CHAMANO
ActiveSummary
CHAMANO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €416,119 and a net result of €23,186. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-31
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity short (current ratio 0.88 against 1.35 in 2024; short-term debt: 7.4% and cash: 6% of total assets), and 7.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
92.6%
Return on assets
5.2%
Age of the figures
9 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
112 d early
2023
6 d early
2022
6 d early
2021
7 d early
2020
44 d late
2019
20 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 25 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€416,119▼ 6.2%
2024 · €443,766
Total assets
€449,256▼ 12.2%
2024 · €511,688
Net result
€23,186▼ 74.0%
2024 · €89,085
Working capital
-€3,881
2024 · €23,766
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€983▲ 3.7%-€1,129▼ 14.8%-€5,054▼ 348%€37,903-€41,350
Net result€53,288within the sector's middle half▲ 2.0%€53,058within the sector's middle half▼ 0.4%€109,253above the sector's middle half▲ 106%€89,085above the sector's middle half▼ 18.5%€23,186within the sector's middle half▼ 74.0%
Equity€284,829above the sector's middle half▲ 22.5%€337,087above the sector's middle half▲ 18.3%€400,540above the sector's middle half▲ 18.8%€443,766above the sector's middle half▲ 10.8%€416,119above the sector's middle half▼ 6.2%
Total assets€420,778within the sector's middle half▼ 5.6%€420,357within the sector's middle half▼ 0.1%€467,191within the sector's middle half▲ 11.1%€511,688above the sector's middle half▲ 9.5%€449,256within the sector's middle half▼ 12.2%
Debt€135,949▼ 36.3%€83,270▼ 38.7%€66,651▼ 20.0%€67,922▲ 1.9%€33,137▼ 51.2%
Working capital-€135,171below the sector's middle half▲ 27.9%-€82,913below the sector's middle half▲ 38.7%-€19,460below the sector's middle half▲ 76.5%€23,766within the sector's middle half-€3,881below the sector's middle half
Solvency67.7%within the sector's middle half▲ 15.5pp80.2%above the sector's middle half▲ 12.5pp85.7%above the sector's middle half▲ 5.5pp86.7%above the sector's middle half▲ 1.0pp92.6%above the sector's middle half▲ 5.9pp
Current ratio0.01below the sector's middle half▼ 0.120.00below the sector's middle half=0.71below the sector's middle half▲ 0.701.35within the sector's middle half▲ 0.640.88below the sector's middle half▼ 0.47
Return on assets (ROA)12.7%within the sector's middle half▲ 0.9pp12.6%within the sector's middle half=23.4%within the sector's middle half▲ 10.8pp17.4%within the sector's middle half▼ 6.0pp5.2%within the sector's middle half▼ 12.2pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €41,350 after €37,903 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €449,256
Fixed assets
€420,000 =
Current assets
€29,256 ▼ 68.1%
Equity and liabilities €449,256
Equity
€416,119 ▼ 6.2%
Debt
€33,137 ▼ 51.2%
Debt's share of the balance-sheet total falls from 13.3% to 7.4%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.08▼
2024 · 0.15
ROE
5.6%▼
2024 · 20.1%
Debt ≤ 1 year
€33,137▼
2024 · €67,922
Income taxes
€5,265▼
2024 · €8,900
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €348 | €434 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | -€636 | -€781 | -€4,619 | €38,291 | -€40,951 | ▼ 207% |
| Operating profit (loss)9901 | -€983 | -€1,129 | -€5,054 | €37,903 | -€41,350 | ▼ 209% |
| Financial income75/76B | €60,000 | €60,000 | €125,512 | €60,407 | €70,081 | ▲ 16.0% |
| Recurring financial income75 | €60,000 | €60,000 | €125,512 | €60,407 | €70,081 | ▲ 16.0% |
| Financial charges65/66B | €429 | €513 | €285 | €326 | €280 | ▼ 14.2% |
| Recurring financial charges65 | €429 | €513 | €285 | €326 | €280 | ▼ 14.2% |
| Profit (loss) for the period before taxes9903 | €58,588 | €58,358 | €120,173 | €97,985 | €28,451 | ▼ 71.0% |
| Income taxes67/77 | €5,300 | €5,300 | €10,920 | €8,900 | €5,265 | ▼ 40.8% |
| Profit (loss) for the period9904 | €53,288 | €53,058 | €109,253 | €89,085 | €23,186 | ▼ 74.0% |
| Profit (loss) for the period to be appropriated9905 | €53,288 | €53,058 | €109,253 | €89,085 | €23,186 | ▼ 74.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €420,778 | €420,357 | €467,191 | €511,688 | €449,256 | ▼ 12.2% |
| Fixed assets21/28 | €420,000 | €420,000 | €420,000 | €420,000 | €420,000 | = |
| Financial fixed assets28 | €420,000 | €420,000 | €420,000 | €420,000 | €420,000 | = |
| Current assets29/58 | €778 | €357 | €47,191 | €91,688 | €29,256 | ▼ 68.1% |
| Amounts receivable within one year40/41 | - | - | €7,308 | €46,320 | €2,355 | ▼ 94.9% |
| Trade receivables40 | - | - | €197 | €24,200 | - | - |
| Other amounts receivable41 | - | - | €7,111 | €22,120 | €2,355 | ▼ 89.4% |
| Cash at bank and in hand54/58 | €778 | €357 | €39,883 | €45,368 | €26,901 | ▼ 40.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €420,778 | €420,357 | €467,191 | €511,688 | €449,256 | ▼ 12.2% |
| Equity10/15 | €284,829 | €337,087 | €400,540 | €443,766 | €416,119 | ▼ 6.2% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €246,860 | €299,860 | €364,060 | €408,060 | €381,245 | ▼ 6.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €245,000 | €298,000 | €364,060 | €408,060 | €381,245 | ▼ 6.6% |
| Profit (loss) carried forward14 | €31,769 | €31,027 | €30,280 | €29,506 | €28,674 | ▼ 2.8% |
| Amounts payable17/49 | €135,949 | €83,270 | €66,651 | €67,922 | €33,137 | ▼ 51.2% |
| Amounts payable within one year42/48 | €135,949 | €83,270 | €66,651 | €67,922 | €33,137 | ▼ 51.2% |
| Financial debts43 | - | €1,509 | - | €4,121 | - | - |
| Credit institutions430/8 | - | €1,509 | - | - | - | - |
| Other loans439 | - | - | - | €4,121 | - | - |
| Trade debts44 | €97 | €204 | €1,465 | €160 | €949 | ▲ 493% |
| Suppliers440/4 | €97 | €204 | €1,465 | €160 | €949 | ▲ 493% |
| Taxes, remuneration and social security45 | €1,500 | €1,600 | €23,505 | €17,783 | €13,332 | ▼ 25.0% |
| Taxes450/3 | €1,500 | €1,600 | €23,505 | €13,283 | €8,832 | ▼ 33.5% |
| Remuneration and social security454/9 | - | - | - | €4,500 | €4,500 | = |
| Other amounts payable47/48 | €134,352 | €79,957 | €41,681 | €45,859 | €18,856 | ▼ 58.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,288 | €53,058 | €109,253 | €89,085 | €23,186 | ▼ 74.0% |
| Operating cash flow (approximation) | €53,288 | €53,058 | €109,253 | €89,085 | €23,186 | ▼ 74.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€421 | €39,526 | €5,485 | -€18,467 | ▼ 437% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €23,186 ▼74%
Net result drops to €23,186, the lowest in the series.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €109,253 ▲106%
Net result €109,253, the highest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 44 days late
2020
31-12
Financial
Equity above €200,000Eq €232,541 ▲28.3%
3 profitable years in a row build equity to €232,541.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Equity above €150,000Eq €181,310 ▲38.1%
2 profitable years in a row build equity to €181,310.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Namur · 1 establishment unit since 2014
Ground area
557 m²
Building footprint
82 m²
Volume, LiDAR
533 m³
Parcel 92043G0344/00_000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHAMANO
since 20142.231.334.550
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92043G0344/00_000 | Wallonia | 557 m² | 1 · 82 m² | 7.7 m · 2 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.
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Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 36,112 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
Founded21-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
E-mail
info@derepperemy.be
E-mail
catherineparage@hotmail.comNamur
Phone
0473/65.19.58Namur
E-invoicing
Reachable via Peppol
Peppol ID
0208:0548790168
Also
9925:BE0548790168
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.