Champstore
ActiveSummary
Champstore has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,529) and a net result of €14,432. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 19% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▲+13
Solvency21▲+21
Growth84=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.74 in 2024; short-term debt: 102.5% and cash: 12.9% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-3.6%
Return on assets
20.5%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 11502 sector peers (2025).
NBB · sector comparisonPosition among 11502 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-12-2025, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
31 d early
2023
23 d early
2022
on the day
2021
31 d early
2020
31 d early
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€71,527▼ 20.5%
2021 · €89,927
EBIT margin
15.4%▲ 22.8pp
2021 · -7.3%
Net result
€14,432▲ 148%
2024 · €5,821
Working capital
-€5,543▲ 72.9%
2024 · -€20,430
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€89,927▲ 47.3%€71,527▼ 20.5%
Operating result-€6,604▼ 117%€11,034€2,856▼ 74.1%€7,479▲ 162%€17,137▲ 129%
Net result-€6,629below the sector's middle half▼ 118%€10,939within the sector's middle half€2,234within the sector's middle half▼ 79.6%€5,821within the sector's middle half▲ 161%€14,432within the sector's middle half▲ 148%
EBIT margin-7.3%▼ 2.4pp15.4%▲ 22.8pp
Equity-€35,954below the sector's middle half▼ 22.6%-€25,015below the sector's middle half▲ 30.4%-€22,782below the sector's middle half▲ 8.9%-€16,961below the sector's middle half▲ 25.6%-€2,529below the sector's middle half▲ 85.1%
Total assets€45,535below the sector's middle half▲ 21.3%€53,048below the sector's middle half▲ 16.5%€48,668below the sector's middle half▼ 8.3%€60,479below the sector's middle half▲ 24.3%€70,418within the sector's middle half▲ 16.4%
Debt€81,489▲ 21.9%€78,063▼ 4.2%€71,449▼ 8.5%€77,440▲ 8.4%€72,947▼ 5.8%
Working capital-€38,007below the sector's middle half▼ 20.3%-€27,613below the sector's middle half▲ 27.3%-€25,172below the sector's middle half▲ 8.8%-€20,430below the sector's middle half▲ 18.8%-€5,543within the sector's middle half▲ 72.9%
Solvency-79.0%below the sector's middle half▼ 0.8pp-47.2%below the sector's middle half▲ 31.8pp-46.8%below the sector's middle half▲ 0.3pp-28.0%below the sector's middle half▲ 18.8pp-3.6%below the sector's middle half▲ 24.5pp
Current ratio0.53below the sector's middle half▲ 0.010.65below the sector's middle half▲ 0.110.65below the sector's middle half=0.74below the sector's middle half▲ 0.090.92below the sector's middle half▲ 0.19
Return on assets (ROA)-14.6%below the sector's middle half▼ 6.5pp20.6%above the sector's middle half▲ 35.2pp4.6%within the sector's middle half▼ 16.0pp9.6%within the sector's middle half▲ 5.0pp20.5%above the sector's middle half▲ 10.9pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 129% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70,418
Fixed assets
€3,775 ▲ 8.8%
Current assets
€66,643 ▲ 16.9%
Key figures and ratios
EBITDA
€17,719▲
2024 · €7,731
Cash flow
€15,014▲
2024 · €6,073
Quick ratio
0.27▲
2024 · 0.22
Debt to equity
-28.85▼
2024 · -4.57
Interest coverage
14.04▲
2024 · 6.67
Debt ≤ 1 year
€72,186▼
2024 · €77,440
Income taxes
€1,443▲
2024 · €500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €89,927 | €71,527 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €63,942 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €561 | €189 | €207 | €252 | €582 | ▲ 131% |
| Other operating charges640/8 | - | €6,073 | €4,839 | €8,986 | €9,061 | ▲ 0.8% |
| Gross operating margin9900 | €4,194 | €17,296 | €7,902 | €16,717 | €26,780 | ▲ 60.2% |
| Operating profit (loss)9901 | -€6,604 | €11,034 | €2,856 | €7,479 | €17,137 | ▲ 129% |
| Financial income75/76B | - | - | - | €2 | €0 | ▼ 100% |
| Recurring financial income75 | €5 | - | - | €2 | €0 | ▼ 100% |
| Financial charges65/66B | - | €95 | €622 | €1,159 | €1,262 | ▲ 8.9% |
| Recurring financial charges65 | €30 | €95 | €622 | €1,159 | €1,262 | ▲ 8.9% |
| Profit (loss) for the period before taxes9903 | -€6,629 | €10,939 | €2,234 | €6,321 | €15,875 | ▲ 151% |
| Income taxes67/77 | - | - | - | €500 | €1,443 | ▲ 189% |
| Profit (loss) for the period9904 | -€6,629 | €10,939 | €2,234 | €5,821 | €14,432 | ▲ 148% |
| Profit (loss) for the period to be appropriated9905 | -€6,629 | €10,939 | €2,234 | €5,821 | €14,432 | ▲ 148% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €45,535 | €53,048 | €48,668 | €60,479 | €70,418 | ▲ 16.4% |
| Fixed assets21/28 | €2,355 | €2,598 | €2,391 | €3,469 | €3,775 | ▲ 8.8% |
| Tangible fixed assets22/27 | €1,555 | €1,798 | €1,591 | €2,669 | €2,975 | ▲ 11.5% |
| Plant, machinery and equipment23 | - | €1,662 | €1,591 | €2,669 | €2,975 | ▲ 11.5% |
| Furniture and vehicles24 | - | €136 | - | - | - | - |
| Financial fixed assets28 | €800 | €800 | €800 | €800 | €800 | = |
| Current assets29/58 | €43,180 | €50,450 | €46,277 | €57,010 | €66,643 | ▲ 16.9% |
| Stocks and contracts in progress3 | €31,658 | €37,977 | €34,052 | €40,119 | €46,859 | ▲ 16.8% |
| Stocks30/36 | - | €37,977 | €34,052 | €40,119 | €46,859 | ▲ 16.8% |
| Amounts receivable within one year40/41 | €6,396 | €7,790 | €3,439 | €8,692 | €9,847 | ▲ 13.3% |
| Trade receivables40 | - | €7,790 | €3,439 | €8,692 | €9,614 | ▲ 10.6% |
| Other amounts receivable41 | - | - | - | - | €233 | - |
| Cash at bank and in hand54/58 | €4,532 | €4,017 | €7,995 | €6,666 | €9,111 | ▲ 36.7% |
| Deferred charges and accrued income490/1 | - | €664 | €792 | €1,533 | €826 | ▼ 46.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €45,535 | €53,048 | €48,668 | €60,479 | €70,418 | ▲ 16.4% |
| Equity10/15 | -€35,954 | -€25,015 | -€22,782 | -€16,961 | -€2,529 | ▲ 85.1% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | - | - | - | €5,000 | €19,432 | ▲ 289% |
| Distributable reserves133 | - | - | - | €5,000 | €19,432 | ▲ 289% |
| Profit (loss) carried forward14 | -€54,554 | -€43,615 | -€41,382 | -€40,561 | -€40,561 | = |
| Amounts payable17/49 | €81,489 | €78,063 | €71,449 | €77,440 | €72,947 | ▼ 5.8% |
| Amounts payable within one year42/48 | €81,187 | €78,063 | €71,449 | €77,440 | €72,186 | ▼ 6.8% |
| Trade debts44 | €22,702 | €27,830 | €27,190 | €32,986 | €26,768 | ▼ 18.8% |
| Suppliers440/4 | - | €27,830 | €27,190 | €32,986 | €26,768 | ▼ 18.8% |
| Taxes, remuneration and social security45 | - | €2,193 | €4,719 | €6,565 | €6,198 | ▼ 5.6% |
| Taxes450/3 | - | €2,193 | €4,719 | €5,344 | €6,198 | ▲ 16.0% |
| Remuneration and social security454/9 | - | - | - | €1,221 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €48,040 | €39,541 | €37,890 | €39,220 | ▲ 3.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €761 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,629 | €10,939 | €2,234 | €5,821 | €14,432 | ▲ 148% |
| + Depreciation and write-downs630 | €561 | €189 | €207 | €252 | €582 | ▲ 131% |
| Operating cash flow (approximation) | -€6,068 | €11,128 | €2,441 | €6,073 | €15,014 | ▲ 147% |
| Investment in fixed assets (approximation) | - | -€432 | €0 | -€1,331 | -€888 | ▲ 33.3% |
| Change in cash | - | -€514 | €3,978 | -€1,328 | €2,445 | ▲ 284% |
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
Next filing, fiscal year 2026, expected by
2025
30-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €14,432 ▲148%
Operating result €17,137, net result €14,432, both a record.
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €10,939
Net result €10,939 after 3 loss-making years.
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
01-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Tienen · 1 establishment unit since 2011
Ground area
450 m²
Building footprint
108 m²
Volume, LiDAR
767 m³
Parcel 24035D0047/00M000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Champstore
since 20112.199.781.836
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24035D0047/00M000 | Flanders | 450 m² | 1 · 108 m² | 10.1 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTienen2.199.781.836
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,049 companies in sector 46341 we hold annual accounts for 538. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-02-2011
Fiscal year end30-06
Activities, NACEBEL 2025
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
63920Other information service activities
82990Other business support services
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0833661748
Also
9925:BE0833661748
Registered
30-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.