Active BE 0795.393.169Private limited company

C.H.D.B.

Dorpsstraat 35 ·3560 Lummen, Belgium· 3 yrs active

Sector: Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen (47110)

Conclusion Checked

The computed 12-month bankruptcy probability of C.H.D.B. is 3.7% (moderate). The 2024 annual accounts show equity of €25k and a net result of €9k. Its solvency ranks better than 78% of 6698 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€25k
Net result	€9k
Better than sector	78%
Active	3 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 98

Profitability 46

Solvency 97

Growth 85

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Multiple establishment units +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

98 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 24-09-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	53.7%	20.4%	better than 78% of 6698 sector peers
Net result	€9k	€4k	better than 61% of 6678 sector peers
Equity	€25k	€16k	better than 58% of 6712 sector peers
Gross operating margin	€33k	€24k	better than 57% of 6657 sector peers
Staff costs	€382	€33k	higher than 6% of 3035 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€1.05M

+30.7% 23-24

EBITDA

€18k

- 23-24

Net profit

€9k

+65.2% 23-24

Cash flow

€9k

- 23-24

Total assets

€46k

-27.3% 23-24

Equity

€25k

+95.4% 23-24

Working capital

€24k

+89.7% 23-24

Staff costs

€382

+5357.1% 23-24

Income taxes

€1k

- 23-24

Debt

€21k

-57.9% 23-24

Debt ≤ 1y

€21k

-57.9% 23-24

Current ratio

2.13

+70.2% 23-24

Quick ratio

1.11

-11.5% 23-24

Solvency

53.7%

+168.6% 23-24

Debt / equity

0.86

-78.5% 23-24

ROE

37.3%

-15.4% 23-24

ROA

20.0%

+127.1% 23-24

Net margin

0.9%

+26.4% 23-24

EBITDA margin

1.7%

- 23-24

Interest coverage

2.46

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€1.05M
EBITDA	€18k
Net profit	€9k
Cash flow	€9k
Staff costs	€382
Income taxes	€1k
Dividends	-
Total assets	€46k
Equity	€25k
Debt	€21k
of which ≤ 1y	€21k
of which > 1y	-
Working capital	€24k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.13
Quick ratio	1.11
Working capital ratio	52.1%
Solvency	53.7%
Debt / equity	0.86
Long-term debt ratio	-
Interest coverage	2.46
Gross margin	3.2%
Net margin	0.9%
ROA	20.0%
ROE	37.3%
EBITDA margin	1.7%
Days sales outstanding	1d
Days payable outstanding	7d
Inventory turnover	46.28
Days inventory (DSI)	8d

Balance-sheet composition 2024

Assets

Fixed assets €728 · 1.6% Current assets €46k · 98.4%

Equity & liabilities

Equity €25k · 53.7% Debt €21k · 46.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€46k
Fixed assets	21/28	€728
Tangible fixed assets	22/27	€728
Current assets	29/58	€46k
Stocks & contracts in progress	3	€22k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€46k
Equity	10/15	€25k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€15k
Amounts payable	17/49	€21k
Amounts payable within one year	42/48	€21k
Trade debts payable within one year	44	€20k
Income statement
Turnover	70	€1.05M
Gross operating margin	9900	€33k
Operating result	9901	€18k
Financial charges	65	€7k
Result before taxes	9903	€10k
Income taxes	67/77	€1k
Net result for the period	9904	€9k
Result to be appropriated	9905	€9k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110)
Legal form	Private limited company(610)
Incorporation	26-12-2022
Status	Active
Postal code	3560

Establishment units 3 locations

C.H.D.B.

Dorpsstraat 21, 3560 LummenDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)

since 20232.339.480.840

C.H.D.B. nachtwinkel

Paalsesteenweg 11, 3580 BeringenDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)

since 20232.339.480.939

C.H.D.B. nachtwinkel

Dorpsstraat 35, 3560 LummenDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)

since 20232.339.481.038

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71542D1642/00P000	Flanders	357 m²	1 · 79 m²	10.1 m · 2 fl.
71004C0289/00H000	Flanders	328 m²	1 · 91 m²	11.2 m · 3 fl.
71542D1631/00X000	Flanders	84 m²	1 · 84 m²	-

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

24-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

02-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Company registry (CBE) Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112

Primary activity highlighted.

Names & trade names

Legal nameNL

C.H.D.B.

Registered office

Dorpsstraat 35

3560 Lummen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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