Equity
€180,428 ▲ 54.8%
Equity rose in 2025 from €116,546 to €180,428.
CHAMALI
Lifetime
10 annual accounts with figures on one time axispeak €147,075 (2017)
€114,281▲ 8.9%
lowest -€25,507 (2019)
€63,882▲ 6.9%
peak €180,428 (2025)
€180,428▲ 54.8%
€242,259▼ 12.0%
Board1 name since 2016
1 directorMaximilien LEFEBVRE
Documentsfilings and deeds
20-08-202620 days late
2025abbreviated format
Equity from €116,546 to €180,428Cash from €408 to €820
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 54% of micro companies in advertising and market research (NACE 73)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025lowest value
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.8%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.3 percentage points vs 07-2025
09-2025: 1.5%▲ +0.4 percentage points vs 08-2025
10-2025: 1.5%● unchanged vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.4%▼ -0.1 percentage points vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 1.3%▼ -0.1 percentage points vs 05-2026
07-2026: 1.2%▼ -0.1 percentage points vs 06-2026
08-2026: 1.8%▲ +0.6 percentage points vs 07-2026highest value
09-2026: 0.8%▼ -1.0 percentage point vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.42, cash €820
Last filed accounts filed 20 days late; 1 of the last 3 accounts late
Figures for financial year 2025 (filed on 20-08-2026)
lowers risk
Size: total assets €422,687
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 43% of them on solvency, 23% on liquidity, 64% on profitability and 85% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as CHAMALI has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CHAMALI itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for CHAMALI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.42 (0.02 in 2024), below 1. Short-term debt is 26.7% and cash 0.2% of total assets. 57.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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 €180,428
raises risk · 2025 accounts filed 20 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
20 days late
2024
31 days late
2023
28 days late
2022
31 days late
2021
10 days late
2020
17 days late
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 9925:BE0645714053
Capital contribution of €12,400
Appointment: Maximilien LEFEBVRE (director) · “Toutes opérations de courtage notamment en assurances,financements,prêts personnels et hypothécaires,leasings…” (deed in French) · General meeting of 21-02-2024 · Gazette deed
Registered office moved from Brussels to Rixensart
New registered office: 5 Rue du Moulin à 1330 Rixensart · Previous registered office: Avenue Nouvelle 54, 1040 Bruxelles · Gazette deed
Incorporation
published on 11-01-2016 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CHAMALI Rixensart | €422,687 | €114,281 | 42.7% | - |
| SHEFEDU Leuven | €400,262 | €115,086 | 33.3% | - |
| FOREVER AFTER Kortenberg | €427,509 | €102,059 | 25.7% | - |
| BeeTeal Woluwe-Saint-Pierre | €379,989 | €118,248 | -2.1% | - |
| MONTENAPOLEONE Neufchâteau | €447,830 | €106,718 | 42.0% | - |
| DEVOOGHT CONSULTING Bruges | €431,270 | €102,331 | 40.5% | - |
| ABCommunication Tienen | €426,647 | €102,207 | 31.9% | - |
These companies have the same main activity as CHAMALI: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €380,000 and €448,000, founded between 2015 and 2016.
Official details
Source: KBO- Status
- Active since 07-01-2016Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 1 other
- Establishment unit
- 2.249.738.5191330 Rixensart, since 07-01-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 10-04-2026
Insights on CHAMALI
CHAMALI files the abbreviated format. That format states no turnover. The gross margin rose from €30,575 in 2016 to €114,281 in 2025.
The balance sheet grew most from 2017 to 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CHAMALI
- What is the company number of CHAMALI?
- The company number of CHAMALI is 0645.714.053. The VAT number is the same number with BE in front: BE 0645.714.053.
- Where is CHAMALI based?
- The registered office is at Rue du Moulin 5, 1330 Rixensart.Company details
- What does CHAMALI do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of CHAMALI?
- CHAMALI is a private limited company (BV).
- When was CHAMALI founded?
- CHAMALI was founded on 07-01-2016.
- Is CHAMALI still active?
- Yes, CHAMALI is an active enterprise in the KBO register.
- What is the turnover of CHAMALI?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €114,281 and 38 comparable companies (NACE 73). It probably lies between €160,000 and €420,000.Financials
- Is CHAMALI profitable?
- In financial year 2025, CHAMALI made a profit of €63,882.
- Where can I find the annual accounts of CHAMALI?
- CHAMALI filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHAMALI due?
- CHAMALI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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