Chaloruma
ActiveChaloruma has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-24k) and a net result of €-16k. Equity is shrinking by ~44.3% per year across the filed fiscal years. Its solvency ranks better than 10% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.15 in 2024), and equity is negative.
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
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 2025Solvency, return and age of the figures
Solvency
-13.8%
Return on assets
-9%
Age of the figures
15 mo
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€24k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
10 d late
2023
22 d late
2022
1 d late
2021
10 d late
2020
19 d late
2019
28 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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-24k▼ 189%
2024 · €-8k
2019: €32k
2020: €49k
2021: €43k
2022: €36k
2023: €13k
2024: €-8k
2019 → 2025
Total assets
€174k▼ 8.1%
2024 · €189k
2019: €237k
2020: €254k
2021: €222k
2022: €214k
2023: €197k
2024: €189k
2019 → 2025
Net result
€-16k▲ 27.6%
2024 · €-22k
2019: €6k
2020: €17k
2021: €-6k
2022: €-6k
2023: €-23k
2024: €-22k
2019 → 2025
Working capital
€-94k▼ 9.2%
2024 · €-86k
2019: €-45k
2020: €-29k
2021: €-52k
2022: €-59k
2023: €-77k
2024: €-86k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€36k▼ 15.2%€13k▼ 63.1%€-8k€-24k▼ 189%
Operating result€426-€-2k€-20k▼ 1,014%€-20k▲ 0.3%€-12k▲ 38.6%
Net result€-6k-€-6k▼ 2.4%€-23k▼ 251%€-22k▲ 5.1%€-16k▲ 27.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€162k▼ 6.7%
Current assets
€11k▼ 24.3%
Key figures and ratios
EBITDA
€400▲
2024 · €-5k
Cash flow
€-3k▲
2024 · €-6k
Solvency
-13.8%▼
2024 · -4.4%
Current ratio
0.11▼
2024 · 0.15
Quick ratio
0.11▼
2024 · 0.15
Debt / equity
-8.27▲
2024 · -23.87
ROE
65.4%▼
2024 · 261.1%
ROA
-9.0%▲
2024 · -11.4%
Interest coverage
0.27▲
2024 · -3.59
Debt
€197k▲
2024 · €197k
Debt ≤ 1 year
€105k▲
2024 · €101k
Debt > 1 year
€92k▼
2024 · €95k
Income taxes
€2k▲
2024 · €284
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€189k€174k▼
Fixed assets21/28€174k€162k▼
Tangible fixed assets22/27€174k€162k▼
Land and buildings22€102k€98k▼
Plant, machinery and equipment23€71k€64k▼
Furniture and vehicles24€934€765▼
Current assets29/58€15k€11k▼
Amounts receivable after more than one year29-€2k
Trade receivables290-€2k
Amounts receivable within one year40/41€2k€23▼
Trade receivables40€2k-
Other amounts receivable41€156€23▼
Cash at bank and in hand54/58€10k€8k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€189k€174k▼
Equity10/15€-8k€-24k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-29k€-44k▼
Amounts payable17/49€197k€197k▲
Amounts payable after more than one year17€95k€92k▼
Financial debts170/4€95k€92k▼
Amounts payable within one year42/48€101k€105k▲
Current portion of amounts payable after more than one year42€3k€3k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Advances received on contracts in progress46€5k€11k▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€81k€81k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€-11€3k▲
Operating profit (loss)9901€-20k€-12k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-21k€-14k▲
Income taxes67/77€284€2k▲
Profit (loss) for the period9904€-22k€-16k▲
Profit (loss) for the period to be appropriated9905€-22k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-44k▼
Profit (loss) brought forward from the previous period14P€-7k€-29k▼
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
Next filing, fiscal year 2026, expected by
2026
18-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment4 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment4 facts ▸
- General meeting, 2026-06-05
- Director resignation, Joris LAROY (niet-statutaire bestuurder)
- Director appointment, Mauro VANDENBRANDE (niet-statutaire bestuurder)
- Mandate compensation, Mauro VANDENBRANDE
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
30-06
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
30-06
Financial
Highest result since 2019net €17k ▲167%
Operating result €30k, net result €17k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Mauro VANDENBRANDE
CurrentNon-statutory director · since 01-07-2026
01-07-2026
Mauro VANDENBRANDE: Appointed as Non-statutory director
30-06-2026
Joris LAROY: Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2008
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.
Poperingestraat 579000 GentGround area
347 m²
Building footprint
120 m²
Volume, LiDAR
700 m³
Parcel 44810K0350/00H002, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaloruma
since 20082.170.387.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44810K0350/00H002 | Flanders | 347 m² | 1 · 120 m² | 11.2 m · 2 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 13,391 companies in sector 73300 we hold annual accounts for 6,882. 4,113 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2008
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.