C.H.L.
ActiveC.H.L. has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 75% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
91
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+1
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.1 against 3.54 in 2024), and 32.4% 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 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
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
67.6%
Return on assets
1.9%
Age of the figures
8 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 27-08-2026, 27 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
27 d late
2024
29 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
36 d early
2019
55 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▼ 6.2%
2024 · €97k
2018: €135k
2019: €137k
2020: €86k
2021: €91k
2022: €93k
2023: €95k
2024: €97k
2018 → 2025
Total assets
€135k▲ 3.0%
2024 · €131k
2018: €1.17M
2019: €1.75M
2020: €196k
2021: €204k
2022: €206k
2023: €202k
2024: €131k
2018 → 2025
Net result
€3k▲ 3.1%
2024 · €2k
2018: €11k
2019: €2k
2020: €-51k
2021: €5k
2022: €2k
2023: €1k
2024: €2k
2018 → 2025
Working capital
€69k▼ 19.5%
2024 · €85k
2018: €112k
2019: €123k
2020: €74k
2021: €61k
2022: €73k
2023: €75k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€93k▲ 2.0%€95k▲ 1.5%€97k▲ 2.6%€91k▼ 6.2%
Operating result€9k-€3k▼ 67.4%€2k▼ 43.8%€3k▲ 90.7%€4k▲ 25.9%
Net result€5k-€2k▼ 63.3%€1k▼ 26.9%€2k▲ 80.2%€3k▲ 3.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€44k▲ 275%
Current assets
€91k▼ 23.6%
Equity and liabilities €135k
Equity
€91k▼ 6.2%
Debt
€44k▲ 29.6%
The debt ratio rises from 25.7% to 32.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€16k▲
2024 · €12k
Cash flow
€15k▲
2024 · €11k
Solvency
67.6%▼
2024 · 74.3%
Current ratio
4.10▲
2024 · 3.54
Quick ratio
3.31▲
2024 · 2.91
Debt / equity
0.48▲
2024 · 0.35
ROE
2.8%▲
2024 · 2.5%
ROA
1.9%▲
2024 · 1.9%
Interest coverage
12.22▼
2024 · 23.55
Debt
€44k▲
2024 · €34k
Debt ≤ 1 year
€22k▼
2024 · €34k
Debt > 1 year
€21k
Income taxes
€253▲
2024 · €245
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€131k€135k▲
Fixed assets21/28€12k€44k▲
Tangible fixed assets22/27€12k€44k▲
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€8k€2k▼
Leasing and similar rights25-€40k
Financial fixed assets28€50€50=
Current assets29/58€119k€91k▼
Stocks and contracts in progress3€21k€18k▼
Stocks30/36€21k€18k▼
Amounts receivable within one year40/41€19k€21k▲
Trade receivables40€16k€8k▼
Other amounts receivable41€3k€12k▲
Cash at bank and in hand54/58€76k€50k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€131k€135k▲
Equity10/15€97k€91k▼
Contributions10/11€19k€19k=
Reserves13€32k€26k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€24k▼
Profit (loss) carried forward14€46k€46k=
Amounts payable17/49€34k€44k▲
Amounts payable after more than one year17-€21k
Financial debts170/4-€21k
Amounts payable within one year42/48€34k€22k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€245€815▲
Taxes450/3€245€815▲
Other amounts payable47/48€26k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€20k€19k▼
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€145€287▲
Recurring financial income75€145€287▲
Financial charges65/66B€492€1k▲
Recurring financial charges65€492€1k▲
Profit (loss) for the period before taxes9903€3k€3k▲
Income taxes67/77€245€253▲
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€49k▲
Profit (loss) brought forward from the previous period14P€46k€46k=
Transfer from equity791/2-€9k
Transfer to equity691/2€2k€3k▲
To other reserves6921€2k€3k▲
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 3.54
Current ratio from 1.76 to 3.54; short-term debt falls from €99k to €34k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-51k ▼2817%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Froidchapelle · 1 establishment unit since 2000
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 Paradis(BLW) 76440 FroidchapelleGround area
280 m²
Building footprint
111 m²
Volume, LiDAR
732 m³
Parcel 56013B0160/00D000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Paradis(BLW) 7, 6440 Froidchapelle
since 20002.093.987.302
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56013B0160/00D000 | Wallonia | 280 m² | 1 · 111 m² | 7.7 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 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,029 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-08-2000
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.