CHAMIL COMPANY

Active

Private limited companyfounded 20215 yrs activeRue Elva 260, 4400 Flémalle, BelgiumKBO/BCE: BE 0764.346.043

The computed 12-month bankruptcy probability of CHAMIL COMPANY is 3.6% (moderate). The 2024 annual accounts show equity of €23k and a net result of €-7k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 38% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

53 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability56▼-21

Solvency61▼-2

Growth52=

Track record94

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.43 against 1.42 in 2023; short-term debt: 59.5% and cash: 31.2% of total assets), and 63.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

36.1%

Return on assets

-10.3%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

77 d late

2023

58 d late

2022

31 d late

2021

29 d late

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Equity

€23k▼ 22.3%

2023 · €30k

2021: €17k 2022: €25k 2023: €30k

2021 → 2024

Total assets

€65k▼ 18.0%

2023 · €79k

2021: €37k 2022: €68k 2023: €79k

2021 → 2024

Net result

€-7k

2023 · €5k

2021: €15k 2022: €8k 2023: €5k

2021 → 2024

Working capital

€17k▼ 11.0%

2023 · €19k

2021: €16k 2022: €15k 2023: €19k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€17k-€25k▲ 44.5%€30k▲ 20.9%€23k▼ 22.3%

Operating result€21k-€11k▼ 45.7%€9k▼ 20.4%€-7k

Net result€15k-€8k▼ 49.7%€5k▼ 32.1%€-7k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €7k after €9k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €65k

14.9%

85.1%

Fixed assets €10k▼ 41.5%

Current assets €55k▼ 11.8%

Equity and liabilities €65k

36.1%

63.9%

Equity €23k▼ 22.3%

Debt €41k▼ 15.4%

The debt ratio rises from 61.9% to 63.9%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€1k▼

2023 · €15k

Cash flow

€1k▼

2023 · €12k

Solvency

36.1%▼

2023 · 38.1%

Current ratio

1.43▲

2023 · 1.42

Quick ratio

1.43▲

2023 · 1.42

Debt / equity

1.77▲

2023 · 1.62

ROE

-28.6%▼

2023 · 17.3%

ROA

-10.3%▼

2023 · 6.6%

Interest coverage

6.96▼

2023 · 11.65

Debt

€41k▼

2023 · €49k

Debt ≤ 1 year

€38k▼

2023 · €44k

Debt > 1 year

€3k▼

2023 · €5k

Staff costs

€9k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€79k€65k▼

Fixed assets21/28€16k€10k▼

Tangible fixed assets22/27€16k€10k▼

Plant, machinery and equipment23€1k€831▼

Furniture and vehicles24€15k€9k▼

Current assets29/58€62k€55k▼

Amounts receivable after more than one year29€23k€23k▲

Other amounts receivable291€23k€23k▲

Amounts receivable within one year40/41€29k€12k▼

Trade receivables40€24k€6k▼

Other amounts receivable41€5k€6k▲

Cash at bank and in hand54/58€7k€20k▲

Deferred charges and accrued income490/1€4k-

Equity and liabilities

Total equity and liabilities10/49€79k€65k▼

Equity10/15€30k€23k▼

Contributions10/11€2k€2k=

Reserves13€28k€28k=

Distributable reserves133€28k€28k=

Profit (loss) carried forward14€434€-6k▼

Amounts payable17/49€49k€41k▼

Amounts payable after more than one year17€5k€3k▼

Financial debts170/4€5k€3k▼

Amounts payable within one year42/48€44k€38k▼

Current portion of amounts payable after more than one year42€2k€2k▼

Trade debts44€29k€24k▼

Suppliers440/4€29k€24k▼

Taxes, remuneration and social security45€8k€13k▲

Taxes450/3€7k€5k▼

Remuneration and social security454/9€250€8k▲

Other amounts payable47/48€4k-

Income statement Code20232024

Remuneration, social security and pensions62-€9k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲

Other operating charges640/8€2k€5k▲

Gross operating margin9900€18k€16k▼

Operating profit (loss)9901€9k€-7k▼

Financial income75/76B€1€16▲

Recurring financial income75€1€16▲

Financial charges65/66B€1k€193▼

Recurring financial charges65€1k€193▼

Profit (loss) for the period before taxes9903€8k€-7k▼

Income taxes67/77€3k-

Profit (loss) for the period9904€5k€-7k▼

Profit (loss) for the period to be appropriated9905€5k€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€5k€-6k▼

Profit (loss) brought forward from the previous period14P€239€434▲

Transfer to equity691/2€5k-

To other reserves6921€5k-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

2025

16-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 77 days late

2024

31-12

Financial Weakest financial yearnet €-7k ▼229%

Net result drops to €-7k, the lowest in the series.

27-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 58 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Flémalle · 1 establishment unit since 2021

establishment approximate The establishment unit on the map

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 Elva 2604400 Flémalle

Ground area

583 m²

Building footprint

310 m²

Volume, LiDAR

1,956 m³

2 parcels, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

CHAMIL COMPANY

rue Vanden Sande 32, 4450 JuprelleSite preparation

since 20212.314.648.543

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62036B0753/00N000	Wallonia	409 m²	1 · 248 m²	9.6 m · 2 fl.
62062A0163/00W000	Wallonia	174 m²	1 · 62 m²	8.0 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

TERRASSEMENT CONSTRUCTION LEMAIRE PASCAL

VERDEBO GRAAF- EN AFBRAAKWERKEN

BE 0650.741.722

Moorslede · Eq €23k

LANDBOUWWERKEN & AANNEMINGEN VAN DEN BROECK KENNY

BE 0778.349.378

Lokeren · Eq €23k

Of 8,452 companies in sector 43120 we hold annual accounts for 3,231. 2,066 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-02-2021

Fiscal year end31-12

Activities, NACEBEL

43120Site preparation

43990Other specialised construction activities

43995Specialised construction activities

43230Insulation installation

43240Other construction installation

43291Specialised construction activities

43299Specialised construction activities

43350Other building finishing work

43999Specialised construction activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.