CHAMI
ActiveCHAMI has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.28M and a net result of €119k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+3
Solvency62=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity short (current ratio 0.33 against 0.43 in 2024; short-term debt: 50.9% and cash: 2.8% of total assets), and 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
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
36.6%
Return on assets
1.9%
Age of the figures
9 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
29 d early
2023
21 d early
2022
31 d early
2021
25 d early
2020
12 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.28M▲ 5.5%
2024 · €2.16M
2018: €838k
2019: €1.09M
2020: €1.18M
2021: €1.28M
2022: €1.40M
2023: €1.99M
2024: €2.16M
2018 → 2025
Total assets
€6.24M▲ 6.2%
2024 · €5.88M
2018: €5.05M
2019: €5.08M
2020: €4.80M
2021: €4.93M
2022: €5.00M
2023: €5.65M
2024: €5.88M
2018 → 2025
Net result
€119k▼ 30.5%
2024 · €171k
2018: €27k
2019: €250k
2020: €89k
2021: €98k
2022: €120k
2023: €106k
2024: €171k
2018 → 2025
Working capital
€-2.13M▼ 27.1%
2024 · €-1.68M
2018: €-3.77M
2019: €-2.88M
2020: €-2.69M
2021: €-2.49M
2022: €-2.23M
2023: €-1.97M
2024: €-1.68M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.28M-€1.40M▲ 9.4%€1.99M▲ 42.9%€2.16M▲ 8.6%€2.28M▲ 5.5%
Operating result€184k-€202k▲ 9.8%€198k▼ 2.0%€309k▲ 56.1%€238k▼ 23.0%
Net result€98k-€120k▲ 22.8%€106k▼ 12.1%€171k▲ 61.6%€119k▼ 30.5%
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.24M
Fixed assets
€5.20M▲ 12.4%
Current assets
€1.05M▼ 16.8%
Equity and liabilities €6.24M
Equity
€2.28M▲ 5.5%
Debt
€3.96M▲ 6.6%
The debt ratio rises from 63.2% to 63.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€474k▲
2024 · €469k
Cash flow
€355k▲
2024 · €330k
Solvency
36.6%▼
2024 · 36.8%
Current ratio
0.33▼
2024 · 0.43
Quick ratio
0.33▼
2024 · 0.43
Debt / equity
1.73▲
2024 · 1.72
ROE
5.2%▼
2024 · 7.9%
ROA
1.9%▼
2024 · 2.9%
Interest coverage
5.83▲
2024 · 5.38
Debt
€3.96M▲
2024 · €3.72M
Debt ≤ 1 year
€3.18M▲
2024 · €2.93M
Debt > 1 year
€782k=
2024 · €782k
Income taxes
€40k▼
2024 · €57k
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€5.88M€6.24M▲
Fixed assets21/28€4.62M€5.20M▲
Intangible fixed assets21-€73k
Tangible fixed assets22/27€4.59M€5.12M▲
Land and buildings22€3.50M€3.97M▲
Plant, machinery and equipment23€0€62k▲
Other tangible fixed assets26€1.09M€1.09M=
Financial fixed assets28€36k€1k▼
Current assets29/58€1.26M€1.05M▼
Amounts receivable within one year40/41€1.04M€869k▼
Trade receivables40€128k€227k▲
Other amounts receivable41€909k€642k▼
Current investments50/53€101k€0▼
Cash at bank and in hand54/58€121k€177k▲
Deferred charges and accrued income490/1-€609
Equity and liabilities
Total equity and liabilities10/49€5.88M€6.24M▲
Equity10/15€2.16M€2.28M▲
Contributions10/11€772k€772k=
Reserves13€1.39M€1.51M▲
Tax-exempt reserves132€4k€4k=
Distributable reserves133€1.39M€1.50M▲
Investment grants15€2k€2k=
Amounts payable17/49€3.72M€3.96M▲
Amounts payable after more than one year17€782k€782k=
Other amounts payable178/9€782k€782k=
Amounts payable within one year42/48€2.93M€3.18M▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€31k€34k▲
Taxes450/3€31k€34k▲
Other amounts payable47/48€2.90M€3.14M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€160k€236k▲
Other operating charges640/8€23k€35k▲
Gross operating margin9900€492k€509k▲
Operating profit (loss)9901€309k€238k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€87k€81k▼
Recurring financial charges65€87k€81k▼
Profit (loss) for the period before taxes9903€227k€158k▼
Income taxes67/77€57k€40k▼
Profit (loss) for the period9904€171k€119k▼
Profit (loss) for the period to be appropriated9905€171k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€171k€119k▼
Transfer to equity691/2€171k€119k▼
To other reserves6921€171k€119k▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €2MEq €2.16M ▲8.6%
7 profitable years in a row build equity to €2.16M.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €250k ▲828%
Operating result €327k, net result €250k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲29.9%
2 profitable years in a row build equity to €1.09M.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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
7 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, Roeselare
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.
Regenbeekstraat 178800 RoeselareGround area
1.3 ha
Building footprint
373 m²
Volume, LiDAR
2,427 m³
Parcel 36017A0230/00H000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017A0230/00H000 | Flanders | 1.3 ha | 1 · 373 m² | 7.0 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
Vivag Invest
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SOCIETE FORESTIERE DE LESBIOLES
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STIV
BE 0735.737.278
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P EN K GORA
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Of 3,765 companies in sector 68321 we hold annual accounts for 1,390. 619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2009
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.