C.H.S.
ActiveThe computed 12-month bankruptcy probability of C.H.S. is 2.3% (moderate). The 2025 annual accounts show equity of €32k and a net result of €-1k. Equity is growing by ~47.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 18035 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency98▲+3
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 2.48 in 2024), and 41.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
58.5%
Return on assets
-1.9%
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 16-08-2026, 16 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 · 3 filingsDeviation from the deadline
2025
16 d late
2024
75 d late
2023
19 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 3.1%
2024 · €33k
2023: €1k
2024: €33k
2023 → 2025
Total assets
€54k▼ 16.3%
2024 · €65k
2023: €8k
2024: €65k
2023 → 2025
Net result
€-1k
2024 · €31k
2023: €925
2024: €31k
2023 → 2025
Working capital
€32k▼ 17.8%
2024 · €39k
2023: €1k
2024: €39k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€1k-€33k▲ 2,205%€32k▼ 3.1%
Operating result€3k-€39k▲ 1,250%€-576
Net result€925-€31k▲ 3,298%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €576 after €39k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €54k
Equity
€32k▼ 3.1%
Debt
€23k▼ 29.8%
The debt ratio falls from 49.5% to 41.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
58.5%▲
2024 · 50.5%
Current ratio
2.41▼
2024 · 2.48
Quick ratio
0.09▼
2024 · 0.88
Debt / equity
0.71▼
2024 · 0.98
ROE
-3.2%▼
2024 · 95.7%
ROA
-1.9%▼
2024 · 48.4%
Debt
€23k▼
2024 · €32k
Debt ≤ 1 year
€23k▼
2024 · €26k
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€65k€54k▼
Current assets29/58€65k€54k▼
Stocks and contracts in progress3€42k€52k▲
Stocks30/36€42k€52k▲
Amounts receivable within one year40/41€21k€957▼
Trade receivables40€21k-
Other amounts receivable41-€957
Cash at bank and in hand54/58€2k€988▼
Equity and liabilities
Total equity and liabilities10/49€65k€54k▼
Equity10/15€33k€32k▼
Contributions10/11€500€500=
Profit (loss) carried forward14€32k€31k▼
Amounts payable17/49€32k€23k▼
Amounts payable within one year42/48€26k€23k▼
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€320€1k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Other operating charges640/8€118€2k▲
Gross operating margin9900€39k€1k▼
Operating profit (loss)9901€39k€-576▼
Financial charges65/66B-€441
Recurring financial charges65-€441
Profit (loss) for the period before taxes9903€39k€-1k▼
Income taxes67/77€8k-
Profit (loss) for the period9904€31k€-1k▼
Profit (loss) for the period to be appropriated9905€31k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€31k▼
Profit (loss) brought forward from the previous period14P€925€32k▲
The notes to these accounts (1 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
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
31-12
Financial
Weakest financial yearnet €-1k ▼103%
Net result drops to €-1k, the lowest in the series.
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial
Highest result since 2023net €31k ▲3298%
Operating result €39k, net result €31k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.48
Current ratio from 1.23 to 2.48.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2023
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.
Gallifortlei 1422100 AntwerpenGround area
376 m²
Building footprint
344 m²
Volume, LiDAR
3,353 m³
2 parcels, Flanders · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
/
since 20232.352.247.129
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0558/00D028 | Flanders | 190 m² | 1 · 170 m² | 10.8 m · 1 fl. |
| 35385B0053/00A005 | Flanders | 186 m² | 1 · 174 m² | 18.3 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.352.247.129
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BE 0699.922.801
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AKR GROUP
BE 0556.618.563
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EGO.SHOP
BE 0801.632.942
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SADIK HALAC
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Kortrijk · Eq €32k
Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 4,414 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.