Chaloma

Active

Private limited company (pre-2019)founded 200917 yrs activeMoleneindstraat 64, 9160 Lokeren, BelgiumKBO/BCE: BE 0809.043.940

Chaloma has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €11k and a net result of €5k. Equity is shrinking by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 7351 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

86 / 100

Excellent▲ +61 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+100

Solvency42▲+30

Growth58▲+26

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.15 against 0.62 in 2023), and 74.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

25.7%

Return on assets

11.6%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7351 sector peers (2024).

NBB · sector comparison

Position among 7351 sector peers

Solvency

better than 19%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

64 d late

2022

109 d late

2021

106 d late

2020

18 d late

2019

96 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€11k▲ 81.7%

2023 · €6k

2022: €15k 2023: €6k

2022 → 2024

Total assets

€41k▲ 2.5%

2023 · €40k

2022: €80k 2023: €40k

2022 → 2024

Net result

€5k

2023 · €-9k

2022: €-6k 2023: €-9k

2022 → 2024

Working capital

€5k

2023 · €-12k

2022: €-8k 2023: €-12k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€15k-€6k▼ 60.6%€11k▲ 81.7%

Operating result€-2k-€-2k▼ 23.7%€14k

Net result€-6k-€-9k▼ 38.8%€5k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €14k after a loss of €2k in 2023, the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €41k

14.8%

85.2%

Fixed assets €6k▼ 70.5%

Current assets €35k▲ 79.6%

Equity and liabilities €41k

25.7%

74.3%

Equity €11k▲ 81.7%

Debt €31k▼ 11.0%

The debt ratio falls from 85.5% to 74.3%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€29k▲

2023 · €13k

Cash flow

€19k▲

2023 · €7k

Solvency

25.7%▲

2023 · 14.5%

Current ratio

1.15▲

2023 · 0.62

Quick ratio

1.15▲

2023 · 0.62

Debt / equity

2.89▼

2023 · 5.89

ROE

45.0%▲

2023 · -154.0%

ROA

11.6%▲

2023 · -22.3%

Interest coverage

16.53▲

2023 · 6.76

Debt

€31k▼

2023 · €34k

Debt ≤ 1 year

€31k▼

2023 · €32k

Income taxes

€7k▲

2023 · €5k

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

Total assets 20/58€40k€41k▲

Fixed assets 21/28€21k€6k▼

Tangible fixed assets 22/27€21k€6k▼

Current assets 29/58€20k€35k▲

Amounts receivable within one year 40/41€19k€27k▲

Cash & bank 54/58€178€8k▲

Total equity & liabilities 10/49€40k€41k▲

Equity 10/15€6k€11k▲

Contributions / capital 10/11€12k€12k=

Reserves 13€2k€2k=

Accumulated profits (losses) 14€-8k€-4k▲

Amounts payable 17/49€34k€31k▼

Amounts payable after one year 17€3k-

Amounts payable within one year 42/48€32k€31k▼

Trade debts payable within one year 44€1k€2k▲

Income statement Code20232024

Gross operating margin 9900€15k€30k▲

Operating result 9901€-2k€14k▲

Financial income 75€2€5▲

Financial charges 65€2k€2k▼

Result before taxes 9903€-4k€12k▲

Income taxes 67/77€5k€7k▲

Net result for the period 9904€-9k€5k▲

Result to be appropriated 9905€-9k€5k▲

Timeline · acts, filings and financial milestones

All 13Financial 2Gazette 1Filings 10

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

27-03

State Gazette act Director changes

Julie Leroy

2024

31-12

Financial Back to profitnet €5k

Net result €5k after 2 loss-making years.

03-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 64 days late

2023

31-12

Financial Weakest financial yearnet €-9k

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

17-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 109 days late

2022

14-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 106 days late

2021

18-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 18 days late

2020

04-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 96 days late

09-01

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 162 days late

2018

18-10

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 79 days late

2017

26-10

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 87 days late

20-06

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 324 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

1 of 3 acts read

About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

1 director, last change in 2020

VAN dE VOORDE Katrien

Director · since 01-01-2020

Current

01-01-2020 Appointed as Director

Not every act has been read: a resignation may be missing here

2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

Registered office, Lokeren · 1 establishment unit since 2009

exact location from the address register On OpenStreetMap

Ground area

4,566 m²

Building footprint

310 m²

Volume, LiDAR

1,966 m³

Parcel 46383D1859/00D000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Chaloma bvba