CHABAL
ActiveSummary
The computed 12-month bankruptcy probability of CHABAL is 3.8% (moderate). The 2025 annual accounts show equity of €106,551 and a net result of €47,026. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 13484 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-7
Solvency54▼-13
Growth78=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.53 in 2024; short-term debt: 69.4% and cash: 67.5% of total assets), and 71.4% of the assets are financed with debt.
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Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
28.6%
Return on assets
12.6%
Age of the figures
9 mo
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 27-04-2026, 95 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
95 d early
2024
6 d early
2023
44 d early
2022
17 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, micro schema
Equity
€106,551▼ 10.9%
2024 · €119,525
Total assets
€373,014▲ 30.3%
2024 · €286,349
Net result
€47,026▼ 13.1%
2024 · €54,102
Working capital
€67,372▼ 21.1%
2024 · €85,360
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€40,637-€35,921▼ 11.6%€72,295▲ 101%€68,251▼ 5.6%
Net result€34,575-€27,848▼ 19.5%€54,102▲ 94.3%€47,026▼ 13.1%
Equity€37,575-€65,423▲ 74.1%€119,525▲ 82.7%€106,551▼ 10.9%
Total assets€156,677-€203,093▲ 29.6%€286,349▲ 41.0%€373,014▲ 30.3%
Debt€119,102-€137,670▲ 15.6%€166,823▲ 21.2%€266,463▲ 59.7%
Working capital-€19,578-€13,687€85,360▲ 524%€67,372▼ 21.1%
Staff (FTE)2.5-7.2▲ 188%9.3▲ 29.2%8.5▼ 8.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373,014
Fixed assets
€46,769 ▲ 17.6%
Current assets
€326,244 ▲ 32.3%
Equity and liabilities €373,014
Equity
€106,551 ▼ 10.9%
Debt
€266,463 ▲ 59.7%
Debt's share of the balance-sheet total rises from 58.3% to 71.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€83,002▼
2024 · €85,685
Cash flow
€61,776▼
2024 · €67,492
Current ratio
1.26▼
2024 · 1.53
Quick ratio
1.14▼
2024 · 1.36
Debt to equity
2.50▲
2024 · 1.40
ROE
44.1%▼
2024 · 45.3%
ROA
12.6%▼
2024 · 18.9%
Interest coverage
6.20▼
2024 · 9.93
Debt ≤ 1 year
€258,872▲
2024 · €161,227
Income taxes
€7,830▼
2024 · €9,580
Staff costs
€177,743▲
2024 · €132,938
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €35,895 | €125,460 | €132,938 | €177,743 | ▲ 33.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,986 | €12,549 | €13,391 | €14,751 | ▲ 10.2% |
| Other operating charges640/8 | €842 | €1,782 | €1,812 | €4,765 | ▲ 163% |
| Gross operating margin9900 | €85,360 | €175,711 | €220,435 | €265,511 | ▲ 20.4% |
| Operating profit (loss)9901 | €40,637 | €35,921 | €72,295 | €68,251 | ▼ 5.6% |
| Financial income75/76B | €156 | - | €12 | - | - |
| Recurring financial income75 | €156 | - | €12 | - | - |
| Financial charges65/66B | €1,483 | €3,684 | €8,625 | €13,396 | ▲ 55.3% |
| Recurring financial charges65 | €1,483 | €3,684 | €8,625 | €13,396 | ▲ 55.3% |
| Profit (loss) for the period before taxes9903 | €39,311 | €32,236 | €63,682 | €54,855 | ▼ 13.9% |
| Income taxes67/77 | €4,735 | €4,388 | €9,580 | €7,830 | ▼ 18.3% |
| Profit (loss) for the period9904 | €34,575 | €27,848 | €54,102 | €47,026 | ▼ 13.1% |
| Profit (loss) for the period to be appropriated9905 | €34,575 | €27,848 | €54,102 | €47,026 | ▼ 13.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €156,677 | €203,093 | €286,349 | €373,014 | ▲ 30.3% |
| Formation expenses20 | €129 | - | - | - | - |
| Fixed assets21/28 | €57,023 | €51,736 | €39,762 | €46,769 | ▲ 17.6% |
| Tangible fixed assets22/27 | €57,023 | €51,736 | €39,762 | €46,769 | ▲ 17.6% |
| Plant, machinery and equipment23 | €23,263 | €17,865 | €12,466 | €19,808 | ▲ 58.9% |
| Furniture and vehicles24 | €20,714 | €22,237 | €17,071 | €11,414 | ▼ 33.1% |
| Other tangible fixed assets26 | €13,046 | €11,635 | €10,224 | €15,547 | ▲ 52.1% |
| Current assets29/58 | €99,524 | €151,357 | €246,587 | €326,244 | ▲ 32.3% |
| Stocks and contracts in progress3 | €14,225 | €25,517 | €27,914 | €31,739 | ▲ 13.7% |
| Stocks30/36 | €14,225 | €25,517 | €27,914 | €31,739 | ▲ 13.7% |
| Amounts receivable within one year40/41 | €5,774 | €16,154 | €18,246 | €36,284 | ▲ 98.9% |
| Trade receivables40 | €5,771 | €10,506 | €6,960 | €21,693 | ▲ 212% |
| Other amounts receivable41 | €3 | €5,647 | €11,286 | €14,591 | ▲ 29.3% |
| Cash at bank and in hand54/58 | €79,436 | €102,755 | €196,948 | €251,613 | ▲ 27.8% |
| Deferred charges and accrued income490/1 | €88 | €6,930 | €3,479 | €6,608 | ▲ 89.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €156,677 | €203,093 | €286,349 | €373,014 | ▲ 30.3% |
| Equity10/15 | €37,575 | €65,423 | €119,525 | €106,551 | ▼ 10.9% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €34,575 | €62,423 | €116,525 | €103,551 | ▼ 11.1% |
| Amounts payable17/49 | €119,102 | €137,670 | €166,823 | €266,463 | ▲ 59.7% |
| Amounts payable within one year42/48 | €119,102 | €137,670 | €161,227 | €258,872 | ▲ 60.6% |
| Trade debts44 | €7,071 | €11,928 | €25,404 | €37,324 | ▲ 46.9% |
| Suppliers440/4 | €7,071 | €11,928 | €25,404 | €37,324 | ▲ 46.9% |
| Advances received on contracts in progress46 | €725 | €1,975 | €6,505 | €15,020 | ▲ 131% |
| Taxes, remuneration and social security45 | €20,609 | €31,824 | €29,128 | €42,622 | ▲ 46.3% |
| Taxes450/3 | €12,738 | €10,990 | €9,515 | €15,454 | ▲ 62.4% |
| Remuneration and social security454/9 | €7,871 | €20,834 | €19,613 | €27,168 | ▲ 38.5% |
| Other amounts payable47/48 | €90,696 | €91,943 | €100,190 | €163,906 | ▲ 63.6% |
| Accrued charges and deferred income492/3 | - | - | €5,597 | €7,591 | ▲ 35.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,575 | €27,848 | €54,102 | €47,026 | ▼ 13.1% |
| + Depreciation and write-downs630 | €7,986 | €12,549 | €13,391 | €14,751 | ▲ 10.2% |
| Operating cash flow (approximation) | €42,561 | €40,397 | €67,492 | €61,776 | ▼ 8.5% |
| Investment in fixed assets (approximation) | - | -€7,262 | -€1,416 | -€21,758 | ▼ 1,437% |
| Change in cash | - | €23,319 | €94,192 | €54,665 | ▼ 42.0% |
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
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €54,102 ▲94.3%
Operating result €72,295, net result €54,102, both a record.
31-12
Financial
Equity above €100,000Eq €119,525 ▲82.7%
3 profitable years in a row build equity to €119,525.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €27,848 ▼19.5%
Net result drops to €27,848, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
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, Charleroi · 1 establishment unit since 2022
Ground area
2,510 m²
Building footprint
211 m²
Volume, LiDAR
2,028 m³
Parcel 52050A0228/00G002, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Vilain
since 20222.328.569.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52050A0228/00G002 | Wallonia | 2,510 m² | 1 · 211 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 siteCharleroi2.328.569.528
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,451. 9,491 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
Contact
Website
www.vilainrestaurant.be
E-mail
hello@vilainrestaurant.be
Scores and ratios are computed by Checked and are not a credit decision.