CHAMART-SONVEAUX
ActiveCHAMART-SONVEAUX has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €237k and a net result of €212k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 71% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 4.59 against 5.19 in 2024; short-term debt: 15.2% and cash: 36.4% of total assets), and 18.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
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 2025Solvency, return and age of the figures
Solvency
81.6%
Return on assets
73.1%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
1 d early
2022
3 d early
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€290k▼ 16.6%
2024 · €348k
2018: €362k
2019: €379k
2020: €352k
2021: €312k
2022: €345k
2023: €335k
2024: €348k
2018 → 2025
Net result
€212k▼ 15.1%
2024 · €250k
2018: €142k
2019: €185k
2020: €191k
2021: €193k
2022: €196k
2023: €214k
2024: €250k
2018 → 2025
Working capital
€158k▼ 26.8%
2024 · €216k
2018: €123k
2019: €166k
2020: €169k
2021: €184k
2022: €176k
2023: €158k
2024: €216k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€227k-€230k▲ 1.4%€243k▲ 5.4%€275k▲ 13.1%€237k▼ 13.8%
Operating result€255k-€260k▲ 1.8%€279k▲ 7.7%€328k▲ 17.3%€277k▼ 15.5%
Net result€193k-€196k▲ 1.8%€214k▲ 8.8%€250k▲ 17.0%€212k▼ 15.1%
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 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €290k
Fixed assets
€88k▲ 9.9%
Current assets
€202k▼ 24.5%
Equity and liabilities €290k
Equity
€237k▼ 13.8%
Debt
€53k▼ 26.9%
The debt ratio falls from 21.0% to 18.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€298k▼
2024 · €370k
Cash flow
€233k▼
2024 · €292k
Solvency
81.6%▲
2024 · 79.0%
Current ratio
4.59▼
2024 · 5.19
Quick ratio
4.59▼
2024 · 5.19
Debt / equity
0.23▼
2024 · 0.27
ROE
89.5%▼
2024 · 90.9%
ROA
73.1%▲
2024 · 71.8%
Interest coverage
182.74▲
2024 · 122.71
Debt
€53k▼
2024 · €73k
Debt ≤ 1 year
€44k▼
2024 · €52k
Debt > 1 year
€9k▼
2024 · €21k
Income taxes
€69k▼
2024 · €81k
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€348k€290k▼
Fixed assets21/28€80k€88k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€80k€88k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€72k€81k▲
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€50€50=
Current assets29/58€268k€202k▼
Amounts receivable within one year40/41€102k€93k▼
Trade receivables40€16k€18k▲
Other amounts receivable41€86k€75k▼
Cash at bank and in hand54/58€162k€106k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€348k€290k▼
Equity10/15€275k€237k▼
Contributions10/11€25k€25k=
Reserves13€250k€212k▼
Distributable reserves133€250k€212k▼
Amounts payable17/49€73k€53k▼
Amounts payable after more than one year17€21k€9k▼
Financial debts170/4€21k€9k▼
Amounts payable within one year42/48€52k€44k▼
Current portion of amounts payable after more than one year42€31k€34k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€19k€8k▼
Taxes450/3€19k€8k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€24-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€21k▼
Other operating charges640/8€3k€19k▲
Gross operating margin9900€373k€318k▼
Operating profit (loss)9901€328k€277k▼
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€331k€281k▼
Income taxes67/77€81k€69k▼
Profit (loss) for the period9904€250k€212k▼
Profit (loss) for the period to be appropriated9905€250k€212k▼
Appropriation of the result
Profit (loss) to be appropriated9906€250k€212k▼
Transfer from equity791/2€218k€250k▲
Transfer to equity691/2€250k€212k▼
To other reserves6921€250k€212k▼
Profit to be distributed694/7€218k€250k▲
Return on contributions (dividend)694€218k€250k▲
The notes to these accounts (13 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €250k ▲17%
Operating result €328k, net result €250k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €200kEq €219k ▲23.9%
2 profitable years in a row build equity to €219k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Braine-le-Comte · 1 establishment unit since 2006
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.
Rue du Pire 727090 Braine-le-ComteGround area
1,721 m²
Building footprint
128 m²
Parcel 55302B0227/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Pire 72, 7090 Braine-le-Comte
since 20062.331.593.651
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302B0227/00D000 | Wallonia | 1,721 m² | 1 · 128 m² | - |
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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Dokter Pauline Lemmens
BE 0799.112.823
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Dr. Valerie Van Goethem, Gynaecoloog
BE 0765.644.358
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Dr. Alexander de Bruyn, neurologie
BE 1005.259.993
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,973. 6,664 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2006
Fiscal year end30-09
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.