CHAMPA

Active

Public limited companyfounded 1995active for 31 yearsJean Jaurèslaan 40, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0456.059.851

Summary

The computed 12-month bankruptcy probability of CHAMPA is 9.2% (elevated). The 2024 annual accounts show equity of €11,420 and a net result of €9,534. Equity is growing by about 46% per year across the filed financial years. Its solvency ranks better than 44% of 3,515 sector peers (NACE 95, financial year 2024). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

CHAMPAActiveChecked score 35/100

Risk analysis Report Compare

Activity

General maintenance and repair of cars and light vans (up to 3.5 tonnes)

NACE 95311Washing and cleaning of motor vehicles NACE 95316

1 site

Size

≈ €420,000turnover 2024, estimated

Staff: ≈ 0.8 FTE, estimated
Equity: €11,420
Profit: €9,534

Turnover estimated from the gross margin

Financial health

35 Weak Checked score 2024

Bankruptcy probabilitywithin 12 months: 9.2%

Structure

ULLAH HABIBDirector
ULLAH ZAID SHUREEMDirector

2025 accounts not filed, 92 days past the deadline4 of 9 deeds summarised

Why 35raises risk2 changes of registered office in 24 monthsFigures for financial year 2024 (filed 02-10-2025)1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 1 of the last 3 latelowers riskFounded in 1995Show the evidence

Checked score

Score 2024

35 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 63% of its sector peers (NACE 95, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Average

Solvency 57+26

equity 31.5% of total assets

Liquidity 22-14

short-term debt 68.5% · cash 6.5%

Profitability 100+100

return on assets 26.3%

Bankruptcy probability, 12 months

9.2% Elevated

0%0.5%1.5%4%10%≥ 25%

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,130 companies, NACE 95, micro)

Last 24 months 11-2024: 1.5%lowest value 12-2024: 1.5%● unchanged vs 11-2024lowest value 01-2025: 4.1%▲ +2.6 percentage points vs 12-2024 02-2025: 4.1%● unchanged vs 01-2025 03-2025: 4.1%● unchanged vs 02-2025 04-2025: 4.1%● unchanged vs 03-2025 05-2025: 4.0%▼ -0.1 percentage points vs 04-2025 06-2025: 4.0%● unchanged vs 05-2025 07-2025: 4.4%▲ +0.4 percentage points vs 06-2025 08-2025: 5.3%▲ +0.9 percentage points vs 07-2025 09-2025: 6.0%▲ +0.7 percentage points vs 08-2025 10-2025: 7.9%▲ +1.9 percentage points vs 09-2025 11-2025: 3.5%▼ -4.4 percentage points vs 10-2025 12-2025: 3.5%● unchanged vs 11-2025 01-2026: 3.5%● unchanged vs 12-2025 02-2026: 3.5%● unchanged vs 01-2026 03-2026: 3.5%● unchanged vs 02-2026 04-2026: 3.6%▲ +0.1 percentage points vs 03-2026 05-2026: 3.6%● unchanged vs 04-2026 06-2026: 3.6%● unchanged vs 05-2026 07-2026: 3.8%▲ +0.2 percentage points vs 06-2026 08-2026: 5.0%▲ +1.2 percentage points vs 07-2026 09-2026: 6.0%▲ +1.0 percentage point vs 08-2026 10-2026: 9.2%▲ +3.2 percentage points vs 09-2026highest value

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.07, compared with 0.72 in 2023, below the usual 1.5; short-term debt: 68.5% and cash: 6.5% of total assets), and 68.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 41% on solvency, 15% on liquidity, 94% on profitability and 99% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

2 changes of registered office in 24 months

Belgian Official Gazette

Figures for financial year 2024 (filed 02-10-2025)

NBB · annual accounts

Founded in 1995

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 1 of the last 3 late

NBB · filings

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 92 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline31-10-2026 today

2024 accounts filed 61 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

61 days late

2023

9 days late

2022

29 days late

2021

31 days late

2020

30 days late

2019

38 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 33 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-09-2025 Annual accounts filedfinancial year 2024 · micro…
14-07-2025 Resignations: Gulam Hijvary, AMIRI Raz and…Appointments: ULLAH HABIB (director) and…
31-12-2024 Back to profitnet €9,534

Key points

Risk: 2025 accounts not fileddeadline was 31-07-2026 92 days past the deadline View
Among the largest 19% on gross marginsector median €38,823 · 3,504 companies €138,529 View
Active since 1995founded 19-09-1995 31 years View

By topic

Financials

Financial year: 2024
Total assets: €36,254
Profit: €9,534
Solvency: 31.5%

Total assets▲ 22.0%

Net result

20182024

Go to Financials

Board & ownership

Board: 2 members

ULLAH HABIBDirector
ULLAH ZAID SHUREEMDirector

Go to Board & ownership

Timeline

Events: 36
Since: 1997

13-12-2024Registered office · Capital & shares
19-08-2024Appointment: WAHEED AHMED (directeur général)
09-08-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: General maintenance and repair of cars and light…NACE 95311
Founded: 19-09-1995
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 1

See the provisions in the deeds

Go to Articles of association

Key facts about CHAMPA

What is the company number of CHAMPA?: 0456.059.851. In Belgium the VAT number is the company number with BE in front: BE 0456.059.851.
Where is CHAMPA based?: The registered office is at Jean Jaurèslaan 40, 1030 Schaarbeek.Company details
What does CHAMPA do?: According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
What is the legal form of CHAMPA?: Public limited company (NV).
When was CHAMPA founded?: On 19-09-1995.
Is CHAMPA still active?: Yes, CHAMPA is an active enterprise in the KBO register.
What is the turnover of CHAMPA?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is CHAMPA profitable?: In financial year 2024, CHAMPA made a profit of €9,534.
Where can I find the annual accounts of CHAMPA?: CHAMPA filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2024.