CHAMANO
ActiveSummary
CHAMANO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€561,751) and a net result of €12,249. Equity is shrinking by about 11% per year across the filed financial years. Its solvency ranks better than 5% of 9,680 sector peers (NACE 64, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
€126,169total assets 2025
- Equity
- -€561,751
- Profit
- €12,249
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 1 day early0 of 2 deeds read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9680 sector peers (2025).
NBB · sector comparisonPosition among 9680 sector peers
Solvency
better than 5%
← weakest
strongest →
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 day early
2024
3 days early
2023
1 day early
2022
14 days early
2021
47 days early
2020
4 days early
2019
8 days early
← 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 11 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end18-10-2026 today31-01-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €12,249
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
Equity
-€561,751▲ 2.1%
2024 · -€574,001
Net result
€12,249
2024 · -€41,344
Total assets
€126,169▲ 238%
2024 · €37,358
Solvency
-445.2%▲ 1091.3pp
2024 · -1536.5%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result returns to profit in 2025: €13,008 after a loss of €40,637 in 2024, the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€13,008
2025
Net result€12,249
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€126,169
2025
Equity-€561,751
2025
Debt€687,920
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€585,642
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)9.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency-445.2%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.15
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result-€125,138--€118,010▲ 5.7%-€104,366▲ 11.6%-€112,104▼ 7.4%€4,770-€40,637€13,008
Net result-€125,721--€118,144below the sector's middle half▲ 6.0%-€105,278below the sector's middle half▲ 10.9%-€112,561below the sector's middle half▼ 6.9%€3,637below the sector's middle half-€41,344below the sector's middle half€12,249within the sector's middle half
Equity-€200,310--€318,454below the sector's middle half▼ 59.0%-€423,731below the sector's middle half▼ 33.1%-€536,293below the sector's middle half▼ 26.6%-€532,656below the sector's middle half▲ 0.7%-€574,001below the sector's middle half▼ 7.8%-€561,751below the sector's middle half▲ 2.1%
Total assets€28,156-€28,505below the sector's middle half▲ 1.2%€23,044below the sector's middle half▼ 19.2%€27,692below the sector's middle half▲ 20.2%€164,776within the sector's middle half▲ 495%€37,358below the sector's middle half▼ 77.3%€126,169within the sector's middle half▲ 238%
Debt€228,466-€346,959▲ 51.9%€446,775▲ 28.8%€563,985▲ 26.2%€697,432▲ 23.7%€611,358▼ 12.3%€687,920▲ 12.5%
Working capital-€218,879--€331,488below the sector's middle half▼ 51.4%-€431,231below the sector's middle half▼ 30.1%-€543,793below the sector's middle half▼ 26.1%-€556,556below the sector's middle half▼ 2.3%-€595,311below the sector's middle half▼ 7.0%-€585,642below the sector's middle half▲ 1.6%
Solvency-711.4%--1117.2%below the sector's middle half▼ 405.7pp-1838.8%below the sector's middle half▼ 721.7pp-1936.6%below the sector's middle half▼ 97.8pp-323.3%below the sector's middle half▲ 1613.3pp-1536.5%below the sector's middle half▼ 1213.2pp-445.2%below the sector's middle half▲ 1091.3pp
Current ratio0.04-0.04below the sector's middle half=0.03below the sector's middle half▼ 0.010.04below the sector's middle half=0.20below the sector's middle half▲ 0.170.03below the sector's middle half▼ 0.180.15below the sector's middle half▲ 0.12
Return on assets (ROA)-446.5%--414.5%below the sector's middle half▲ 32.1pp-456.9%below the sector's middle half▼ 42.4pp-406.5%below the sector's middle half▲ 50.4pp2.2%within the sector's middle half▲ 408.7pp-110.7%below the sector's middle half▼ 112.9pp9.7%within the sector's middle half▲ 120.4pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126,169
Fixed assets
€23,891 ▲ 12.1%
Current assets
€102,278 ▲ 537%
Equity and liabilities
Equity-€561,751
Debt€687,920
Equity is negative: debt (€687,920) exceeds the balance-sheet total (€126,169).
Key figures and ratios
Debt ≤ 1 year
€687,920▲
2024 · €611,358
Income taxes
€693▼
2024 · €734
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,673 | €5,534 | €5,534 | €0 | €4,100 | €4,358 | €6,131 | ▲ 40.7% |
| Other operating charges640/8 | - | - | - | €1,814 | €13,975 | €2,348 | €2,709 | ▲ 15.3% |
| Gross operating margin9900 | -€118,035 | -€111,518 | -€96,992 | -€110,290 | €22,846 | -€33,931 | €21,848 | - |
| Operating profit (loss)9901 | -€125,138 | -€118,010 | -€104,366 | -€112,104 | €4,770 | -€40,637 | €13,008 | - |
| Financial income75/76B | - | - | - | €0 | €0 | €0 | - | - |
| Recurring financial income75 | €3 | - | €0 | €0 | €0 | €0 | - | - |
| Financial charges65/66B | - | - | - | €0 | €539 | -€26 | €66 | - |
| Recurring financial charges65 | €193 | €134 | €0 | €0 | €539 | -€26 | €66 | - |
| Profit (loss) for the period before taxes9903 | -€125,328 | -€118,144 | -€104,366 | -€112,104 | €4,232 | -€40,611 | €12,943 | - |
| Income taxes67/77 | €393 | - | €911 | €458 | €595 | €734 | €693 | ▼ 5.5% |
| Profit (loss) for the period9904 | -€125,721 | -€118,144 | -€105,278 | -€112,561 | €3,637 | -€41,344 | €12,249 | - |
| Profit (loss) for the period to be appropriated9905 | -€125,721 | -€118,144 | -€105,278 | -€112,561 | €3,637 | -€41,344 | €12,249 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €28,156 | €28,505 | €23,044 | €27,692 | €164,776 | €37,358 | €126,169 | ▲ 238% |
| Fixed assets21/28 | €18,569 | €13,034 | €7,500 | €7,500 | €23,900 | €21,310 | €23,891 | ▲ 12.1% |
| Tangible fixed assets22/27 | €11,069 | €5,534 | €0 | - | €16,400 | €13,810 | €16,391 | ▲ 18.7% |
| Plant, machinery and equipment23 | - | - | - | - | - | €1,510 | €2,411 | ▲ 59.6% |
| Furniture and vehicles24 | - | - | - | - | €16,400 | €12,300 | €13,980 | ▲ 13.7% |
| Financial fixed assets28 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Current assets29/58 | €9,587 | €15,471 | €15,544 | €20,192 | €140,876 | €16,047 | €102,278 | ▲ 537% |
| Amounts receivable within one year40/41 | €5,174 | €9,511 | €10,222 | €14,713 | €130,272 | €10,676 | €97,107 | ▲ 810% |
| Trade receivables40 | - | - | - | - | €125,000 | €10,676 | €96,800 | ▲ 807% |
| Other amounts receivable41 | - | - | - | €14,713 | €5,272 | €0 | €307 | - |
| Cash at bank and in hand54/58 | €4,413 | €4,163 | €2,669 | €4,364 | €8,360 | €3,416 | €3,239 | ▼ 5.2% |
| Deferred charges and accrued income490/1 | - | - | - | €1,116 | €2,243 | €1,956 | €1,932 | ▼ 1.2% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €28,156 | €28,505 | €23,044 | €27,692 | €164,776 | €37,358 | €126,169 | ▲ 238% |
| Equity10/15 | -€200,310 | -€318,454 | -€423,731 | -€536,293 | -€532,656 | -€574,001 | -€561,751 | ▲ 2.1% |
| Contributions10/11 | €6,200 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €72,870 | €72,870 | €72,870 | €72,870 | €72,870 | €72,870 | €72,870 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €71,010 | €71,010 | €71,010 | €71,010 | = |
| Profit (loss) carried forward14 | -€279,380 | -€397,523 | -€502,801 | -€615,362 | -€611,726 | -€653,070 | -€640,821 | ▲ 1.9% |
| Amounts payable17/49 | €228,466 | €346,959 | €446,775 | €563,985 | €697,432 | €611,358 | €687,920 | ▲ 12.5% |
| Amounts payable within one year42/48 | €228,466 | €346,959 | €446,775 | €563,985 | €697,432 | €611,358 | €687,920 | ▲ 12.5% |
| Trade debts44 | €3,167 | €2,917 | €448 | €575 | €1,021 | €13,562 | €4,646 | ▼ 65.7% |
| Suppliers440/4 | - | - | - | €575 | €1,021 | €13,562 | €4,646 | ▼ 65.7% |
| Taxes, remuneration and social security45 | - | - | - | €1,828 | €2,423 | €1,005 | €15,288 | ▲ 1,421% |
| Taxes450/3 | - | - | - | €1,828 | €2,423 | €1,005 | €15,288 | ▲ 1,421% |
| Other amounts payable47/48 | - | - | - | €561,583 | €693,988 | €596,791 | €667,986 | ▲ 11.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€125,721 | -€118,144 | -€105,278 | -€112,561 | €3,637 | -€41,344 | €12,249 | - |
| + Depreciation and write-downs630 | €5,673 | €5,534 | €5,534 | €0 | €4,100 | €4,358 | €6,131 | ▲ 40.7% |
| Operating cash flow (approximation) | -€120,048 | -€112,609 | -€99,743 | -€112,561 | €7,737 | -€36,987 | €18,380 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€20,500 | -€1,768 | -€8,712 | ▼ 393% |
| Change in cash | - | -€251 | -€1,494 | €1,695 | €3,996 | -€4,944 | -€177 | ▲ 96.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 16 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 30-01-2026 | 2026-00023725 |
| 30-06-2024 | micro format | 28-01-2025 | 2025-00014612 |
| 30-06-2023 | micro format | 30-01-2024 | 2024-00019700 |
| 30-06-2022 | micro format | 17-01-2023 | 2023-20559081 |
| 30-06-2021 | micro format | 15-12-2021 | 2021-80400120 |
| 30-06-2020 | micro format | 27-01-2021 | 2021-02600158 |
| 30-06-2019 | micro format | 23-01-2020 | 2020-02000054 |
| 30-06-2018 | micro format | 24-01-2019 | 2019-02200171 |
| 30-06-2017 | micro format | 29-01-2018 | 2018-02900320 |
| 30-06-2016 | abbreviated format | 15-02-2017 | 2017-04500516 |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 24,462 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 19,970. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
30-06
Financial
Back to profitnet €12,249
Net result €12,249 after one loss-making year.
28-01
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
30-01
NBB filing
Annual accounts filed
financial year 2023 · micro format
2023
30-06
Financial
Back to profitnet €3,637
Net result €3,637 after 4 loss-making years.
17-01
NBB filing
Annual accounts filed
financial year 2022 · micro format
2021
15-12
NBB filing
Annual accounts filed
financial year 2021 · micro format
27-01
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
23-01
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
24-01
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
29-01
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
15-02
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 16 annual accounts filed, the latest 10 are here; all 16 are under Financials.
0 of 2 deeds read
About the unread acts
We know of 2 Belgian Official 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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Register details
Identification
Legal formPrivate limited company
Founded24-12-2008
Financial year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808734629
Registered
29-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 18 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
2 applications in Flanders since 2019 · 1 granted
Slopen van niet vrijstaande gebouwen of constructies
Bouwen of herbouwen
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 2009
Ground area
3,564 m²
Building footprint
376 m²
Building volume
2,464 m³
Parcel 12392C0146/00C000, Flanders · tallest building 12.7 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Chamano
since 2009unit no. 2.175.970.712
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12392C0146/00C000 | Flanders | 3,564 m² | 1 · 376 m² | 12.7 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
1 of these parcels carries protected heritage: expect extra rules on renovation or sale.