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CHAMCO

Active
Public limited companyfounded 1971active for 55 yearsRue de Tirlemont 53, 4287 Lincent, BelgiumKBO/BCE: BE 0408.125.124

Financials · financial year 2025, abbreviated format

2025 annual accounts filed 28 days after the deadline Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00440936.

Annual accounts 2025 filed on 28-08-2026 at the NBB all 47 filings

Turnover
≈ €300,000
Estimated: probably between €250,000 and €460,000
EBIT margin
Not included in this filing
Net result
€62,104▼ 69.7%
2024 · €204,804
Working capital
-€40,953▲ 59.7%
2024 · -€101,574
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result for 2025 is 60% lower than in 2024.

Operating result€0.09m 2025 Net result€0.06m 2025

Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.

Use the arrow keys on the chart for the figures per year.

The sector band is the middle half of the companies in Real estate activities (NACE 68). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€0.2m-€0.5m▲ 190%-€0.001m€0.1m€0.04m▼ 63.0%€0.06m▲ 60.9%€0.2m▲ 236%€0.09m▼ 60.0%
Net result€0.1m-€0.5m▲ 271%-€0.03mbelow the sector's middle half€0.08mabove the sector's middle half€0.02mwithin the sector's middle half▼ 77.8%€0.04mabove the sector's middle half▲ 133%€0.2mabove the sector's middle half▲ 388%€0.06mwithin the sector's middle half▼ 69.7%
Equity€2.2m-€2.7m▲ 22.3%€2.6mabove the sector's middle half▼ 1.2%€2.7mabove the sector's middle half▲ 3.1%€2.7mabove the sector's middle half▲ 0.7%€2.8mabove the sector's middle half▲ 1.5%€3.0mabove the sector's middle half▲ 7.4%€3.0mabove the sector's middle half▲ 2.1%
Total assets€4.1m-€3.8m▼ 7.1%€3.7mwithin the sector's middle half▼ 2.7%€3.6mabove the sector's middle half▼ 2.0%€3.5mabove the sector's middle half▼ 3.2%€3.4mabove the sector's middle half▼ 2.4%€3.4mabove the sector's middle half▼ 2.4%€3.3mwithin the sector's middle half▼ 1.9%
Debt€1.9m-€1.2m▼ 40.0%€1.1m▼ 6.1%€0.9m▼ 14.2%€0.8m▼ 14.3%€0.7m▼ 15.8%€0.4m▼ 42.7%€0.3m▼ 32.4%
Working capital-€0.9m--€0.3m▲ 69.9%-€0.3mbelow the sector's middle half▼ 14.9%-€0.3mbelow the sector's middle half▲ 16.8%-€0.3mbelow the sector's middle half▼ 23.2%-€0.4mbelow the sector's middle half▼ 13.8%-€0.1mbelow the sector's middle half▲ 72.5%-€0.04mwithin the sector's middle half▲ 59.7%
Solvency52.9%-69.6%▲ 16.7pp70.7%above the sector's middle half▲ 1.1pp74.3%above the sector's middle half▲ 3.7pp77.3%above the sector's middle half▲ 3.0pp80.4%above the sector's middle half▲ 3.1pp88.5%above the sector's middle half▲ 8.1pp92.1%above the sector's middle half▲ 3.6pp
Current ratio0.20-0.46▲ 0.260.38below the sector's middle half▼ 0.080.41below the sector's middle half▲ 0.020.27below the sector's middle half▼ 0.130.21below the sector's middle half▼ 0.070.65within the sector's middle half▲ 0.440.81within the sector's middle half▲ 0.16
Return on assets (ROA)3.2%-12.7%▲ 9.5pp-0.8%within the sector's middle half▼ 13.5pp2.2%within the sector's middle half▲ 3.1pp0.5%within the sector's middle half▼ 1.7pp1.2%within the sector's middle half▲ 0.7pp6.1%within the sector's middle half▲ 4.9pp1.9%within the sector's middle half▼ 4.2pp
Staff (FTE)0.3-
above within below The sector band is the middle half of the companies in Real estate activities (NACE 68). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The turnover shown is an estimate from the gross margin.
Large changes and their cause
  • 2025 Net result -70% on 2024. The accounts now follow the abbreviated format, last year the micro format.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.3m
Fixed assets €3.1m ▼ 1.6%
Current assets €173,654 ▼ 6.8%
Equity and liabilities €3.3m
Equity €3.0m ▲ 2.1%
Debt €261,342 ▼ 32.4%
Debt's share of the balance-sheet total falls from 11.5% to 7.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€137,109▼
2024 · €268,121
Cash flow
€112,321▼
2024 · €255,456
Quick ratio
0.67▲
2024 · 0.55
Debt to equity
0.09▼
2024 · 0.13
ROE
2.0%▼
2024 · 6.9%
Interest coverage
13.19▼
2024 · 21.21
Debt ≤ 1 year
€214,607▼
2024 · €287,936
Debt > 1 year
€46,735▼
2024 · €98,435
Income taxes
€14,416▲
2024 · €564
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Comparable companies

These companies have the same main activity as CHAMCO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €2.5m and €3.2m, founded between 1968 and 1981.

CompanyFoundedTotal assetsEquityGross marginNet resultFinancial year
CHAMCO Lincent1971€3.3m€3.0m€0.2m€0.06m2025
IMDEBRA Dentergem1972€3.1m€1.6m€0.2m€0.05m2025
Vulcain Gent1968€2.9m€1.7m€0.2m€0.01m2025
PANTARHEI Antwerpen1981€3.0m€0.1m€0.2m-€0.1m2025
IMMOBILIERE DESCHAMPS Tubize1976€2.5m€1.9m€0.2m-€0.06m2025
DE STADHOUDER Dilbeek1974€2.7m€0.6m€0.2m-€0.03m2025
GAGAR IMMO Sint-Gillis (bij-Brussel)1968€3.2m€0.5m€0.3m-€0.003m2025

They were chosen from the 7,155 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines

Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.

Balance sheet Code20242025
Assets
Total assets20/58€3.4m€3.3m▼
Fixed assets21/28€3.2m€3.1m▼
Tangible fixed assets22/27€0.7m€0.6m▼
Land and buildings22€0.7m€0.6m▼
Financial fixed assets28€2.5m€2.5m=
Current assets29/58€0.2m€0.2m▼
Stocks and contracts in progress3€0.03m€0.03m=
Stocks30/36€0.03m€0.03m=
Amounts receivable within one year40/41€0.1m€0.1m▼
Trade receivables40€0.01m€0.009m▼
Other amounts receivable41€0.1m€0.1m=
Cash at bank and in hand54/58€0.03m€0.02m▼
Deferred charges and accrued income490/1€0.01m€0.01m▼
Equity and liabilities
Total equity and liabilities10/49€3.4m€3.3m▼
Equity10/15€3.0m€3.0m▲
Contributions10/11€1.9m€1.9m=
Capital10€1.9m€1.9m=
Issued capital100€1.9m€1.9m=
Reserves13€0.1m€0.1m=
Non-distributable reserves130/1€0.08m€0.08m=
Legal reserve130€0.08m€0.08m=
Tax-exempt reserves132€0.02m€0.02m=
Profit (loss) carried forward14€1.0m€1.0m▲
Amounts payable17/49€0.4m€0.3m▼
Amounts payable after more than one year17€0.1m€0.05m▼
Financial debts170/4€0.1m€0.05m▼
Amounts payable within one year42/48€0.3m€0.2m▼
Current portion of amounts payable after more than one year42€0.1m€0.05m▼
Trade debts44€0.01m€0.007m▼
Suppliers440/4€0.01m€0.007m▼
Taxes, remuneration and social security45€0.002m€0.01m▲
Taxes450/3€0.002m€0.01m▲
Other amounts payable47/48€0.2m€0.1m▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.05m€0.05m▼
Other operating charges640/8€0.03m€0.03m▲
Gross operating margin9900€0.3m€0.2m▼
Operating profit (loss)9901€0.2m€0.09m▼
Financial income75/76B€0.001m€25▼
Recurring financial income75€0.001m€25▼
Financial charges65/66B€0.01m€0.01m▼
Recurring financial charges65€0.01m€0.01m▼
Profit (loss) for the period before taxes9903€0.2m€0.08m▼
Income taxes67/77€0.001m€0.01m▲
Profit (loss) for the period9904€0.2m€0.06m▼
Profit (loss) for the period to be appropriated9905€0.2m€0.06m▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.0m€1.0m▲
Profit (loss) brought forward from the previous period14P€0.8m€1.0m▲

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Line20182019202020212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78,651€59,377€59,309€58,550€58,550€58,550€50,651€50,217▼ 0.9%
Other operating charges640/8---€25,595€30,925€34,826€30,394€31,442▲ 3.4%
Gross operating margin9900€297,940€620,392€101,981€192,608€129,654€158,040€298,515€168,550▼ 43.5%
Operating profit (loss)9901€180,603€522,861-€526€108,464€40,179€64,664€217,469€86,892▼ 60.0%
Financial income75/76B-----€134€542€25▼ 95.3%
Recurring financial income75€80----€134€542€25▼ 95.3%
Financial charges65/66B---€27,401€22,065€22,421€12,643€10,397▼ 17.8%
Recurring financial charges65€50,032€38,804€30,193€27,401€22,065€22,421€12,643€10,397▼ 17.8%
Profit (loss) for the period before taxes9903€130,650€484,057-€30,720€81,063€18,114€42,377€205,368€76,520▼ 62.7%
Income taxes67/77€164€150€137€135€117€416€564€14,416▲ 26×
Profit (loss) for the period9904€130,486€483,907-€30,857€80,928€17,997€41,961€204,804€62,104▼ 69.7%
Profit (loss) for the period to be appropriated9905€130,486€483,907-€30,857€80,928€17,997€41,961€204,804€62,104▼ 69.7%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€4.1m€3.8m€3.7m€3.6m€3.5m€3.4m€3.4m€3.3m▼ 1.9%
Fixed assets21/28€3.9m€3.6m€3.5m€3.5m€3.4m€3.3m€3.2m€3.1m▼ 1.6%
Intangible fixed assets21€0.001m€484-------
Tangible fixed assets22/27€1.4m€1.1m€1.0m€1.0m€0.9m€0.8m€0.7m€0.6m▼ 7.5%
Land and buildings22---€0.9m€0.9m€0.8m€0.7m€0.6m▼ 7.5%
Furniture and vehicles24---€0.02m€0.008m----
Financial fixed assets28€2.5m€2.5m€2.5m€2.5m€2.5m€2.5m€2.5m€2.5m=
Current assets29/58€0.2m€0.2m€0.2m€0.2m€0.1m€0.1m€0.2m€0.2m▼ 6.8%
Stocks and contracts in progress3€0.1m€0.07m€0.05m€0.03m€0.03m€0.03m€0.03m€0.03m=
Stocks30/36---€0.03m€0.03m€0.03m€0.03m€0.03m=
Amounts receivable within one year40/41€0.07m€0.05m€0.04m€0.02m€0.01m€0.009m€0.1m€0.1m▼ 2.1%
Trade receivables40---€0.01m€0.01m€0.008m€0.01m€0.009m▼ 22.4%
Other amounts receivable41---€0.006m€83€0.001m€0.1m€0.1m=
Cash at bank and in hand54/58€0.05m€0.1m€0.1m€0.1m€0.07m€0.05m€0.03m€0.02m▼ 32.9%
Deferred charges and accrued income490/1---€0.009m€0.009m€0.009m€0.01m€0.01m▼ 14.0%
Equity and liabilities
Total equity and liabilities10/49€4.1m€3.8m€3.7m€3.6m€3.5m€3.4m€3.4m€3.3m▼ 1.9%
Equity10/15€2.2m€2.7m€2.6m€2.7m€2.7m€2.8m€3.0m€3.0m▲ 2.1%
Contributions10/11€1.9m€1.9m€1.9m€1.9m€1.9m€1.9m€1.9m€1.9m=
Capital10---€1.9m€1.9m€1.9m€1.9m€1.9m=
Issued capital100---€1.9m€1.9m€1.9m€1.9m€1.9m=
Reserves13€0.07m€0.1m€0.1m€0.1m€0.1m€0.1m€0.1m€0.1m=
Non-distributable reserves130/1---€0.08m€0.08m€0.08m€0.08m€0.08m=
Legal reserve130---€0.08m€0.08m€0.08m€0.08m€0.08m=
Tax-exempt reserves132---€0.02m€0.02m€0.02m€0.02m€0.02m=
Profit (loss) carried forward14€0.2m€0.7m€0.6m€0.7m€0.7m€0.8m€1.0m€1.0m▲ 6.3%
Amounts payable17/49€1.9m€1.2m€1.1m€0.9m€0.8m€0.7m€0.4m€0.3m▼ 32.4%
Amounts payable after more than one year17€0.8m€0.6m€0.6m€0.5m€0.4m€0.2m€0.1m€0.05m▼ 52.5%
Financial debts170/4---€0.5m€0.4m€0.2m€0.1m€0.05m▼ 52.5%
Amounts payable within one year42/48€1.2m€0.5m€0.5m€0.4m€0.4m€0.5m€0.3m€0.2m▼ 25.5%
Current portion of amounts payable after more than one year42---€0.1m€0.1m€0.1m€0.1m€0.05m▼ 55.7%
Trade debts44€0.03m€0.02m€0.03m€0.01m€0.01m€0.04m€0.01m€0.007m▼ 37.3%
Suppliers440/4---€0.01m€0.01m€0.04m€0.01m€0.007m▼ 37.3%
Taxes, remuneration and social security45---€0.01m€0.004m€0.004m€0.002m€0.01m▲ 472%
Taxes450/3---€272€0.004m€0.004m€0.002m€0.01m▲ 472%
Remuneration and social security454/9---€0.01m-----
Other amounts payable47/48---€0.3m€0.3m€0.3m€0.2m€0.1m▼ 9.8%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€130,486€483,907-€30,857€80,928€17,997€41,961€204,804€62,104▼ 69.7%
+ Depreciation and write-downs630€78,651€59,377€59,309€58,550€58,550€58,550€50,651€50,217▼ 0.9%
Operating cash flow (approximation)€209,137€543,284€28,452€139,478€76,546€100,510€255,456€112,321▼ 56.0%
Investment in fixed assets (approximation)-€235,428€0€0€0€0€122,143€0▼ 100%
Change in cash-€56,800-€9,861€24,873-€50,556-€20,561-€23,914-€8,570▲ 64.2%

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Latest 10 of 47 filings with the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 28-08-2026 2026-00440936 NBB
31-12-2024 micro format 21-08-2025 2025-00387811 PDF
31-12-2023 micro format 30-08-2024 2024-00406988 PDF
31-12-2022 micro format 31-08-2023 2023-00395125 PDF
31-12-2021 micro format 31-08-2022 2022-20363304 PDF
31-12-2020 full format 31-08-2021 2021-65500058 PDF
31-12-2019 full format 26-10-2020 2020-62800320 PDF
31-12-2018 full format 14-08-2019 2019-46800266 PDF
31-12-2017 full format 22-08-2018 2018-49100164 PDF
31-12-2016 full format 21-08-2017 2017-45400177 PDF

Show all 47 filings

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