CHAMALI
ActiveSummary
CHAMALI has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €64k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 49% of 1648 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88=
Solvency68▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.02 in 2024; short-term debt: 26.7% and cash: 0.2% of total assets), and 57.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
42.7%
Return on assets
15.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €180k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
31 d late
2023
28 d late
2022
31 d late
2021
10 d late
2020
17 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€64k▲ 6.9%
2024 · €60k
Working capital
€-66k▲ 49.1%
2024 · €-129k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€84k▲ 69.2%€57k▼ 32.9%€83k▲ 47.1%€90k▲ 7.7%€96k▲ 7.1%
Net result€-18k▼ 225%€47k€50k▲ 6.8%€60k▲ 19.7%€64k▲ 6.9%
Equity€-15k€32k€82k▲ 158%€117k▲ 42.8%€180k▲ 54.8%
Total assets€445k▲ 87.9%€463k▲ 4.0%€385k▼ 16.8%€392k▲ 1.8%€423k▲ 7.8%
Debt€460k▲ 96.4%€431k▼ 6.3%€304k▼ 29.6%€275k▼ 9.3%€242k▼ 12.0%
Working capital€-162k▼ 140%€-138k▲ 14.7%€-118k▲ 15.0%€-129k▼ 9.8%€-66k▲ 49.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€376k ▼ 3.6%
Current assets
€47k ▲ 1,855%
Equity and liabilities €423k
Equity
€180k ▲ 54.8%
Debt
€242k ▼ 12.0%
Debt's share of the balance-sheet total falls from 70.3% to 57.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▲
2024 · €103k
Cash flow
€81k▲
2024 · €73k
Current ratio
0.42▲
2024 · 0.02
Debt to equity
1.34▼
2024 · 2.36
ROE
35.4%▼
2024 · 51.3%
ROA
15.1%▼
2024 · 15.3%
Interest coverage
15.58▼
2024 · 22.81
Debt ≤ 1 year
€113k▼
2024 · €132k
Debt > 1 year
€129k▼
2024 · €144k
Income taxes
€26k▲
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €16k | €10k | €13k | €17k | ▲ 31.4% |
| Other operating charges640/8 | €674 | €2k | €750 | €2k | €943 | ▼ 54.5% |
| Gross operating margin9900 | €101k | €74k | €94k | €105k | €114k | ▲ 8.9% |
| Operating profit (loss)9901 | €84k | €57k | €83k | €90k | €96k | ▲ 7.1% |
| Financial income75/76B | €3 | - | €3 | - | €1k | - |
| Recurring financial income75 | €3 | - | €3 | - | €1k | - |
| Financial charges65/66B | €102k | €7k | €15k | €5k | €7k | ▲ 61.3% |
| Recurring financial charges65 | €102k | €7k | €15k | €5k | €7k | ▲ 61.3% |
| Profit (loss) for the period before taxes9903 | €-17k | €50k | €69k | €85k | €90k | ▲ 5.6% |
| Income taxes67/77 | €211 | €3k | €19k | €26k | €26k | ▲ 2.8% |
| Profit (loss) for the period9904 | €-18k | €47k | €50k | €60k | €64k | ▲ 6.9% |
| Profit (loss) for the period to be appropriated9905 | €-18k | €47k | €50k | €60k | €64k | ▲ 6.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €445k | €463k | €385k | €392k | €423k | ▲ 7.8% |
| Fixed assets21/28 | €404k | €460k | €382k | €390k | €376k | ▼ 3.6% |
| Tangible fixed assets22/27 | €204k | €188k | €178k | €185k | €171k | ▼ 7.6% |
| Land and buildings22 | €197k | €187k | €177k | €168k | €158k | ▼ 5.8% |
| Plant, machinery and equipment23 | €2k | €1k | €778 | €389 | - | - |
| Furniture and vehicles24 | €5k | - | - | €17k | €13k | ▼ 22.8% |
| Financial fixed assets28 | €200k | €271k | €204k | €204k | €204k | = |
| Current assets29/58 | €41k | €3k | €3k | €2k | €47k | ▲ 1,855% |
| Amounts receivable within one year40/41 | €25k | - | €10 | - | €44k | - |
| Trade receivables40 | €25k | - | - | - | - | - |
| Other amounts receivable41 | - | - | €10 | - | €44k | - |
| Cash at bank and in hand54/58 | €14k | €838 | €2k | €408 | €820 | ▲ 101% |
| Deferred charges and accrued income490/1 | €2k | €3k | €638 | €2k | €2k | ▲ 14.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €445k | €463k | €385k | €392k | €423k | ▲ 7.8% |
| Equity10/15 | €-15k | €32k | €82k | €117k | €180k | ▲ 54.8% |
| Contributions10/11 | €6k | €6k | €6k | €19k | €19k | = |
| Reserves13 | €39k | €39k | €75k | €98k | €162k | ▲ 65.2% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €37k | €37k | €75k | €98k | €162k | ▲ 65.2% |
| Profit (loss) carried forward14 | €-60k | €-14k | - | - | - | - |
| Amounts payable17/49 | €460k | €431k | €304k | €275k | €242k | ▼ 12.0% |
| Amounts payable after more than one year17 | €256k | €289k | €182k | €144k | €129k | ▼ 10.1% |
| Financial debts170/4 | €256k | €289k | €182k | €144k | €129k | ▼ 10.1% |
| Amounts payable within one year42/48 | €203k | €142k | €120k | €132k | €113k | ▼ 14.1% |
| Current portion of amounts payable after more than one year42 | €43k | €37k | €44k | €45k | €24k | ▼ 45.6% |
| Trade debts44 | - | €722 | €2k | €4k | €18k | ▲ 407% |
| Suppliers440/4 | - | €722 | €2k | €4k | €18k | ▲ 407% |
| Taxes, remuneration and social security45 | €19k | €14k | €35k | €67k | €70k | ▲ 4.5% |
| Taxes450/3 | €19k | €14k | €35k | €67k | €70k | ▲ 4.5% |
| Remuneration and social security454/9 | - | - | €893 | - | - | - |
| Other amounts payable47/48 | €141k | €90k | €39k | €16k | - | - |
| Accrued charges and deferred income492/3 | €899 | - | €1k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-18k | €47k | €50k | €60k | €64k | ▲ 6.9% |
| + Depreciation and write-downs630 | €16k | €16k | €10k | €13k | €17k | ▲ 31.4% |
| Operating cash flow (approximation) | €-2k | €63k | €60k | €73k | €81k | ▲ 11.2% |
| Investment in fixed assets (approximation) | - | €-71k | €67k | €-20k | €-3k | ▲ 84.8% |
| Change in cash | - | €-13k | €1k | €-2k | €412 | ▲ 123% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €64k ▲6.9%
Operating result €96k, net result €64k, both a record.
31-12
Financial
Equity above €150kEq €180k ▲54.8%
4 profitable years in a row build equity to €180k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Equity above €100kEq €117k ▲42.8%
3 profitable years in a row build equity to €117k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Back to profitnet €47k
Net result €47k after 4 loss-making years.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
Show earlier events
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Rixensart · 1 establishment unit since 2016
Ground area
4,616 m²
Building footprint
181 m²
Volume, LiDAR
1,546 m³
Parcel 25091D0584/00E000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHAMALI
since 20162.249.738.519
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091D0584/00E000 | Wallonia | 4,615 m² | 1 · 181 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
5493008O1H3PB6CRVF89
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,896. 5,358 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-01-2016
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.