
Advances received on contracts in progress46-€27k
Taxes, remuneration and social security45€13k€45▼
Taxes450/3€13k€45▼
Other amounts payable47/48€512k€70k▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€787▼
Other operating charges640/8€1k€490▼
Gross operating margin9900€-52k€-6k▲
Operating profit (loss)9901€-75k€-8k▲
Financial charges65/66B€616€194▼
Recurring financial charges65€616€194▼
Profit (loss) for the period before taxes9903€-76k€-8k▲
Income taxes67/77€-37€0▲
Profit (loss) for the period9904€-76k€-8k▲
Profit (loss) for the period to be appropriated9905€-76k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-46k▼
Profit (loss) brought forward from the previous period14P€42k€-38k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €-76k ▼145%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €170k
Net result €170k after 4 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 3.51
Current ratio from 0.83 to 3.51.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Fleurus · 1 establishment unit since 2012
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 du Cortil(WB) 66224 FleurusGround area
272 m²
Building footprint
75 m²
Volume, LiDAR
450 m³
Parcel 52071C0969/00G002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C&H
since 20122.215.411.209
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071C0969/00G002 | Wallonia | 272 m² | 1 · 75 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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CEBA CONSTRUCTION
BE 0782.487.320
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BMG SERVICES
BE 0476.750.248
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ArcoVista
BE 1022.373.367
Houthalen-Helchteren · Eq €63k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 13,037 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.