CHAI GOURMAND
ActiveSummary
CHAI GOURMAND has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €12k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 35% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+15
Solvency38▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.19 in 2024; short-term debt: 27.7% and cash: 0.2% of total assets), and 87% of the assets are financed with debt.
Credit check for your own amount and term
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
13%
Return on assets
1.5%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
28 d late
2023
27 d late
2022
2 d late
2021
19 d late
2020
31 d early
2019
14 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k
2024 · €-17k
2018: €-12k
2019: €-10k▲ +15.9% vs 2018
2020: €41k▲ +516% vs 2019
2021: €57k▲ +40.3% vs 2020highest in 8 years
2022: €9k▼ -83.7% vs 2021
2023: €-31k▼ -433% vs 2022lowest in 8 years
2024: €-17k▲ +44.5% vs 2023
2025: €12k▲ +172% vs 2024
2018 → 2025
Working capital
€-179k▲ 3.9%
2024 · €-186k
2018: €8khighest in 8 years
2019: €-123k▼ -1657% vs 2018
2020: €-63k▲ +48.6% vs 2019
2021: €-90k▼ -42.8% vs 2020
2022: €-161k▼ -77.9% vs 2021
2023: €-168k▼ -4.5% vs 2022
2024: €-186k▼ -11.1% vs 2023lowest in 8 years
2025: €-179k▲ +3.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k-€144k▲ 6.8%€114k▼ 21.3%€97k▼ 15.0%€109k▲ 12.7%
2021: €135k
2022: €144k▲ +6.8% vs 2021highest in 5 years
2023: €114k▼ -21.3% vs 2022
2024: €97k▼ -15.0% vs 2023lowest in 5 years
2025: €109k▲ +12.7% vs 2024
Operating result€76k-€30k▼ 60.7%€-11k€5k€36k▲ 642%
2021: €76khighest in 5 years
2022: €30k▼ -60.7% vs 2021
2023: €-11k▼ -137% vs 2022lowest in 5 years
2024: €5k▲ +144% vs 2023
2025: €36k▲ +642% vs 2024
Net result€57k-€9k▼ 83.7%€-31k€-17k▲ 44.5%€12k
2021: €57khighest in 5 years
2022: €9k▼ -83.7% vs 2021
2023: €-31k▼ -433% vs 2022lowest in 5 years
2024: €-17k▲ +44.5% vs 2023
2025: €12k▲ +172% vs 2024
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 642% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €836k
Fixed assets
€783k ▼ 5.7%
Current assets
€52k ▲ 20.1%
Equity and liabilities €836k
Equity
€109k ▲ 12.7%
Debt
€727k ▼ 6.6%
Debt's share of the balance-sheet total falls from 89.0% to 87.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €63k
Cash flow
€68k▲
2024 · €41k
Current ratio
0.23▲
2024 · 0.19
Quick ratio
0.06▲
2024 · 0.02
Debt to equity
6.68▼
2024 · 8.06
ROE
11.3%▲
2024 · -17.7%
ROA
1.5%▲
2024 · -2.0%
Interest coverage
3.89▲
2024 · 2.64
Debt ≤ 1 year
€231k▲
2024 · €230k
Debt > 1 year
€496k▼
2024 · €548k
Staff costs
€288k▼
2024 · €335k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€875k€836k▼
Fixed assets21/28€831k€783k▼
Tangible fixed assets22/27€831k€783k▼
Land and buildings22€786k€748k▼
Plant, machinery and equipment23€35k€25k▼
Furniture and vehicles24€10k€11k▲
Current assets29/58€44k€52k▲
Stocks and contracts in progress3€39k€37k▼
Stocks30/36€39k€37k▼
Amounts receivable within one year40/41€487€8k▲
Trade receivables40€450€8k▲
Other amounts receivable41€37€95▲
Cash at bank and in hand54/58-€2k
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€875k€836k▼
Equity10/15€97k€109k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€76k€88k▲
Amounts payable17/49€778k€727k▼
Amounts payable after more than one year17€548k€496k▼
Financial debts170/4€548k€496k▼
Amounts payable within one year42/48€230k€231k▲
Current portion of amounts payable after more than one year42€63k€65k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€56k€48k▼
Suppliers440/4€56k€48k▼
Advances received on contracts in progress46€2k€5k▲
Taxes, remuneration and social security45€40k€43k▲
Taxes450/3€18k€18k▲
Remuneration and social security454/9€23k€25k▲
Other amounts payable47/48€65k€71k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€11k▲
Remuneration, social security and pensions62€335k€288k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€56k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€405k€386k▼
Operating profit (loss)9901€5k€36k▲
Financial income75/76B€2k€77▼
Recurring financial income75€2k€77▼
Financial charges65/66B€24k€23k▼
Recurring financial charges65€24k€23k▼
Profit (loss) for the period before taxes9903€-17k€12k▲
Profit (loss) for the period9904€-17k€12k▲
Profit (loss) for the period to be appropriated9905€-17k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€88k▲
Profit (loss) brought forward from the previous period14P€93k€76k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1k | €11k | ▲ 684% |
| Remuneration, social security and pensions62 | €181k | €237k | €276k | €335k | €288k | ▼ 14.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €51k | €62k | €58k | €56k | ▼ 4.3% |
| Other operating charges640/8 | €5k | €5k | €6k | €7k | €7k | ▲ 2.4% |
| Gross operating margin9900 | €303k | €324k | €334k | €405k | €386k | ▼ 4.6% |
| Operating profit (loss)9901 | €76k | €30k | €-11k | €5k | €36k | ▲ 642% |
| Financial income75/76B | €7 | €36 | €4k | €2k | €77 | ▼ 96.1% |
| Recurring financial income75 | €7 | €36 | €4k | €2k | €77 | ▼ 96.1% |
| Financial charges65/66B | €19k | €20k | €23k | €24k | €23k | ▼ 1.6% |
| Recurring financial charges65 | €19k | €20k | €23k | €24k | €23k | ▼ 1.6% |
| Profit (loss) for the period before taxes9903 | €57k | €9k | €-31k | €-17k | €12k | ▲ 172% |
| Profit (loss) for the period9904 | €57k | €9k | €-31k | €-17k | €12k | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | €57k | €9k | €-31k | €-17k | €12k | ▲ 172% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.03M | €1.00M | €949k | €875k | €836k | ▼ 4.4% |
| Formation expenses20 | - | - | €1k | - | - | - |
| Fixed assets21/28 | €902k | €933k | €880k | €831k | €783k | ▼ 5.7% |
| Tangible fixed assets22/27 | €902k | €933k | €880k | €831k | €783k | ▼ 5.7% |
| Land and buildings22 | €821k | €855k | €823k | €786k | €748k | ▼ 4.8% |
| Plant, machinery and equipment23 | €52k | €60k | €46k | €35k | €25k | ▼ 30.1% |
| Furniture and vehicles24 | €30k | €18k | €11k | €10k | €11k | ▲ 6.9% |
| Current assets29/58 | €127k | €72k | €68k | €44k | €52k | ▲ 20.1% |
| Stocks and contracts in progress3 | €22k | €29k | €34k | €39k | €37k | ▼ 3.9% |
| Stocks30/36 | €22k | €29k | €34k | €39k | €37k | ▼ 3.9% |
| Amounts receivable within one year40/41 | €2k | €8k | €20k | €487 | €8k | ▲ 1,559% |
| Trade receivables40 | €2k | €8k | €20k | €450 | €8k | ▲ 1,674% |
| Other amounts receivable41 | €204 | €89 | €1 | €37 | €95 | ▲ 157% |
| Cash at bank and in hand54/58 | €103k | €35k | €8k | - | €2k | - |
| Deferred charges and accrued income490/1 | - | - | €5k | €4k | €5k | ▲ 27.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.03M | €1.00M | €949k | €875k | €836k | ▼ 4.4% |
| Equity10/15 | €135k | €144k | €114k | €97k | €109k | ▲ 12.7% |
| Contributions10/11 | €19k | €19k | €20k | €20k | €20k | = |
| Reserves13 | €2k | €2k | - | - | - | - |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Profit (loss) carried forward14 | €115k | €124k | €93k | €76k | €88k | ▲ 16.1% |
| Amounts payable17/49 | €894k | €860k | €836k | €778k | €727k | ▼ 6.6% |
| Amounts payable after more than one year17 | €677k | €628k | €600k | €548k | €496k | ▼ 9.6% |
| Financial debts170/4 | €677k | €628k | €600k | €548k | €496k | ▼ 9.6% |
| Amounts payable within one year42/48 | €217k | €233k | €235k | €230k | €231k | ▲ 0.6% |
| Current portion of amounts payable after more than one year42 | €48k | €49k | €61k | €63k | €65k | ▲ 2.9% |
| Financial debts43 | - | - | - | €5k | - | - |
| Credit institutions430/8 | - | - | - | €5k | - | - |
| Trade debts44 | €87k | €89k | €70k | €56k | €48k | ▼ 13.7% |
| Suppliers440/4 | €87k | €89k | €70k | €56k | €48k | ▼ 13.7% |
| Advances received on contracts in progress46 | - | - | €2k | €2k | €5k | ▲ 233% |
| Taxes, remuneration and social security45 | €10k | €24k | €32k | €40k | €43k | ▲ 5.6% |
| Taxes450/3 | €10k | €8k | €13k | €18k | €18k | ▲ 1.1% |
| Remuneration and social security454/9 | - | €17k | €20k | €23k | €25k | ▲ 9.2% |
| Other amounts payable47/48 | €72k | €71k | €70k | €65k | €71k | ▲ 9.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €57k | €9k | €-31k | €-17k | €12k | ▲ 172% |
| + Depreciation and write-downs630 | €42k | €51k | €62k | €58k | €56k | ▼ 4.3% |
| Operating cash flow (approximation) | €99k | €61k | €31k | €41k | €68k | ▲ 65.4% |
| Investment in fixed assets (approximation) | - | €-82k | €-10k | €-9k | €-8k | ▲ 9.1% |
| Change in cash | - | €-68k | €-27k | - | - | - |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €109k ▲12.7%
Equity rises from €97k to €109k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Highest result since 2018net €57k ▲40.3%
Operating result €76k, net result €57k, both a record.
31-12
Financial
Equity above €100kEq €135k ▲72.6%
2 profitable years in a row build equity to €135k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
Show earlier events
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Gembloux · 1 establishment unit since 2008
Ground area
6,640 m²
Building footprint
126 m²
Parcel 92011C0268/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CHAI GOURMAND
since 20082.168.928.512
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92011C0268/00T000 | Wallonia | 6,640 m² | 1 · 126 m² | - |
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 siteGembloux2.168.928.512
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,477 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
Founded14-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
47252Retail sale of beverages, general range
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.