Chamizo Fietsen
ActiveChamizo Fietsen has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.26M and a net result of €557k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 77% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
96
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+13
Solvency100▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €310k at 30 days acceptable
Liquidity ample (current ratio 2.66 against 2.51 in 2024), and 35% 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+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
65%
Return on assets
11.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
24 d early
2023
30 d early
2022
4 d early
2021
12 d early
2020
2 d early
2019
67 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.26M▲ 0.2%
2024 · €3.25M
2018: €1.84M
2019: €1.99M
2020: €2.48M
2021: €2.63M
2022: €2.97M
2023: €3.18M
2024: €3.25M
2018 → 2025
Total assets
€5.02M▼ 3.5%
2024 · €5.20M
2018: €2.82M
2019: €3.51M
2020: €3.88M
2021: €4.51M
2022: €5.21M
2023: €4.95M
2024: €5.20M
2018 → 2025
Net result
€557k▲ 18.1%
2024 · €472k
2018: €615k
2019: €447k
2020: €889k
2021: €552k
2022: €743k
2023: €660k
2024: €472k
2018 → 2025
Working capital
€2.83M▲ 0.3%
2024 · €2.82M
2018: €1.51M
2019: €1.47M
2020: €1.96M
2021: €2.22M
2022: €2.62M
2023: €2.82M
2024: €2.82M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.63M-€2.97M▲ 13.1%€3.18M▲ 7.1%€3.25M▲ 2.3%€3.26M▲ 0.2%
Operating result€700k-€957k▲ 36.7%€859k▼ 10.3%€599k▼ 30.3%€710k▲ 18.5%
Net result€552k-€743k▲ 34.6%€660k▼ 11.2%€472k▼ 28.5%€557k▲ 18.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.02M
Fixed assets
€486k▼ 4.3%
Current assets
€4.53M▼ 3.4%
Equity and liabilities €5.02M
Equity
€3.26M▲ 0.2%
Debt
€1.76M▼ 9.6%
The debt ratio falls from 37.4% to 35.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€869k▲
2024 · €741k
Cash flow
€717k▲
2024 · €614k
Solvency
65.0%▲
2024 · 62.6%
Current ratio
2.66▲
2024 · 2.51
Quick ratio
0.80▼
2024 · 0.84
Debt / equity
0.54▼
2024 · 0.60
ROE
17.1%▲
2024 · 14.5%
ROA
11.1%▲
2024 · 9.1%
Interest coverage
40.56▲
2024 · 33.19
Debt
€1.76M▼
2024 · €1.94M
Debt ≤ 1 year
€1.70M▼
2024 · €1.87M
Debt > 1 year
€55k▼
2024 · €75k
Income taxes
€200k▲
2024 · €164k
Staff costs
€1.25M▲
2024 · €1.20M
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€5.20M€5.02M▼
Fixed assets21/28€508k€486k▼
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€500k€481k▼
Land and buildings22€213k€171k▼
Plant, machinery and equipment23€64k€61k▼
Furniture and vehicles24€196k€222k▲
Other tangible fixed assets26€27k€27k=
Financial fixed assets28€934€934=
Current assets29/58€4.69M€4.53M▼
Stocks and contracts in progress3€3.12M€3.17M▲
Stocks30/36€3.12M€3.17M▲
Amounts receivable within one year40/41€431k€502k▲
Trade receivables40€399k€454k▲
Other amounts receivable41€32k€49k▲
Current investments50/53€89k€389k▲
Cash at bank and in hand54/58€1.04M€456k▼
Deferred charges and accrued income490/1€7k€17k▲
Equity and liabilities
Total equity and liabilities10/49€5.20M€5.02M▼
Equity10/15€3.25M€3.26M▲
Contributions10/11€25k€25k=
Reserves13€3.23M€3.24M▲
Distributable reserves133€3.23M€3.24M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.94M€1.76M▼
Amounts payable after more than one year17€75k€55k▼
Financial debts170/4€75k€55k▼
Amounts payable within one year42/48€1.87M€1.70M▼
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€162k€159k▼
Suppliers440/4€162k€159k▼
Advances received on contracts in progress46€266k€266k=
Taxes, remuneration and social security45€234k€174k▼
Taxes450/3€103k€70k▼
Remuneration and social security454/9€130k€105k▼
Other amounts payable47/48€1.19M€1.08M▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1.20M€1.25M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€142k€160k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€42k
Other operating charges640/8€39k€24k▼
Gross operating margin9900€1.98M€2.19M▲
Operating profit (loss)9901€599k€710k▲
Financial income75/76B€59k€69k▲
Recurring financial income75€59k€69k▲
Financial charges65/66B€22k€21k▼
Recurring financial charges65€22k€21k▼
Profit (loss) for the period before taxes9903€636k€757k▲
Income taxes67/77€164k€200k▲
Profit (loss) for the period9904€472k€557k▲
Profit (loss) for the period to be appropriated9905€472k€557k▲
Appropriation of the result
Profit (loss) to be appropriated9906€472k€557k▲
Transfer to equity691/2€72k€7k▼
To other reserves6921€72k€7k▼
Profit to be distributed694/7€400k€550k▲
Return on contributions (dividend)694€400k€550k▲
Social balance
Average headcount (FTE)908719.821.1▲
The notes to these accounts (23 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €889k ▲99%
Operating result €1.16M, net result €889k, both a record.
31-12
Financial
Equity above €2MEq €2.48M ▲24.6%
3 profitable years in a row build equity to €2.48M.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
31-12
Financial
Weakest financial yearnet €447k ▼27.4%
Net result drops to €447k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Katelijne-Waver · 1 establishment unit since 1991
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.
Liersesteenweg 882860 Sint-Katelijne-WaverGround area
254 m²
Parcel 12422D0676/00P008, Flanders. Linked by address, not a title deed.
1 establishment unit
Liersesteenweg 88, 2860 Sint-Katelijne-Waver
since 19912.054.867.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12422D0676/00P008 | Flanders | 254 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 3,141 EUR awarded · 3,141 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,641 EUR | 2,641 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 1 endedFietshersteller (vwo)
Fietshersteller duaal (so)
Similar companies · same sector, comparable size
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LA ROUE LIBRE
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OUDE KAZERNE
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VAN EYCK C.
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Of 1,451 companies in sector 47632 we hold annual accounts for 721. 241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-1991
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47639Retail sale of other sporting goods
47640Retail trade
47785Retail trade
52482
45402
47120Other non-specialised retail sale
47830Retail sale of motorcycles and motorcycle parts and accessories
47910Retail trade
95320Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.