Summary
CHAFI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €300,681 and a net result of €52,362. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 18% of 6166 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-06-2026, 37 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
37 d early
2024
8 d early
2023
9 d early
2022
on the day
2021
2 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 23 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€300,681▲ 21.1%
2023 · €248,319
Net result
€52,362▼ 17.9%
2023 · €63,814
Total assets
€1.7m▲ 1.6%
2023 · €1.7m
Solvency
17.5%▲ 2.8pp
2023 · 14.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€32,139▼ 48.4%€41,141▲ 28.0%€97,034▲ 136%€67,261▼ 30.7%€120,952▲ 79.8%
Net result€19,415within the sector's middle half▼ 58.7%€22,650within the sector's middle half▲ 16.7%€61,836within the sector's middle half▲ 173%€63,814within the sector's middle half▲ 3.2%€52,362within the sector's middle half▼ 17.9%
Equity€100,019within the sector's middle half▲ 24.1%€122,669below the sector's middle half▲ 22.6%€184,505within the sector's middle half▲ 50.4%€248,319within the sector's middle half▲ 34.6%€300,681within the sector's middle half▲ 21.1%
Total assets€270,712within the sector's middle half▲ 5.2%€405,636below the sector's middle half▲ 49.8%€431,796below the sector's middle half▲ 6.4%€1.7mwithin the sector's middle half▲ 290%€1.7mwithin the sector's middle half▲ 1.6%
Debt€170,693▼ 3.4%€282,967▲ 65.8%€247,291▼ 12.6%€1.4m▲ 481%€1.4m▼ 1.7%
Working capital€91,640within the sector's middle half▲ 44.3%-€17,385within the sector's middle half€109,986within the sector's middle half-€28,351within the sector's middle half€55,884within the sector's middle half
Solvency36.9%within the sector's middle half▲ 5.6pp30.2%within the sector's middle half▼ 6.7pp42.7%within the sector's middle half▲ 12.5pp14.7%below the sector's middle half▼ 28.0pp17.5%below the sector's middle half▲ 2.8pp
Current ratio2.07within the sector's middle half▲ 0.420.92within the sector's middle half▼ 1.161.98within the sector's middle half▲ 1.060.88within the sector's middle half▼ 1.101.31within the sector's middle half▲ 0.43
Return on assets (ROA)7.2%within the sector's middle half▼ 11.1pp5.6%within the sector's middle half▼ 1.6pp14.3%above the sector's middle half▲ 8.7pp3.8%within the sector's middle half▼ 10.5pp3.1%within the sector's middle half▼ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 80% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.5m ▼ 0.4%
Current assets
€235,974 ▲ 16.3%
Equity and liabilities €1.7m
Equity
€300,681 ▲ 21.1%
Debt
€1.4m ▼ 1.7%
Debt's share of the balance-sheet total falls from 85.3% to 82.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.4%▼
2023 · 25.7%
Debt ≤ 1 year
€180,090▼
2023 · €231,285
Debt > 1 year
€1.2m▲
2023 · €1.2m
Income taxes
€25,842▲
2023 · €20,880
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,461 | €4,623 | €4,645 | €4,989 | €5,270 | ▲ 5.6% |
| Other operating charges640/8 | - | €1,386 | €21,519 | €1,426 | €1,581 | ▲ 10.9% |
| Gross operating margin9900 | €38,290 | €47,150 | €123,198 | €73,676 | €127,803 | ▲ 73.5% |
| Operating profit (loss)9901 | €32,139 | €41,141 | €97,034 | €67,261 | €120,952 | ▲ 79.8% |
| Financial income75/76B | - | - | - | €28,733 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | - | €28,733 | €0 | ▼ 100% |
| Financial charges65/66B | - | €2,495 | €6,826 | €11,300 | €42,749 | ▲ 278% |
| Recurring financial charges65 | €2,708 | €2,495 | €6,826 | €11,300 | €42,749 | ▲ 278% |
| Profit (loss) for the period before taxes9903 | €29,431 | €38,647 | €90,208 | €84,694 | €78,203 | ▼ 7.7% |
| Income taxes67/77 | €10,016 | €15,997 | €28,372 | €20,880 | €25,842 | ▲ 23.8% |
| Profit (loss) for the period9904 | €19,415 | €22,650 | €61,836 | €63,814 | €52,362 | ▼ 17.9% |
| Profit (loss) for the period to be appropriated9905 | €19,415 | €22,650 | €61,836 | €63,814 | €52,362 | ▼ 17.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €270,712 | €405,636 | €431,796 | €1.7m | €1.7m | ▲ 1.6% |
| Fixed assets21/28 | €93,704 | €214,083 | €209,469 | €1.5m | €1.5m | ▼ 0.4% |
| Tangible fixed assets22/27 | €93,704 | €89,080 | €84,463 | €100,837 | €95,567 | ▼ 5.2% |
| Land and buildings22 | - | €89,080 | €84,457 | €100,837 | €95,567 | ▼ 5.2% |
| Furniture and vehicles24 | - | - | €6 | €0 | - | - |
| Financial fixed assets28 | - | €125,003 | €125,006 | €1.4m | €1.4m | = |
| Current assets29/58 | €177,008 | €191,552 | €222,327 | €202,934 | €235,974 | ▲ 16.3% |
| Stocks and contracts in progress3 | €23,393 | €23,393 | €23,393 | €23,393 | €23,393 | = |
| Stocks30/36 | - | €23,393 | €23,393 | €23,393 | €23,393 | = |
| Amounts receivable within one year40/41 | €146,010 | €164,547 | €191,837 | €148,503 | €202,777 | ▲ 36.5% |
| Trade receivables40 | - | €64,547 | €91,833 | €40,049 | €100,964 | ▲ 152% |
| Other amounts receivable41 | - | €100,000 | €100,004 | €108,454 | €101,813 | ▼ 6.1% |
| Cash at bank and in hand54/58 | €7,605 | €1,011 | €7,097 | €31,038 | €9,804 | ▼ 68.4% |
| Deferred charges and accrued income490/1 | - | €2,601 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €270,712 | €405,636 | €431,796 | €1.7m | €1.7m | ▲ 1.6% |
| Equity10/15 | €100,019 | €122,669 | €184,505 | €248,319 | €300,681 | ▲ 21.1% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €46,754 | €46,754 | €46,754 | €110,568 | €162,930 | ▲ 47.4% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €44,894 | €44,894 | €110,568 | €162,930 | ▲ 47.4% |
| Profit (loss) carried forward14 | €47,065 | €69,715 | €131,550 | €131,550 | €131,550 | = |
| Amounts payable17/49 | €170,693 | €282,967 | €247,291 | €1.4m | €1.4m | ▼ 1.7% |
| Amounts payable after more than one year17 | €85,325 | €74,029 | €134,603 | €1.2m | €1.2m | ▲ 2.2% |
| Financial debts170/4 | - | €74,029 | €134,603 | €1.2m | €1.2m | ▲ 2.2% |
| Amounts payable within one year42/48 | €85,368 | €208,938 | €112,341 | €231,285 | €180,090 | ▼ 22.1% |
| Current portion of amounts payable after more than one year42 | - | €7,381 | €21,029 | €113,408 | €115,759 | ▲ 2.1% |
| Financial debts43 | - | - | €2,340 | €15,363 | €2,365 | ▼ 84.6% |
| Credit institutions430/8 | - | - | €2,340 | €15,363 | €2,365 | ▼ 84.6% |
| Trade debts44 | €40,394 | €45,071 | €48,693 | €42,562 | €41,780 | ▼ 1.8% |
| Suppliers440/4 | - | €45,071 | €48,693 | €42,562 | €41,780 | ▼ 1.8% |
| Taxes, remuneration and social security45 | - | €31,485 | €40,279 | €35,953 | €20,186 | ▼ 43.9% |
| Taxes450/3 | - | €29,235 | €38,029 | €33,703 | €17,936 | ▼ 46.8% |
| Remuneration and social security454/9 | - | €2,250 | €2,250 | €2,250 | €2,250 | = |
| Other amounts payable47/48 | - | €125,000 | - | €24,000 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €348 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,415 | €22,650 | €61,836 | €63,814 | €52,362 | ▼ 17.9% |
| + Depreciation and write-downs630 | €4,461 | €4,623 | €4,645 | €4,989 | €5,270 | ▲ 5.6% |
| Operating cash flow (approximation) | €23,877 | €27,273 | €66,481 | €68,803 | €57,632 | ▼ 16.2% |
| Investment in fixed assets (approximation) | - | -€125,003 | -€31 | -€1.3m | €0 | ▲ 100% |
| Change in cash | - | -€6,594 | €6,086 | €23,941 | -€21,234 | ▼ 189% |
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
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €63,814 ▲3.2%
Net result €63,814, the highest in the series.
31-12
Financial
Equity above €200,000Eq €248,319 ▲34.6%
6 profitable years in a row build equity to €248,319.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.98
Current ratio from 0.92 to 1.98; short-term debt falls from €208,938 to €112,341.
31-12
Financial
Equity above €150,000Eq €184,505 ▲50.4%
5 profitable years in a row build equity to €184,505.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €100,019 ▲24.1%
3 profitable years in a row build equity to €100,019.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Beveren · 1 establishment unit since 2016
Ground area
6,087 m²
Building footprint
2,542 m²
Volume, LiDAR
16,038 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHAFI
since 20162.260.063.673
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0705/00S000 | Flanders | 5,569 m² | 1 · 2,406 m² | 8.4 m · 2 fl. |
| 46016G0727/00W000 | Flanders | 518 m² | 1 · 136 m² | 0.2 m |
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.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 4
-
100%
-
66.67%
-
66.67%
-
66%
According to the 2024 annual accounts of CHAFI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,778 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
Founded24-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0666662291
Also
9925:BE0666662291
Registered
07-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.