CHALIAM
ActiveCHALIAM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €752k and a net result of €24k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency100▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.15 in 2024; short-term debt: 15.9% and cash: 0% of total assets), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
76.1%
Return on assets
2.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 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
12 d late
2024
3 d late
2023
on the day
2022
10 d late
2021
7 d late
2020
4 d late
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€752k▲ 3.3%
2024 · €728k
2019: €157k
2020: €175k
2021: €186k
2022: €198k
2023: €232k
2024: €728k
2019 → 2025
Total assets
€989k▼ 3.1%
2024 · €1.02M
2019: €720k
2020: €654k
2021: €625k
2022: €580k
2023: €570k
2024: €1.02M
2019 → 2025
Net result
€24k▼ 6.8%
2024 · €26k
2019: €48k
2020: €48k
2021: €37k
2022: €11k
2023: €35k
2024: €26k
2019 → 2025
Working capital
€-147k▼ 34.5%
2024 · €-109k
2019: €-62k
2020: €-68k
2021: €-100k
2022: €-120k
2023: €-120k
2024: €-109k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€198k▲ 5.9%€232k▲ 17.6%€728k▲ 213%€752k▲ 3.3%
Operating result€61k-€30k▼ 50.3%€61k▲ 100%€51k▼ 16.5%€44k▼ 13.9%
Net result€37k-€11k▼ 69.6%€35k▲ 213%€26k▼ 25.8%€24k▼ 6.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €989k
Fixed assets
€979k▼ 2.2%
Current assets
€10k▼ 49.0%
Equity and liabilities €989k
Equity
€752k▲ 3.3%
Debt
€237k▼ 18.9%
The debt ratio falls from 28.6% to 23.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €72k
Cash flow
€46k▼
2024 · €48k
Solvency
76.1%▲
2024 · 71.4%
Current ratio
0.06▼
2024 · 0.15
Quick ratio
0.06▼
2024 · 0.15
Debt / equity
0.31▼
2024 · 0.40
ROE
3.2%▼
2024 · 3.5%
ROA
2.4%▼
2024 · 2.5%
Interest coverage
6.71▲
2024 · 5.88
Debt
€237k▼
2024 · €292k
Debt ≤ 1 year
€157k▲
2024 · €128k
Debt > 1 year
€78k▼
2024 · €140k
Income taxes
€10k▼
2024 · €13k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.02M€989k▼
Fixed assets21/28€1.00M€979k▼
Tangible fixed assets22/27€1.00M€979k▼
Land and buildings22€1.00M€979k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€225€225=
Current assets29/58€19k€10k▼
Amounts receivable within one year40/41€16k€9k▼
Trade receivables40€16k€9k▼
Cash at bank and in hand54/58€1k€353▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€1.02M€989k▼
Equity10/15€728k€752k▲
Contributions10/11€100k€100k=
Revaluation surpluses12€470k€470k=
Reserves13€38k€38k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€120k€144k▲
Amounts payable17/49€292k€237k▼
Amounts payable after more than one year17€140k€78k▼
Financial debts170/4€140k€78k▼
Amounts payable within one year42/48€128k€157k▲
Current portion of amounts payable after more than one year42€77k€80k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€2k€51k▲
Suppliers440/4€2k€51k▲
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Other amounts payable47/48€40k€20k▼
Accrued charges and deferred income492/3€23k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k=
Other operating charges640/8€4k€4k▲
Gross operating margin9900€76k€69k▼
Operating profit (loss)9901€51k€44k▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€38k€34k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€26k€24k▼
Profit (loss) for the period to be appropriated9905€26k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€144k▲
Profit (loss) brought forward from the previous period14P€94k€120k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Equity above €500kEq €728k ▲213%
6 profitable years in a row build equity to €728k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €200kEq €232k ▲17.6%
5 profitable years in a row build equity to €232k.
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
30-06
Financial
Weakest financial yearnet €11k ▼69.6%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 26 days late
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 1 establishment unit since 2017
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.
Drukpersstraat 41000 BrusselGround area
100 m²
Building footprint
99 m²
Volume, LiDAR
2,129 m³
Parcel 21803C0244/00A002, Brussels · tallest building 23.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Drukpersstraat 4, 1000 Brussel
since 20172.262.614.872
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21803C0244/00A002 | Brussels | 100 m² | 1 · 99 m² | 23.6 m · 8 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded31-07-2007
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
92340
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.