CHAMAR CONSULTING
ActiveCHAMAR CONSULTING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €66k and a net result of €1k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 289 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
86
/ 100
Excellent▼ -8 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability8▼-17
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 20.99 against 11.95 in 2025), and 6.7% 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
93.3%
Return on assets
1.5%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 11-09-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
50 d early
2025
150 d early
2024
31 d early
2023
8 d early
2022
on the day
2021
6 d early
2020
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€66k▲ 1.6%
2025 · €65k
2019: €31k
2020: €44k
2021: €65k
2022: €56k
2023: €60k
2024: €62k
2025: €65k
2019 → 2026
Total assets
€71k▼ 2.0%
2025 · €72k
2019: €40k
2020: €57k
2021: €77k
2022: €61k
2023: €67k
2024: €69k
2025: €72k
2019 → 2026
Net result
€1k▼ 67.9%
2025 · €3k
2019: €11k
2020: €13k
2021: €21k
2022: €-9k
2023: €4k
2024: €2k
2025: €3k
2019 → 2026
Working capital
€65k▲ 2.3%
2025 · €63k
2019: €30k
2020: €43k
2021: €64k
2022: €55k
2023: €56k
2024: €59k
2025: €63k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€56k-€60k▲ 6.9%€62k▲ 3.5%€65k▲ 5.3%€66k▲ 1.6%
Operating result€-9k-€4k€2k▼ 45.7%€4k▲ 104%€2k▼ 61.4%
Net result€-9k-€4k€2k▼ 46.1%€3k▲ 58.8%€1k▼ 67.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 61% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €71k
Fixed assets
€3k▼ 11.4%
Current assets
€68k▼ 1.6%
Equity and liabilities €71k
Equity
€66k▲ 1.6%
Debt
€5k▼ 34.9%
The debt ratio falls from 10.1% to 6.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2025 · €6k
Cash flow
€3k▼
2025 · €5k
Solvency
93.3%▲
2025 · 89.9%
Current ratio
20.99▲
2025 · 11.95
Quick ratio
19.68▲
2025 · 11.10
Debt / equity
0.07▼
2025 · 0.11
ROE
1.6%▼
2025 · 5.1%
ROA
1.5%▼
2025 · 4.6%
Interest coverage
23.23▲
2025 · 21.27
Debt
€5k▼
2025 · €7k
Debt ≤ 1 year
€3k▼
2025 · €6k
Income taxes
€565▼
2025 · €903
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€72k€71k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€1k€822▼
Other tangible fixed assets26€537€268▼
Financial fixed assets28€480€480=
Current assets29/58€69k€68k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€9k€7k▼
Other amounts receivable41€409-
Cash at bank and in hand54/58€53k€55k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€72k€71k▼
Equity10/15€65k€66k▲
Contributions10/11€8k€8k=
Reserves13€57k€59k▲
Distributable reserves133€57k€59k▲
Amounts payable17/49€7k€5k▼
Amounts payable within one year42/48€6k€3k▼
Trade debts44€4k€947▼
Suppliers440/4€4k€947▼
Taxes, remuneration and social security45€885€1k▲
Taxes450/3€885€1k▲
Other amounts payable47/48€652€1k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€8k€5k▼
Operating profit (loss)9901€4k€2k▼
Financial income75/76B€59€68▲
Recurring financial income75€59€68▲
Financial charges65/66B€290€153▼
Recurring financial charges65€290€153▼
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77€903€565▼
Profit (loss) for the period9904€3k€1k▼
Profit (loss) for the period to be appropriated9905€3k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€1k▼
Transfer to equity691/2€3k€1k▼
To other reserves6921€3k€1k▼
The notes to these accounts (8 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 2027, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-9k ▼144%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 14.70
Current ratio from 7.24 to 14.70; short-term debt falls from €10k to €4k.
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €21k ▲68.4%
Operating result €26k, net result €21k, both a record.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Boom · 1 establishment unit since 2015
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.
Tuyaertsstraat 162850 BoomGround area
232 m²
Building footprint
114 m²
Volume, LiDAR
894 m³
Parcel 11005B0405/00R003, Flanders · tallest building 16.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHAMAR CONSULTING
since 20152.244.585.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11005B0405/00R003 | Flanders | 232 m² | 1 · 114 m² | 16.8 m · 3 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 39,290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2015
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.