CHAMIVA
ActiveSummary
CHAMIVA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20k and a net result of €653. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability70=
Solvency65▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.82 in 2023; short-term debt: 60.1% of total assets), and 60.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · 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 2024Solvency, return and age of the figures
Solvency
39.9%
Return on assets
1.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
37 d early
2022
40 d early
2021
27 d early
2020
40 d early
2019
15 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€20k▲ 3.3%
2023 · €20k
Total assets
€51k▼ 11.0%
2023 · €57k
Net result
€653▼ 70.8%
2023 · €2k
Working capital
€730
2023 · €-7k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€7k▼ 28.6%€3k▼ 55.1%€2k▼ 41.9%€4k▲ 98.4%€2k▼ 43.0%
Net result€3k▼ 46.8%€2k▼ 46.9%€556▼ 66.2%€2k▲ 301%€653▼ 70.8%
Equity€28k▲ 128%€29k▲ 6.0%€30k▲ 1.9%€20k▼ 34.0%€20k▲ 3.3%
Total assets€55k▲ 19.3%€35k▼ 35.8%€43k▲ 22.1%€57k▲ 32.2%€51k▼ 11.0%
Debt€28k▼ 19.2%€6k▼ 77.5%€13k▲ 117%€37k▲ 179%€31k▼ 18.5%
Working capital€38k▲ 69.9%€29k▼ 22.2%€30k▲ 1.9%€-7k€730
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 43% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €51k
Fixed assets
€20k ▼ 25.9%
Current assets
€31k ▲ 1.8%
Equity and liabilities €51k
Equity
€20k ▲ 3.3%
Debt
€31k ▼ 18.5%
Debt's share of the balance-sheet total falls from 65.6% to 60.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2023 · €5k
Cash flow
€8k▲
2023 · €3k
Current ratio
1.02▲
2023 · 0.82
Quick ratio
0.68▼
2023 · 0.81
Debt to equity
1.50▼
2023 · 1.91
ROE
3.2%▼
2023 · 11.4%
ROA
1.3%▼
2023 · 3.9%
Interest coverage
7.97▲
2023 · 5.58
Debt ≤ 1 year
€31k▼
2023 · €37k
Income taxes
€413▼
2023 · €764
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €976 | €7k | ▲ 602% |
| Other operating charges640/8 | - | €174 | €62 | €299 | €272 | ▼ 9.2% |
| Gross operating margin9900 | €8k | €4k | €2k | €5k | €9k | ▲ 81.5% |
| Operating profit (loss)9901 | €7k | €3k | €2k | €4k | €2k | ▼ 43.0% |
| Financial charges65/66B | - | €1k | €1k | €868 | €1k | ▲ 30.9% |
| Recurring financial charges65 | €1k | €1k | €1k | €868 | €1k | ▲ 30.9% |
| Profit (loss) for the period before taxes9903 | €6k | €2k | €707 | €3k | €1k | ▼ 64.4% |
| Income taxes67/77 | €3k | €436 | €151 | €764 | €413 | ▼ 45.9% |
| Profit (loss) for the period9904 | €3k | €2k | €556 | €2k | €653 | ▼ 70.8% |
| Profit (loss) for the period to be appropriated9905 | €3k | €2k | €556 | €2k | €653 | ▼ 70.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €55k | €35k | €43k | €57k | €51k | ▼ 11.0% |
| Fixed assets21/28 | - | - | - | €26k | €20k | ▼ 25.9% |
| Tangible fixed assets22/27 | - | - | - | €26k | €20k | ▼ 25.9% |
| Furniture and vehicles24 | - | - | - | €26k | €20k | ▼ 25.9% |
| Current assets29/58 | €55k | €35k | €43k | €31k | €31k | ▲ 1.8% |
| Stocks and contracts in progress3 | €429 | €429 | €464 | €399 | €10k | ▲ 2,522% |
| Stocks30/36 | - | €429 | €464 | €399 | €10k | ▲ 2,522% |
| Amounts receivable within one year40/41 | €52k | €33k | €42k | €29k | €18k | ▼ 38.0% |
| Trade receivables40 | - | €17k | €28k | €22k | €17k | ▼ 21.1% |
| Other amounts receivable41 | - | €16k | €13k | €7k | €396 | ▼ 94.1% |
| Cash at bank and in hand54/58 | €872 | €872 | - | - | - | - |
| Deferred charges and accrued income490/1 | - | €2k | €1k | €2k | €3k | ▲ 97.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €55k | €35k | €43k | €57k | €51k | ▼ 11.0% |
| Equity10/15 | €28k | €29k | €30k | €20k | €20k | ▲ 3.3% |
| Contributions10/11 | - | €19k | €19k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €7k | €9k | €9k | €12k | €12k | ▲ 5.7% |
| Amounts payable17/49 | €28k | €6k | €13k | €37k | €31k | ▼ 18.5% |
| Amounts payable after more than one year17 | €10k | - | - | - | - | - |
| Amounts payable within one year42/48 | €18k | €6k | €13k | €37k | €31k | ▼ 18.5% |
| Financial debts43 | - | €5k | €11k | €3k | €3k | ▲ 12.9% |
| Credit institutions430/8 | - | €5k | €11k | €3k | €3k | ▲ 12.9% |
| Trade debts44 | €5k | €1k | €3k | €2k | €1k | ▼ 36.6% |
| Suppliers440/4 | - | €1k | €3k | €2k | €1k | ▼ 36.6% |
| Taxes, remuneration and social security45 | - | - | €151 | €3k | €3k | ▼ 16.2% |
| Taxes450/3 | - | - | €151 | €3k | €3k | ▼ 16.2% |
| Other amounts payable47/48 | - | - | - | €29k | €23k | ▼ 20.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €2k | €556 | €2k | €653 | ▼ 70.8% |
| + Depreciation and write-downs630 | - | - | - | €976 | €7k | ▲ 602% |
| Operating cash flow (approximation) | €3k | €2k | €556 | €3k | €8k | ▲ 134% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €0 | - | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
04-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Genk · 1 establishment unit since 2004
Ground area
1,221 m²
Building footprint
197 m²
Volume, LiDAR
1,318 m³
Parcel 71308A0816/00P079, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pastificio Antonio
since 20042.138.606.510
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71308A0816/00P079 | Flanders | 1,221 m² | 1 · 197 m² | 13.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 20,028 companies in sector 43320 we hold annual accounts for 9,133. 6,127 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-07-2004
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.