CH-IL
ActiveSummary
The computed 12-month bankruptcy probability of CH-IL is 4.8% (elevated). The 2024 annual accounts show negative equity (€-58k) and a net result of €-23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 15865 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.75 in 2023; short-term debt: 130.6% and cash: 6.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk
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 · 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 2024Solvency, return and age of the figures
Solvency
-54.1%
Return on assets
-21.1%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year €-58k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2026, 314 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
314 d late
2023
247 d late
2022
408 d late
2021
243 d late
2020
51 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-58k▼ 63.8%
2023 · €-36k
2020: €-9k
2021: €-9k▼ -4.3% vs 2020
2022: €-3k▲ +63.6% vs 2021highest in 5 years
2023: €-36k▼ -951% vs 2022
2024: €-58k▼ -63.8% vs 2023lowest in 5 years
2020 → 2024
Total assets
€107k▼ 5.8%
2023 · €114k
2020: €68klowest in 5 years
2021: €209k▲ +208% vs 2020highest in 5 years
2022: €144k▼ -31.1% vs 2021
2023: €114k▼ -20.7% vs 2022
2024: €107k▼ -5.8% vs 2023
2020 → 2024
Net result
€-23k▲ 29.5%
2023 · €-32k
2020: €-9k
2021: €-379▲ +95.7% vs 2020
2022: €6k▲ +1655% vs 2021highest in 5 years
2023: €-32k▼ -645% vs 2022lowest in 5 years
2024: €-23k▲ +29.5% vs 2023
2020 → 2024
Working capital
€-62k▼ 130%
2023 · €-27k
2020: €-47k
2021: €-53k▼ -14.4% vs 2020
2022: €-21k▲ +60.9% vs 2021highest in 5 years
2023: €-27k▼ -29.4% vs 2022
2024: €-62k▼ -130% vs 2023lowest in 5 years
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-9k-€-9k▼ 4.3%€-3k▲ 63.6%€-36k▼ 951%€-58k▼ 63.8%
2020: €-9k
2021: €-9k▼ -4.3% vs 2020
2022: €-3k▲ +63.6% vs 2021highest in 5 years
2023: €-36k▼ -951% vs 2022
2024: €-58k▼ -63.8% vs 2023lowest in 5 years
Operating result€-8k-€3k€13k▲ 280%€-26k€-18k▲ 30.2%
2020: €-8k
2021: €3k▲ +141% vs 2020
2022: €13k▲ +280% vs 2021highest in 5 years
2023: €-26k▼ -305% vs 2022lowest in 5 years
2024: €-18k▲ +30.2% vs 2023
Net result€-9k-€-379▲ 95.7%€6k€-32k€-23k▲ 29.5%
2020: €-9k
2021: €-379▲ +95.7% vs 2020
2022: €6k▲ +1655% vs 2021highest in 5 years
2023: €-32k▼ -645% vs 2022lowest in 5 years
2024: €-23k▲ +29.5% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2024 against €26k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €107k
Fixed assets
€29k ▼ 10.3%
Current assets
€78k ▼ 4.0%
Key figures and ratios
EBITDA
€-13k▲
2023 · €-22k
Cash flow
€-18k▲
2023 · €-28k
Solvency
-54.1%▼
2023 · -31.1%
Current ratio
0.56▼
2023 · 0.75
Quick ratio
0.11▼
2023 · 0.18
Debt to equity
-2.85▲
2023 · -4.21
ROA
-21.1%▲
2023 · -28.2%
Interest coverage
-2.59▲
2023 · -3.58
Debt
€166k▲
2023 · €150k
Debt ≤ 1 year
€140k▲
2023 · €108k
Debt > 1 year
€18k▼
2023 · €30k
Income taxes
€-487▼
2023 · €1
Staff costs
€325▲
2023 · €15
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€114k€107k▼
Fixed assets21/28€33k€29k▼
Tangible fixed assets22/27€16k€12k▼
Plant, machinery and equipment23€904-
Furniture and vehicles24€3k€3k▲
Other tangible fixed assets26€12k€9k▼
Financial fixed assets28€17k€17k=
Current assets29/58€81k€78k▼
Stocks and contracts in progress3€61k€63k▲
Stocks30/36€61k€63k▲
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€4k€725▼
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€4k€7k▲
Deferred charges and accrued income490/1€7k-
Equity and liabilities
Total equity and liabilities10/49€114k€107k▼
Equity10/15€-36k€-58k▼
Profit (loss) carried forward14€-36k€-58k▼
Amounts payable17/49€150k€166k▲
Amounts payable after more than one year17€30k€18k▼
Financial debts170/4€30k€18k▼
Amounts payable within one year42/48€108k€140k▲
Financial debts43€12k€12k▲
Credit institutions430/8€12k€12k▲
Trade debts44€53k€60k▲
Suppliers440/4€53k€60k▲
Taxes, remuneration and social security45€32k€60k▲
Taxes450/3€32k€38k▲
Remuneration and social security454/9-€22k
Other amounts payable47/48€11k€8k▼
Accrued charges and deferred income492/3€11k€8k▼
Income statement
Code20232024
Remuneration, social security and pensions62€15€325▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€13k€4k▼
Gross operating margin9900€-9k€-9k▼
Operating profit (loss)9901€-26k€-18k▲
Financial income75/76B€9€238▲
Recurring financial income75€9€238▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-32k€-23k▲
Income taxes67/77€1€-487▼
Profit (loss) for the period9904€-32k€-23k▲
Profit (loss) for the period to be appropriated9905€-32k€-23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-58k▼
Profit (loss) brought forward from the previous period14P€-3k€-36k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €14k | €14k | €15 | €325 | ▲ 2,067% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €10k | €7k | €4k | €5k | ▲ 13.8% |
| Other operating charges640/8 | - | €631 | - | €13k | €4k | ▼ 70.6% |
| Gross operating margin9900 | €-479 | €29k | €34k | €-9k | €-9k | ▼ 5.4% |
| Operating profit (loss)9901 | €-8k | €3k | €13k | €-26k | €-18k | ▲ 30.2% |
| Financial income75/76B | - | €18 | - | €9 | €238 | ▲ 2,544% |
| Recurring financial income75 | - | €18 | - | €9 | €238 | ▲ 2,544% |
| Financial charges65/66B | - | €4k | €4k | €6k | €5k | ▼ 14.8% |
| Recurring financial charges65 | €836 | €4k | €4k | €6k | €5k | ▼ 14.8% |
| Profit (loss) for the period before taxes9903 | €-9k | €-379 | €8k | €-32k | €-23k | ▲ 28.0% |
| Income taxes67/77 | - | - | €3k | €1 | €-487 | ▼ 48,800% |
| Profit (loss) for the period9904 | €-9k | €-379 | €6k | €-32k | €-23k | ▲ 29.5% |
| Profit (loss) for the period to be appropriated9905 | €-9k | €-379 | €6k | €-32k | €-23k | ▲ 29.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €68k | €209k | €144k | €114k | €107k | ▼ 5.8% |
| Fixed assets21/28 | €43k | €103k | €62k | €33k | €29k | ▼ 10.3% |
| Intangible fixed assets21 | €22k | €19k | - | - | - | - |
| Tangible fixed assets22/27 | €13k | €59k | €46k | €16k | €12k | ▼ 21.2% |
| Plant, machinery and equipment23 | - | €21k | €11k | €904 | - | - |
| Furniture and vehicles24 | - | €2k | €4k | €3k | €3k | ▲ 22.2% |
| Other tangible fixed assets26 | - | €36k | €31k | €12k | €9k | ▼ 24.6% |
| Financial fixed assets28 | €8k | €25k | €17k | €17k | €17k | = |
| Current assets29/58 | €24k | €105k | €81k | €81k | €78k | ▼ 4.0% |
| Stocks and contracts in progress3 | €22k | €96k | €78k | €61k | €63k | ▲ 3.3% |
| Stocks30/36 | - | €96k | €78k | €61k | €63k | ▲ 3.3% |
| Amounts receivable within one year40/41 | €315 | €14 | €1k | €9k | €8k | ▼ 7.1% |
| Trade receivables40 | - | €14 | €920 | €4k | €725 | ▼ 82.5% |
| Other amounts receivable41 | - | - | €142 | €5k | €8k | ▲ 58.9% |
| Cash at bank and in hand54/58 | €2k | €8k | €3k | €4k | €7k | ▲ 47.3% |
| Deferred charges and accrued income490/1 | - | €1k | - | €7k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €68k | €209k | €144k | €114k | €107k | ▼ 5.8% |
| Equity10/15 | €-9k | €-9k | €-3k | €-36k | €-58k | ▼ 63.8% |
| Contributions10/11 | €0 | - | - | - | - | - |
| Profit (loss) carried forward14 | €-9k | €-9k | €-3k | €-36k | €-58k | ▼ 63.8% |
| Amounts payable17/49 | €77k | €218k | €147k | €150k | €166k | ▲ 10.7% |
| Amounts payable after more than one year17 | - | €54k | €42k | €30k | €18k | ▼ 41.4% |
| Financial debts170/4 | - | €54k | €42k | €30k | €18k | ▼ 41.4% |
| Amounts payable within one year42/48 | €71k | €159k | €102k | €108k | €140k | ▲ 29.4% |
| Financial debts43 | - | €11k | €12k | €12k | €12k | ▲ 2.9% |
| Credit institutions430/8 | - | €11k | €12k | €12k | €12k | ▲ 2.9% |
| Trade debts44 | €7k | €87k | €63k | €53k | €60k | ▲ 13.3% |
| Suppliers440/4 | - | €87k | €63k | €53k | €60k | ▲ 13.3% |
| Taxes, remuneration and social security45 | - | €12k | €25k | €32k | €60k | ▲ 85.1% |
| Taxes450/3 | - | €9k | €25k | €32k | €38k | ▲ 17.4% |
| Remuneration and social security454/9 | - | €3k | €85 | - | €22k | - |
| Other amounts payable47/48 | - | €49k | €3k | €11k | €8k | ▼ 28.3% |
| Accrued charges and deferred income492/3 | - | €6k | €3k | €11k | €8k | ▼ 31.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-9k | €-379 | €6k | €-32k | €-23k | ▲ 29.5% |
| + Depreciation and write-downs630 | €7k | €10k | €7k | €4k | €5k | ▲ 13.8% |
| Operating cash flow (approximation) | €-2k | €10k | €13k | €-28k | €-18k | ▲ 35.9% |
| Investment in fixed assets (approximation) | - | €-70k | €34k | €26k | €-1k | ▼ 105% |
| Change in cash | - | €5k | €-5k | €2k | €2k | ▲ 17.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 314 days late
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 247 days late
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 408 days late
2023
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 243 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 1 establishment unit since 2019
Ground area
321 m²
Building footprint
159 m²
Volume, LiDAR
2,754 m³
2 parcels, Brussels · tallest building 22.6 m, ±7 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
CH-IL
since 20192.294.281.612
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0080/00N002 | Brussels | 244 m² | 1 · 97 m² | 18.9 m · 5 fl. |
| 21811M0742/00W000 | Brussels | 77 m² | 1 · 62 m² | 22.6 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,744 companies in sector 46150 we hold annual accounts for 759. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
47742Retail sale of prescription glasses, lenses and sunglasses
Scores and ratios are computed by Checked and are not a credit decision.