CHAIRPOINT
ActiveCHAIRPOINT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €62k and a net result of €-16k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability30▼-46
Solvency35▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.97 in 2023; short-term debt: 10.3% and cash: 7.8% of total assets), but 90.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.7%
Return on assets
-2.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-07-2025, 23 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
34 d early
2022
14 d early
2021
17 d early
2020
45 d early
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€62k▼ 20.8%
2023 · €78k
2018: €22k
2019: €23k
2020: €60k
2021: €27k
2022: €37k
2023: €78k
2018 → 2024
Total assets
€639k▼ 4.7%
2023 · €671k
2018: €82k
2019: €100k
2020: €117k
2021: €646k
2022: €647k
2023: €671k
2018 → 2024
Net result
€-16k
2023 · €41k
2018: €275
2019: €1k
2020: €37k
2021: €-33k
2022: €10k
2023: €41k
2018 → 2024
Working capital
€48k▼ 27.2%
2023 · €65k
2018: €-2k
2019: €-2k
2020: €35k
2021: €14k
2022: €25k
2023: €65k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€60k-€27k▼ 55.7%€37k▲ 39.4%€78k▲ 112%€62k▼ 20.8%
Operating result€48k-€-31k€17k€52k▲ 200%€-8k
Net result€37k-€-33k€10k€41k▲ 297%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €8k after €52k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €639k
Fixed assets
€526k▼ 2.3%
Current assets
€113k▼ 14.8%
Equity and liabilities €639k
Equity
€62k▼ 20.8%
Debt
€577k▼ 2.6%
The debt ratio rises from 88.3% to 90.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▼
2023 · €80k
Cash flow
€9k▼
2023 · €69k
Solvency
9.7%▼
2023 · 11.7%
Current ratio
1.72▼
2023 · 1.97
Quick ratio
1.16▼
2023 · 1.41
Debt / equity
9.28▲
2023 · 7.55
ROE
-26.2%▼
2023 · 52.8%
ROA
-2.5%▼
2023 · 6.2%
Interest coverage
1.69▼
2023 · 7.62
Debt
€577k▼
2023 · €592k
Debt ≤ 1 year
€66k▼
2023 · €67k
Debt > 1 year
€509k▼
2023 · €524k
Income taxes
€124▼
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€671k€639k▼
Fixed assets21/28€538k€526k▼
Tangible fixed assets22/27€538k€526k▼
Land and buildings22€532k€524k▼
Plant, machinery and equipment23€4k€657▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€25€275▲
Current assets29/58€133k€113k▼
Stocks and contracts in progress3€38k€37k▼
Stocks30/36€38k€37k▼
Amounts receivable within one year40/41€11k€19k▲
Trade receivables40€3k€5k▲
Other amounts receivable41€8k€13k▲
Cash at bank and in hand54/58€74k€50k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€671k€639k▼
Equity10/15€78k€62k▼
Contributions10/11€19k€19k=
Reserves13€239€239=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€239€239=
Profit (loss) carried forward14€60k€43k▼
Amounts payable17/49€592k€577k▼
Amounts payable after more than one year17€524k€509k▼
Financial debts170/4€524k€509k▼
Amounts payable within one year42/48€67k€66k▼
Current portion of amounts payable after more than one year42€22k€24k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Advances received on contracts in progress46€15k€24k▲
Taxes, remuneration and social security45€27k€11k▼
Taxes450/3€27k€11k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€460€3k▲
Accrued charges and deferred income492/3€738€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€25k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€82k€20k▼
Operating profit (loss)9901€52k€-8k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€43k€-16k▼
Income taxes67/77€2k€124▼
Profit (loss) for the period9904€41k€-16k▼
Profit (loss) for the period to be appropriated9905€41k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€43k▼
Profit (loss) brought forward from the previous period14P€18k€60k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €41k ▲297%
Operating result €52k, net result €41k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-33k ▼191%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Merchtem · 1 establishment unit since 2015
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.
Brusselsesteenweg 333/A1785 MerchtemGround area
1,387 m²
Building footprint
259 m²
Volume, LiDAR
924 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHAIRPOINT
since 20152.243.772.029
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012H0254/00X000 | Flanders | 736 m² | 1 · 145 m² | 8.2 m · 2 fl. |
| 23012H0255/00F002 | Flanders | 650 m² | 1 · 114 m² | 0.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2015
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
46150Agents in the wholesale of furniture, household goods and hardware
46471Wholesale trade
46474Wholesale trade
47552Retail sale of lighting equipment
47559Retail sale of other household articles
47592Retail trade
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.