CHAMAR CONSEIL
ActiveCHAMAR CONSEIL has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €19k. Equity is shrinking by ~17% per year across the filed fiscal years. Its solvency ranks better than 32% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▲ +28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54▲+4
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.99 in 2024), and 66.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
38 d early
2023
49 d early
2022
50 d early
2021
68 d early
2020
83 d early
2019
93 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k=
2024 · €14k
2019: €36k
2020: €37k
2021: €58k
2022: €26k
2023: €22k
2024: €14k
2019 → 2025
Total assets
€43k▼ 2.9%
2024 · €44k
2019: €60k
2020: €56k
2021: €78k
2022: €73k
2023: €57k
2024: €44k
2019 → 2025
Net result
€19k▲ 32.3%
2024 · €14k
2019: €485
2020: €13k
2021: €26k
2022: €8k
2023: €21k
2024: €14k
2019 → 2025
Working capital
€2k
2024 · €-428
2019: €31k
2020: €32k
2021: €51k
2022: €22k
2023: €11k
2024: €-428
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€26k▼ 55.8%€22k▼ 14.9%€14k▼ 34.3%€14k=
Operating result€30k-€10k▼ 65.3%€27k▲ 160%€20k▼ 23.9%€27k▲ 30.6%
Net result€26k-€8k▼ 69.9%€21k▲ 173%€14k▼ 33.2%€19k▲ 32.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€12k▼ 17.3%
Current assets
€31k▲ 4.3%
Equity and liabilities €43k
Equity
€14k=
Debt
€29k▼ 4.2%
The debt ratio falls from 67.7% to 66.8%: debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2024 · €25k
Cash flow
€23k▲
2024 · €18k
Solvency
33.2%▲
2024 · 32.3%
Current ratio
1.07▲
2024 · 0.99
Quick ratio
1.07▲
2024 · 0.99
Debt / equity
2.01▼
2024 · 2.10
ROE
131.2%▲
2024 · 99.2%
ROA
43.6%▲
2024 · 32.0%
Interest coverage
84.37▼
2024 · 155.21
Debt
€29k▼
2024 · €30k
Debt ≤ 1 year
€29k▼
2024 · €30k
Income taxes
€8k▲
2024 · €7k
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€44k€43k▼
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€12k▼
Plant, machinery and equipment23€933€798▼
Furniture and vehicles24€13k€10k▼
Other tangible fixed assets26€949€853▼
Current assets29/58€30k€31k▲
Amounts receivable within one year40/41€23k€16k▼
Trade receivables40€12k€14k▲
Other amounts receivable41€11k€2k▼
Current investments50/53-€6k
Cash at bank and in hand54/58€3k-
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€44k€43k▼
Equity10/15€14k€14k=
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Amounts payable17/49€30k€29k▼
Amounts payable within one year42/48€30k€29k▼
Trade debts44€61€644▲
Suppliers440/4€61€644▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€22k€19k▼
Income statement
Code20242025
Non-recurring operating income76A-€822
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€703▼
Gross operating margin9900€26k€32k▲
Operating profit (loss)9901€20k€27k▲
Financial income75/76B€551€100▼
Recurring financial income75€551€100▼
Financial charges65/66B€159€372▲
Recurring financial charges65€159€372▲
Profit (loss) for the period before taxes9903€21k€26k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€14k€19k▲
Profit (loss) for the period to be appropriated9905€14k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€19k▼
Profit (loss) brought forward from the previous period14P€7k-
Profit to be distributed694/7€22k€19k▼
Return on contributions (dividend)694€22k€19k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €26k ▲105%
Operating result €30k, net result €26k, both a record.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Beersel · 1 establishment unit since 2005
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.
Kerselarenlaan 81650 BeerselGround area
834 m²
Building footprint
94 m²
Volume, LiDAR
546 m³
Parcel 23003B0081/00M005, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chamar Conseil
since 20052.145.333.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003B0081/00M005 | Flanders | 834 m² | 1 · 93 m² | 8.8 m · 2 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
O'KEEFFE CONSULTING
BE 0536.777.016
Sint-Pieters-Woluwe · Eq €14k
UP CONSULTING
BE 0661.744.985
Waterloo · Eq €14k
MICHEL VLASSELAER
BE 0840.528.358
Elsene · Eq €14k
LET IT BEE
BE 0879.515.331
Waterloo · Eq €14k
ABNT CONSULTING
BE 0734.466.182
Incourt · Eq €14k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 26,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2005
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.