Chamber's

Active

Private limited companyfounded 20242 yrs activeChaussée de Tongres(AMA) 136, 4540 Amay, BelgiumKBO/BCE: BE 1008.149.407

Summary

Chamber's has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,102 and a net result of €21,499. Its solvency ranks better than 44% of 7676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

Chamber'sActiveChecked score 88/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300NACE 70210

1 site

Size

€49,564total assets 2025

Equity: €23,102
Profit: €21,499

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts filed 59 d late0 of 1 deed read

Why 88- Latest accounts 59 days late; 1 of the last 3 late- Size: total assets €49,564+ Liquidity: current ratio 1.77, cash €22,272+ Sector Advertising, market research and public relations activities (NACE 73)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 75% of its sector peers (NACE 73, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 72+42

equity 46.6% of total assets

Liquidity 73+41

short-term debt 53.4% · cash 44.9%

Profitability 100+87

return on assets 43.4%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,109 companies)

Last 19 months 05-2025: 0.9% 06-2025: 0.9%▲ +2.9% vs 05-2025 07-2025: 0.9%▲ +0.1% vs 06-2025 08-2025: 1.0%▲ +11.8% vs 07-2025 09-2025: 0.4%▼ -57.1% vs 08-2025 10-2025: 0.5%▲ +2.7% vs 09-2025 11-2025: 0.5%▲ +6.5% vs 10-2025 12-2025: 0.5%▲ +1.4% vs 11-2025 01-2026: 0.5%▼ -1.2% vs 12-2025 02-2026: 0.5%▼ -0.8% vs 01-2026 03-2026: 0.5%▲ +6.0% vs 02-2026 04-2026: 0.6%▲ +15.1% vs 03-2026 05-2026: 0.6%▲ +4.4% vs 04-2026 06-2026: 0.6%▼ -0.3% vs 05-2026 07-2026: 0.6%▲ +2.9% vs 06-2026 08-2026: 1.0%▲ +62.3% vs 07-2026 09-2026: 1.3%▲ +27.0% vs 08-2026highest value 10-2026: 0.3%▼ -73.5% vs 09-2026lowest value

Liquidity: current ratio 1.77, cash €22,272 lowers the probability
Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
Latest accounts 59 days late; 1 of the last 3 late raises the probability
Size: total assets €49,564 raises the probability for this profile

Credit up to €2,000 at 30 days acceptable

Liquidity ample (current ratio 1.77 against 0.96 in 2024; short-term debt: 53.4% and cash: 44.9% of total assets), but 53.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 46%, liquidity 65%, profitability 88%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.77, cash €22,272

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Advertising, market research and public relations activities (NACE 73)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 59 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €49,564

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

59 d late

2024

29 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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.

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage