Equity
-€1.1m
Debts exceed assets in financial year 2025.
CHAGRITOÏT
Lifetime
18 annual accounts with figures on one time axispeak €102,752 (2022)
€84,792▲ 2.9%
lowest -€167,657 (2014)
-€6,782▼ €2,670
peak €404,043 (2008)
-€1.1m▼ €6,782
€1.7m▼ 0.7%
Board2 names since 2021
2 directorsDANDOY Nathalie and 1 other
Documentsfilings and deeds
01-06-202660 days before the deadline
2025micro format
Loss of €6,782Cash from €37,540 to €11,509
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 21% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.3%▲ +0.1 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.2%▼ -0.1 percentage points vs 05-2025lowest value
07-2025: 0.2%● unchanged vs 06-2025lowest value
08-2025: 0.2%● unchanged vs 07-2025lowest value
09-2025: 0.2%● unchanged vs 08-2025lowest value
10-2025: 0.2%● unchanged vs 09-2025lowest value
11-2025: 0.2%● unchanged vs 10-2025lowest value
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.2%▼ -0.1 percentage points vs 03-2026
05-2026: 0.3%▲ +0.1 percentage points vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026highest value
08-2026: 0.3%● unchanged vs 07-2026highest value
09-2026: 0.3%● unchanged vs 08-2026highest value
10-2026: 0.3%● unchanged vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€1.1m
Liquidity: current ratio 0.01, cash €11,509, halved
Founded in 2007
lowers risk
Size: total assets €566,259
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 6% on liquidity, 31% on profitability and 43% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,216 companies had the same profile as CHAGRITOÏT has now. Each dot stands for 4 companies, two years later.
95.7%
were still trading
2.6%
stopped another way
1.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CHAGRITOÏT itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,216 companies, not a prediction for CHAGRITOÏT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.03 in 2024), below 1. Short-term debt is 256.9% and cash 2% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€1.1m
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 days early
2024
70 days early
2023
149 days early
2022
82 days early
2021
27 days early
2020
25 days late
2019
84 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 64 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 May (4 of the last 5 accounts filed within 43 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Changes of role: DEBRAY Charles-Albert (director) and DANDOY Nathalie (director)
General meeting of 05-05-2023 · Gazette deed
First establishment
Rue du Surtry, St-Denis 8, La Bruyère
Incorporation
published on 04-07-2007 · Gazette deed
Official details
Source: KBO- Status
- Active since 25-06-2007Normal situation
- Activity
- “Acquérir,vendre,faire construire,rénover,prendre en location,donner en location tous biens immobiliers,tant en Belgique qu'à l'étranger,ainsi que…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.194.233.4365081 La Bruyère, since 22-12-2010
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- ≈ €260,000estimated
- €566,259▼ 3.1%
- Filing
- Filed on 01-06-2026, 60 days before the end of the filing period
Insights on CHAGRITOÏT
CHAGRITOÏT files the micro format. That format states no turnover. The gross margin rose from €28,828 in 2008 to €84,792 in 2025.
The balance sheet grew most from 2011 to 2013 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CHAGRITOÏT
- What is the company number of CHAGRITOÏT?
- The company number of CHAGRITOÏT is 0890.294.902. The VAT number is the same number with BE in front: BE 0890.294.902.
- Where is CHAGRITOÏT based?
- The registered office is at Rue du Surtry, St-Denis 8, 5081 La Bruyère.Company details
- What is the legal form of CHAGRITOÏT?
- CHAGRITOÏT is a private limited company (BV).
- When was CHAGRITOÏT founded?
- CHAGRITOÏT was founded on 25-06-2007.
- Is CHAGRITOÏT still active?
- Yes, CHAGRITOÏT is an active enterprise in the KBO register.
- What is the turnover of CHAGRITOÏT?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €84,792 and 2,667 comparable companies of the same size. It probably lies between €170,000 and €440,000. It is a rough estimate.Financials
- Is CHAGRITOÏT profitable?
- In financial year 2025, CHAGRITOÏT made a loss of €6,782.
- Where can I find the annual accounts of CHAGRITOÏT?
- CHAGRITOÏT filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHAGRITOÏT due?
- CHAGRITOÏT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.