CHAMPA SOLUTIONS
ActiveCHAMPA SOLUTIONS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €48k. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.32 in 2024; short-term debt: 48.9% and cash: 43.4% of total assets), but 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
42%
Return on assets
39.8%
Age of the figures
9 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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
5 d early
2022
3 d early
2021
32 d early
2020
24 d late
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 34.7%
2024 · €78k
2019: €5k
2020: €5k
2021: €13k
2022: €23k
2023: €41k
2024: €78k
2019 → 2025
Total assets
€122k▲ 6.6%
2024 · €114k
2019: €5k
2020: €5k
2021: €36k
2022: €54k
2023: €68k
2024: €114k
2019 → 2025
Net result
€48k▼ 21.5%
2024 · €62k
2019: €-2k
2020: €1
2021: €8k
2022: €35k
2023: €27k
2024: €62k
2019 → 2025
Working capital
€42k▼ 11.9%
2024 · €47k
2021: €6k
2022: €14k
2023: €35k
2024: €47k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€23k▲ 73.7%€41k▲ 78.6%€78k▲ 92.6%€51k▼ 34.7%
Operating result€12k-€42k▲ 264%€35k▼ 18.0%€80k▲ 130%€63k▼ 20.7%
Net result€8k-€35k▲ 310%€27k▼ 21.2%€62k▲ 126%€48k▼ 21.5%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€20k▼ 34.1%
Current assets
€101k▲ 21.8%
Equity and liabilities €122k
Equity
€51k▼ 34.7%
Debt
€71k▲ 97.1%
The debt ratio rises from 31.4% to 58.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▼
2024 · €92k
Cash flow
€62k▼
2024 · €74k
Solvency
42.0%▼
2024 · 68.6%
Current ratio
1.70▼
2024 · 2.32
Quick ratio
1.70▼
2024 · 2.32
Debt / equity
1.38▲
2024 · 0.46
ROE
94.6%▲
2024 · 78.7%
ROA
39.8%▼
2024 · 54.0%
Interest coverage
571.44▲
2024 · 516.37
Debt
€71k▲
2024 · €36k
Debt ≤ 1 year
€60k▲
2024 · €36k
Debt > 1 year
€11k
Income taxes
€15k▼
2024 · €18k
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€114k€122k▲
Fixed assets21/28€31k€20k▼
Tangible fixed assets22/27€31k€20k▼
Furniture and vehicles24€31k€20k▼
Current assets29/58€83k€101k▲
Amounts receivable within one year40/41€45k€48k▲
Trade receivables40€28k€22k▼
Other amounts receivable41€17k€26k▲
Cash at bank and in hand54/58€38k€53k▲
Equity and liabilities
Total equity and liabilities10/49€114k€122k▲
Equity10/15€78k€51k▼
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€56k€29k▼
Amounts payable17/49€36k€71k▲
Amounts payable after more than one year17-€11k
Other amounts payable178/9-€11k
Amounts payable within one year42/48€36k€60k▲
Trade debts44€1k€596▼
Suppliers440/4€1k€596▼
Taxes, remuneration and social security45€24k€35k▲
Taxes450/3€24k€35k▲
Other amounts payable47/48€11k€24k▲
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€191€231▲
Gross operating margin9900€92k€77k▼
Operating profit (loss)9901€80k€63k▼
Financial income75/76B€422€348▼
Recurring financial income75€422€348▼
Financial charges65/66B€178€134▼
Recurring financial charges65€178€134▼
Profit (loss) for the period before taxes9903€80k€63k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€62k€48k▼
Profit (loss) for the period to be appropriated9905€62k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€105k▲
Profit (loss) brought forward from the previous period14P€21k€56k▲
Transfer to equity691/2€3k-
To the legal reserve6920€3k-
Profit to be distributed694/7€24k€76k▲
Return on contributions (dividend)694€24k€76k▲
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €62k ▲126%
Operating result €80k, net result €62k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €1
Net result €1 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nivelles · 1 establishment unit since 2018
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 Abbé-Goffin 11404 NivellesGround area
1,374 m²
Building footprint
110 m²
Volume, LiDAR
811 m³
Parcel 25011B0086/00E000, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHAMPA SOLUTIONS
since 20182.283.098.601
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25011B0086/00E000 | Wallonia | 1,374 m² | 1 · 110 m² | 9.7 m · 3 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
Xsander
BE 0802.148.725
Kapellen · Eq €51k
Go Health
BE 0795.741.181
Mechelen · Eq €51k
COMPAGNIE DES SERVICES
BE 0445.615.327
Mouscron · Eq €51k
KAIROS CONSULTING
BE 1017.702.422
Sint-Katelijne-Waver · Eq €51k
Nazka Mapps
BE 0500.452.197
Boortmeerbeek · Eq €51k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 6,906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
62900Other information technology and computer services
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.