CHALVA

Active

Private limited companyfounded 20206 yrs activeLangestraat 139, 8620 Nieuwpoort, BelgiumKBO/BCE: BE 0745.967.216

The computed 12-month bankruptcy probability of CHALVA is 4.1% (elevated). The 2025 annual accounts show equity of €13k and a net result of €-13k. Equity is shrinking by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 13009 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

45 / 100

Fair▲ +18 vs 2024

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

Axes · tick = 2024

Profitability0=

Solvency22▼-6

Growth32=

Stability100

Bankruptcy probability, 12 months

4.1% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.28 against 1.34 in 2024), and 92.4% 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

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

+raises risk○neutral

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

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 2025

Solvency, return and age of the figures

Solvency

7.6%

Return on assets

-7.8%

Age of the figures

11 mo

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

2122232425

2021 to 2025 · latest year -€13k

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-06-2026, 33 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 · 5 filings

Deviation from the deadline

2025

33 d late

2024

16 d late

2023

386 d late

2022

5 d late

2021

89 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

12-09-2026 today30-09-2026 close30-04-2027 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 2025, micro schema

Equity

€13k▼ 50.6%

2024 · €26k

2021: €32k 2022: €23k 2023: €32k 2024: €26k

2021 → 2025

Total assets

€170k▼ 6.6%

2024 · €182k

2021: €179k 2022: €99k 2023: €112k 2024: €182k

2021 → 2025

Net result

€-13k▼ 110%

2024 · €-6k

2021: €27k 2022: €-8k 2023: €14k 2024: €-6k

2021 → 2025

Working capital

€33k▼ 22.7%

2024 · €43k

2021: €25k 2022: €4k 2023: €26k 2024: €43k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€32k-€23k▼ 26.4%€32k▲ 38.6%€26k▼ 19.5%€13k▼ 50.6%

Operating result€27k-€-7k€20k€-274€41k

Net result€27k-€-8k€14k€-6k€-13k▼ 110%

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 2025: €41k after a loss of €274 in 2024, the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €170k

12.6%

87.4%

Fixed assets €21k▲ 52.3%

Current assets €149k▼ 11.5%

Equity and liabilities €170k

92.4%

Equity €13k▼ 50.6%

Debt €158k▲ 0.8%

The debt ratio rises from 85.7% to 92.4%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€46k▲

2024 · €6k

Cash flow

€-8k▼

2024 · €52

Solvency

7.6%▼

2024 · 14.3%

Current ratio

1.28▼

2024 · 1.34

Quick ratio

1.26▼

2024 · 1.32

Debt / equity

12.24▲

2024 · 5.99

ROE

-102.6%▼

2024 · -24.2%

ROA

-7.8%▼

2024 · -3.5%

Interest coverage

4.39▲

2024 · 1.06

Debt

€158k▲

2024 · €156k

Debt ≤ 1 year

€116k▼

2024 · €126k

Debt > 1 year

€0▼

2024 · €8k

Income taxes

€43k▲

2024 · €304

Staff costs

€1k▼

2024 · €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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€182k€170k▼

Fixed assets21/28€14k€21k▲

Tangible fixed assets22/27€14k€19k▲

Plant, machinery and equipment23€7k€15k▲

Furniture and vehicles24€7k€4k▼

Financial fixed assets28-€2k

Current assets29/58€168k€149k▼

Stocks and contracts in progress3€2k€3k▲

Stocks30/36€2k€3k▲

Amounts receivable within one year40/41€134k€123k▼

Trade receivables40€69k€37k▼

Other amounts receivable41€64k€86k▲

Cash at bank and in hand54/58€32k€23k▼

Equity and liabilities

Total equity and liabilities10/49€182k€170k▼

Equity10/15€26k€13k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€21k€8k▼

Amounts payable17/49€156k€158k▲

Amounts payable after more than one year17€8k€0▼

Financial debts170/4€8k€0▼

Amounts payable within one year42/48€126k€116k▼

Current portion of amounts payable after more than one year42€12k€8k▼

Trade debts44€108k€81k▼

Suppliers440/4€108k€81k▼

Taxes, remuneration and social security45€6k€27k▲

Taxes450/3€6k€27k▲

Accrued charges and deferred income492/3€22k€42k▲

Income statement Code20242025

Remuneration, social security and pensions62€5k€1k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼

Other operating charges640/8€2k€8k▲

Gross operating margin9900€13k€55k▲

Operating profit (loss)9901€-274€41k▲

Financial income75/76B€2€0▼

Recurring financial income75€2€0▼

Financial charges65/66B€6k€11k▲

Recurring financial charges65€6k€11k▲

Profit (loss) for the period before taxes9903€-6k€30k▲

Income taxes67/77€304€43k▲

Profit (loss) for the period9904€-6k€-13k▼

Profit (loss) for the period to be appropriated9905€-6k€-13k▼

Appropriation of the result

Profit (loss) to be appropriated9906€21k€8k▼

Profit (loss) brought forward from the previous period14P€27k€21k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 30-04-2027

2026

02-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 33 days late

2025

30-09

Financial Weakest financial yearnet €-13k

Net result drops to €-13k, the lowest in the series.

21-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 386 days late

16-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 16 days late

2023

30-09

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

05-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 5 days late

2022

28-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 89 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, Nieuwpoort · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Langestraat 1398620 Nieuwpoort

Ground area

449 m²

Building footprint

173 m²

Volume, LiDAR

1,491 m³

Parcel 38016B0312/00D000, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

DE NOTENBOOM

Langestraat 139, 8620 NieuwpoortFull-service restaurants

since 20202.301.402.697

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38016B0312/00D000	Flanders	449 m²	1 · 173 m²	15.3 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.

Similar companies · same sector, comparable size

Grez-Doiceau · Eq €13k

PACLA

BE 0891.486.715

Vorselaar · Eq €13k

Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 7,673 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-04-2020

Fiscal year end30-09

Activities, NACEBEL

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

55204Guest rooms (bed and breakfast)

55209Other holiday and short-stay accommodation

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.