Chaleur & Style
ActiveChaleur & Style has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €266k and a net result of €30k. Equity is growing by ~67.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 15867 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▼-44
Solvency90▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 4.09 in 2023), but 54.7% of the assets are financed with debt.
Credit advice 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
69 d late
2022
65 d late
2021
33 d early
2020
31 d late
2019
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€266k▲ 12.5%
2023 · €237k
2018: €16k
2019: €29k
2020: €37k
2021: €64k
2022: €141k
2023: €237k
2018 → 2024
Total assets
€589k▼ 5.3%
2023 · €621k
2018: €235k
2019: €222k
2020: €294k
2021: €335k
2022: €661k
2023: €621k
2018 → 2024
Net result
€30k▼ 69.0%
2023 · €95k
2018: €-388
2019: €14k
2020: €8k
2021: €73k
2022: €78k
2023: €95k
2018 → 2024
Working capital
€165k▼ 13.0%
2023 · €190k
2018: €8k
2019: €-29k
2020: €77k
2021: €70k
2022: €213k
2023: €190k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€37k-€64k▲ 72.8%€141k▲ 122%€237k▲ 67.6%€266k▲ 12.5%
Operating result€14k-€132k▲ 826%€102k▼ 23.1%€143k▲ 40.5%€50k▼ 65.1%
Net result€8k-€73k▲ 873%€78k▲ 6.1%€95k▲ 23.2%€30k▼ 69.0%
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 2024; 2024 is 65% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €589k
Fixed assets
€348k▼ 5.8%
Current assets
€240k▼ 4.5%
Equity and liabilities €589k
Equity
€266k▲ 12.5%
Debt
€322k▼ 16.2%
The debt ratio falls from 61.9% to 54.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▼
2023 · €179k
Cash flow
€69k▼
2023 · €132k
Solvency
45.3%▲
2023 · 38.1%
Current ratio
3.20▼
2023 · 4.09
Quick ratio
1.57▼
2023 · 1.70
Debt / equity
1.21▼
2023 · 1.62
ROE
11.1%▼
2023 · 40.3%
ROA
5.0%▼
2023 · 15.4%
Interest coverage
11.38▼
2023 · 22.07
Debt
€322k▼
2023 · €384k
Debt ≤ 1 year
€75k▲
2023 · €62k
Debt > 1 year
€202k▼
2023 · €230k
Income taxes
€14k▼
2023 · €41k
Staff costs
€46k▲
2023 · €30k
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€621k€589k▼
Fixed assets21/28€370k€348k▼
Tangible fixed assets22/27€370k€348k▼
Land and buildings22€288k€278k▼
Plant, machinery and equipment23€42k€33k▼
Furniture and vehicles24€39k€37k▼
Financial fixed assets28€97€0▼
Current assets29/58€252k€240k▼
Stocks and contracts in progress3€147k€123k▼
Stocks30/36€147k€123k▼
Amounts receivable within one year40/41€80k€84k▲
Trade receivables40€48k€35k▼
Other amounts receivable41€32k€49k▲
Cash at bank and in hand54/58€24k€31k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€621k€589k▼
Equity10/15€237k€266k▲
Contributions10/11€6k€6k=
Reserves13€231k€260k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€229k€258k▲
Profit (loss) carried forward14€96€119▲
Amounts payable17/49€384k€322k▼
Amounts payable after more than one year17€230k€202k▼
Financial debts170/4€230k€202k▼
Amounts payable within one year42/48€62k€75k▲
Current portion of amounts payable after more than one year42€50k€46k▼
Trade debts44€6k€23k▲
Suppliers440/4€6k€23k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€1k€2k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€395-
Accrued charges and deferred income492/3€92k€45k▼
Income statement
Code20232024
Remuneration, social security and pensions62€30k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€39k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€2k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€977€488▼
Other operating charges640/8€4k€6k▲
Gross operating margin9900€212k€143k▼
Operating profit (loss)9901€143k€50k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€136k€43k▼
Income taxes67/77€41k€14k▼
Profit (loss) for the period9904€95k€30k▼
Profit (loss) for the period to be appropriated9905€95k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€30k▼
Profit (loss) brought forward from the previous period14P€69€96▲
Transfer to equity691/2€95k€30k▼
To the legal reserve6920€95k-
To other reserves6921-€30k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €95k ▲23.2%
Operating result €143k, net result €95k, both a record.
31-12
Financial
Equity above €200kEq €237k ▲67.6%
5 profitable years in a row build equity to €237k.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Equity above €100kEq €141k ▲122%
4 profitable years in a row build equity to €141k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.22
Current ratio from 0.72 to 2.22; short-term debt falls from €106k to €63k.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mouscron · 1 establishment unit since 2014
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.
Sint-Legerstraat(D) 707711 MouscronGround area
533 m²
Building footprint
40 m²
Volume, LiDAR
729 m³
Parcel 54003R1120/00B000, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaleur & Style
since 20142.227.001.521
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003R1120/00B000 | Wallonia | 533 m² | 1 · 40 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Legal Entity Identifier
254900PJTPVVHZ0XV981
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Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 1,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2014
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47529Retail trade
47789Other retail sale of new goods
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:contact@chaleuretstyle.com
Phone:0478/97.99.05