CHA-FAU
ActiveSummary
CHA-FAU has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €182k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
0.5%
Return on assets
45.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
74 d early
2024
31 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k=
2024 · €2k
2020: €14k
2021: €43k
2022: €49k
2023: €2k
2024: €2k
2020 → 2025
Total assets
€399k▼ 2.0%
2024 · €408k
2020: €378k
2021: €353k
2022: €347k
2023: €372k
2024: €408k
2020 → 2025
Net result
€182k▲ 38.4%
2024 · €132k
2020: €12k
2021: €29k
2022: €9k
2023: €79k
2024: €132k
2020 → 2025
Working capital
€-46k▲ 10.6%
2024 · €-51k
2020: €-23k
2021: €3k
2022: €10k
2023: €-39k
2024: €-51k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€49k▲ 14.0%€2k▼ 95.9%€2k=€2k=
Operating result€42k-€15k▼ 63.0%€102k▲ 560%€175k▲ 72.0%€239k▲ 36.5%
Net result€29k-€9k▼ 68.7%€79k▲ 776%€132k▲ 67.1%€182k▲ 38.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€186k ▼ 21.5%
Current assets
€213k ▲ 25.1%
Equity and liabilities €399k
Equity
€2k =
Debt
€397k ▼ 2.0%
Debt's share of the balance-sheet total stays at 99.5%.
Key figures and ratios
EBITDA
€290k▲
2024 · €221k
Cash flow
€234k▲
2024 · €177k
Current ratio
0.82▲
2024 · 0.77
ROA
45.6%▲
2024 · 32.3%
Interest coverage
81.96▲
2024 · 45.58
Debt ≤ 1 year
€259k▲
2024 · €222k
Debt > 1 year
€138k▼
2024 · €184k
Income taxes
€55k▲
2024 · €40k
A ratio outside any meaningful range has been withheld (balance sheet total €399k, equity €2k).
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 · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€408k€399k▼
Fixed assets21/28€237k€186k▼
Intangible fixed assets21€183k€148k▼
Tangible fixed assets22/27€55k€39k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€53k€37k▼
Current assets29/58€170k€213k▲
Amounts receivable within one year40/41€94k€145k▲
Trade receivables40€50k€62k▲
Other amounts receivable41€44k€83k▲
Cash at bank and in hand54/58€76k€67k▼
Deferred charges and accrued income490/1€311€1k▲
Equity and liabilities
Total equity and liabilities10/49€408k€399k▼
Equity10/15€2k€2k=
Contributions10/11€2k€2k=
Amounts payable17/49€406k€397k▼
Amounts payable after more than one year17€184k€138k▼
Financial debts170/4€184k€138k▼
Amounts payable within one year42/48€222k€259k▲
Current portion of amounts payable after more than one year42€45k€45k▲
Trade debts44€19k€12k▼
Suppliers440/4€19k€12k▼
Taxes, remuneration and social security45€15k€7k▼
Taxes450/3€15k€7k▼
Other amounts payable47/48€143k€194k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€52k▲
Other operating charges640/8€3k€695▼
Gross operating margin9900€224k€291k▲
Operating profit (loss)9901€175k€239k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€171k€237k▲
Income taxes67/77€40k€55k▲
Profit (loss) for the period9904€132k€182k▲
Profit (loss) for the period to be appropriated9905€132k€182k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€182k▲
Profit to be distributed694/7€132k€182k▲
Return on contributions (dividend)694€132k€182k▲
The notes to these accounts (9 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €182k ▲38.4%
Operating result €239k, net result €182k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €9k ▼68.7%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Manhay · 1 establishment unit since 2020
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.
E'Naine,Freyneux 26960 ManhayGround area
2,417 m²
Building footprint
244 m²
Parcel 83011A0234/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CHA-FAU
since 20202.297.539.723
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83011A0234/00E000 | Wallonia | 2,417 m² | 1 · 244 m² | - |
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.
Similar companies · same sector, comparable size
NELBEN
BE 1025.866.654
Hasselt · Eq €2,287
AMANDINE RIXHON
BE 0793.755.255
Orp-Jauche · Eq €1,648
ARLAW
BE 1026.828.835
Dinant · Eq €1,610
M.B.H.D.J.
BE 1012.816.590
Profondeville · Eq €2,503
KENNETH HUYBRECHTS
BE 0792.409.529
Pelt · Eq €2,543
Of 1,019 companies in sector 69103 we hold annual accounts for 611. 70 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.