CHAMPIA IMMO
ActiveSummary
CHAMPIA IMMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+31
Solvency25▲+2
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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
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 68
Relative position
BE, all sectors
reference
Sector 68
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
0.3%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 14079 sector peers (2025).
NBB · sector comparisonPosition among 14079 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
54 d late
2023
30 d late
2022
59 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k
2024 · €-8k
2022: €-136
2023: €-326
2024: €-8k
2022 → 2025
Total assets
€411k▼ 1.7%
2024 · €418k
2022: €440k
2023: €436k
2024: €418k
2022 → 2025
Net result
€9k
2024 · €-8k
2022: €-3k
2023: €-190
2024: €-8k
2022 → 2025
Working capital
€-63k▼ 0.9%
2024 · €-63k
2022: €-36k
2023: €-45k
2024: €-63k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-136-€-326▼ 139%€-8k▼ 2,349%€1k
Operating result€10k-€6k▼ 38.9%€-2k€15k
Net result€-3k-€-190▲ 92.8%€-8k▼ 3,938%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €411k
Fixed assets
€399k ▼ 3.0%
Current assets
€12k ▲ 80.5%
Equity and liabilities €411k
Equity
€1k
Debt
€410k
Debt finances 99.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€27k▲
2024 · €11k
Cash flow
€22k▲
2024 · €5k
Current ratio
0.16▲
2024 · 0.09
ROE
706.4%
ROA
2.3%▲
2024 · -1.8%
Interest coverage
4.99▲
2024 · 1.81
Debt ≤ 1 year
€75k▲
2024 · €69k
Debt > 1 year
€335k▼
2024 · €357k
A ratio outside any meaningful range has been withheld (balance sheet total €411k, equity €1k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€418k€411k▼
Fixed assets21/28€412k€399k▼
Tangible fixed assets22/27€412k€399k▼
Land and buildings22€412k€399k▼
Current assets29/58€6k€12k▲
Amounts receivable within one year40/41€6k€12k▲
Trade receivables40€6k€12k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€27€73▲
Equity and liabilities
Total equity and liabilities10/49€418k€411k▼
Equity10/15€-8k€1k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-10k€-1k▲
Amounts payable17/49€426k€410k▼
Amounts payable after more than one year17€357k€335k▼
Financial debts170/4€270k€248k▼
Other amounts payable178/9€88k€88k=
Amounts payable within one year42/48€69k€75k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€0€323▲
Suppliers440/4€0€323▲
Taxes, remuneration and social security45€483€2k▲
Taxes450/3€483€2k▲
Other amounts payable47/48€47k€51k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€14k€31k▲
Operating profit (loss)9901€-2k€15k▲
Financial income75/76B-€8
Recurring financial income75-€8
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-8k€9k▲
Profit (loss) for the period9904€-8k€9k▲
Profit (loss) for the period to be appropriated9905€-8k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-1k▲
Profit (loss) brought forward from the previous period14P€-3k€-10k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wanze · 1 establishment unit since 2021
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.
Chaussée de Wavre(WAN) 2704520 WanzeGround area
2,714 m²
Building footprint
571 m²
Parcel 61042B0881/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CHAMPIA IMMO
since 20212.327.142.143
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61042B0881/00L000 | Wallonia | 2,714 m² | 1 · 571 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.
Similar companies · same sector, comparable size
MERKBEL
BE 0841.583.777
Geel · Eq €1,198
KESEF
BE 0808.304.166
Brussel · Eq €1,607
Immo WWI
BE 0837.088.620
Beauvechain · Eq €1,073
REUL SPORT ORGANISATION
BE 0756.778.558
Dison · Eq €908
ARCADA
BE 0812.319.867
Wuustwezel · Eq €657
Of 587 companies in sector 68204 we hold annual accounts for 317. 16 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68204Real estate activities
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
71111Activities of building architects
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.