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CHAMPY-CODE

Active Public limited companyfounded 2004active for 22 yearsQuai des Vicinaux 30, 7500 TournaiKBO/BCE: BE 0865.377.778
CHAMPY-CODE
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Overview

Lifetime

19 annual accounts with figures on one time axis, 21 filings since 2005
peak €241,101 (2020)
€159,330▼ 5.2%
lowest -€46,591 (2021)
-€19,986▲ €5,295
peak €518,866 (2020)
€397,710▼ 4.8%
€1.5m▼ 20.0%
peak 0 FTE (2023)
0 FTE 
Board3 names since 2020
3 directorsEddy Devos and 2 others
Documentsfilings and deeds
02-02-20262 days late
2025financial year
Loss of €19,986Debts from €1.9m to €1.5m

Key points

from the 2025 annual accounts

Losses

-€121,156 in five years
-46,5912021-21,7492022-7,5482023-25,2812024-19,9862025

Every financial year from 2021 to 2025 closed with a loss. 2021 was the heaviest.

Debts

€1.5m 75% of the balance sheet
Financial debts 31%Suppliers 0%Taxes and wages 1%Other 68%

Of this, €1.3m falls due within a year.

Filings

21 annual accounts since 2005
deadline20052010201520202025

Ten of the last ten came late. The 2016 accounts came latest: 28 days after the end of the period.

Checked score

91
Excellent
Financially stronger than 30% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: 0.3%▲ +0.1 percentage points vs 01-2025highest value 03-2025: 0.1%▼ -0.2 percentage points vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025lowest value 06-2025: 0.1%● unchanged vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025lowest value 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.2%▲ +0.1 percentage points vs 12-2025 02-2026: 0.3%▲ +0.1 percentage points vs 01-2026 03-2026: 0.1%▼ -0.2 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Weak

45+2equity 20.2% of total assets
17+1short-term debt 64.4% · cash 1.0%
36+2return on assets -1.0%

Score breakdown

raises risk
Liquidity: current ratio 0.23, cash €20,334
lowers risk
Size: total assets €2.0m
Legal form: public limited company
Figures for financial year 2025 (filed on 02-02-2026)
Calculation

The band follows from the bankruptcy probability. 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 68, micro). It does better than 40% of them on solvency, 15% on liquidity, 32% on profitability and 34% on growth.

The bankruptcy probability was computed on 10-11-2026 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.

The probability rests on the annual accounts with balance sheet date 30-06-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

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

Comparable companies, two years later

In July 2024, 2,507 companies had the same profile as CHAMPY-CODE has now. Each dot stands for 7 companies, two years later.

96.4%
were still trading
1.8%
stopped another way
1.6%
went bankrupt
  • Small
  • 20 years or older
  • solvency 10 to 30%
  • a small loss

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of CHAMPY-CODE itself is lower: 0.1% within 12 months. It rests on far more data about CHAMPY-CODE than the profile alone.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 2,507 companies, not a prediction for CHAMPY-CODE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €35,000 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.23 (0.3 in 2024), below 1. Short-term debt is 64.4% and cash 1% of total assets. 79.8% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €2.0m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.23, cash €20,334
NBB · annual accounts
lowers risk · Legal form: public limited company
KBO
lowers risk · Figures for financial year 2025 (filed on 02-02-2026)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€19,986
raises risk · 2025 accounts filed 2 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 days late
2024
27 days late
2023
2 days late
2022
6 days late
2021
10 days late
2020
9 days late
2019
18 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 6 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end11-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

ED
Eddy Devos
Managing director
JG
Jean-Guillaume Devos
Managing director
LC
Lucette Collet
Director, since 04-12-2020

Shares in 1 company, INCOGIM

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0865377778
Amendment of the articles General meeting of 26-09-2023 · Gazette deed
1 director appointed Jean-Guillaume Devos (managing director) · Permanent representatives: Jean-Guillaume Devos and Eddy Devos · Board meeting of 03-12-2021 · Gazette deed
3 directors reappointed Eddy Devos (managing director), Lucette Collet and Jean-Guillaume Devos · General meeting of 04-12-2020 · Gazette deed
All 35 events

Comparable companies

same main activity, similar in size and age
Company
CHAMPY-CODE Tournai €2.0m €159,330 20.2% 0
MBK-INVEST Erpe-Mere €2.8m €200,350 52.7% 0
CORBEAU DEVELOPMENT SERVICES Ostend €1.7m €212,374 30.9% 0
ERIBO - VASTGOED Waregem €1.3m €159,978 30.2% 0
VUKO Erpe-Mere €2.6m €141,767 18.1% 0
FITFORYOU Herent €1.5m €147,229 44.2% 0.1
LIFE PROPERTIES Uccle €2.0m €271,707 18.2% 0

These companies have the same main activity as CHAMPY-CODE: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1.3m and €2.8m, founded between 2001 and 2009.

Official details

Source: KBO
Status
Active since 18-05-2004Normal situation
Activity
Real estate agency activitiesNACE 68310and 2 others
Establishment unit
2.137.791.6117500 Tournai, since 14-05-2004
Financial year end
30 June
Peppol
Reachable since 21-10-2026
Company details

Annual accounts to 30-06-2025

€159,330▼ 5.2%
≈ €280,000estimated
€19,986▼ 20.9%
€397,710▼ 4.8%
€2.0m▼ 16.7%
Filing
Filed on 02-02-2026
Financials

Insights on CHAMPY-CODE

CHAMPY-CODE has existed since 2004. In 2008 the gross margin rose from €72,942 to €204,220.

In January 2022, the Official Gazette published the appointment of Jean-Guillaume Devos as managing director.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

full format, filed on 02-02-2026, 2 days late
€159,330
▼ 5.2%
€34,442
▼ 10.9%
-€19,986
▲ €5,295
-€979,506
▲ €111,644
20.2%
▲ 2.5 percentage points
0.23
▼ 0.08

The turnover shown is an estimate from the gross margin.

Turnover ≈ €280,000. Estimated: probably between €220,000 and €430,000.

Balance sheet

balance sheet total €2.0m on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

20.2%

Higher than 33% of 5,812 companies in 2025.

0.23

Higher than 17% of 5,563 companies in 2025.

-1.0%

Higher than 29% of 5,786 companies in 2025.

CHAMPY-CODE Middle half of the sector 80% of the sector Full accounts in real estate (NACE 68)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter · Staff: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820172016201520142013201220112010200920082007
Balance sheet: assets
20/58 2.0m2.4m2.8m2.8m2.9m2.7m2.9m2.2m2.3m2.2m1.8m1.9m1.7m1.9m1.5m1.4m1.6m1.4m1.2m
21/28 1.7m1.9m1.9m2.0m2.0m1.6m1.7m1.5m1.6m1.4m1.3m1.4m1.4m1.6m1.3m1.1m1.2m1.1m614,723
22/27 1.7m1.8m1.9m2.0m2.0m1.6m1.7m1.5m1.6m1.4m1.3m1.4m1.4m1.6m1.3m1.1m1.2m1.1m613,547
22 1.6m1.7m1.8m1.9m2.0m1.5m1.6m1.4m1.5m1.4m1.3m1.4m1.4m1.5m1.3m1.1m1.1m1.1m588,190
23 16,40626,58737,16848,46160,11271,76274,86368,31876,94130,25814,6439,56811,36314,4466,8309,28814,64520,00125,357
24 --02,2754,6777,079----158315473631-----
25 17,62525,90534,184----------------
28 17,673117,6731731731731731,1761,1761,1761,1761,1761,1761,1761,1761,1761,1761,1761,1761,176
29/58 287,672474,807870,849835,680900,5341.1m1.3m736,011781,782786,370541,637450,744300,324323,558242,807244,171427,780355,835605,072
3 43,97472,97737,363241,305147,551400,981684,5461,04416,86489,997121,082158,195158,195188,865158,195193,554193,554193,554530,943
30/36 43,97472,97737,363241,305147,551400,981684,5461,04416,86489,997121,082158,195158,195188,865158,195193,554193,554193,554530,943
40/41 208,710363,150770,000542,225698,128619,860537,219703,708740,277660,065373,001225,23492,986114,41168,68732,774219,250150,77563,250
40 18,15018,15030,00027,22528,128119,86065,00048,80815,00010,000116,657101,77441,55270,29625,37532,77466,75068,27563,250
41 190,560345,000740,000515,000670,000500,000472,219654,900725,277650,065256,344123,46051,43444,11543,312-152,50082,500-
54/58 20,33420,64334,23129,86335,80032,20412,32417,13511,02322,98216,49650,18122,8965,7104,7604,1622,3202,8372,555
490/1 14,65518,03729,25522,28719,05416,38116,68514,12413,61813,32631,05717,13326,24714,57211,16513,68212,6568,6698,325
Balance sheet: equity and liabilities
10/49 2.0m2.4m2.8m2.8m2.9m2.7m2.9m2.2m2.3m2.2m1.8m1.9m1.7m1.9m1.5m1.4m1.6m1.4m1.2m
10/15 397,710417,697442,978450,526472,275518,866430,646455,613441,385430,257420,226350,439258,084180,573153,168153,229143,089141,355122,301
10/11 126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,238126,238126,238126,238126,238
10 126,500126,500126,500126,500---------------
100 126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,500126,238126,238126,238126,238126,238
13 271,210291,197316,478324,026345,775392,366304,146329,113314,885303,757293,726223,939131,58454,07326,93026,99116,85115,117762
130/1 12,65012,65012,65012,65012,65012,650-------------
130 12,65012,65012,65012,65012,65012,65012,65012,65012,65012,65012,65012,65012,65012,65012,62412,62412,62412,6247
132 166,123174,195182,266190,338198,409254,372195,347201,343206,654217,795204,518155,31176,48813,500-----
133 92,437104,352121,562121,038134,715125,34496,149115,12095,58273,31276,55855,97842,44627,92314,30614,3674,2272,493754
14 -------------------4,699
16 85,54089,69793,85398,009102,165106,32175,92879,01681,75087,48780,65189,88252,43410,000-----
160/5 -----------26,00020,00010,000-----
168 85,54089,69793,85398,009102,165106,32175,92879,01681,75087,48780,65163,88232,434------
17/49 1.5m1.9m2.2m2.2m2.4m2.0m2.4m1.7m1.8m1.7m1.3m1.4m1.4m1.7m1.4m1.2m1.4m1.3m1.1m
17 204,989276,361353,536404,801486,713436,661506,762371,012498,790448,203556,846660,849487,703568,223472,752360,591427,940402,431443,454
170/4 204,989276,361353,536404,801486,713436,661506,762371,012498,790448,203556,846660,849487,703568,223472,752360,591427,940402,431443,454
42/48 1.3m1.6m1.9m1.8m1.9m1.6m1.9m1.3m1.3m1.2m765,116760,849918,3901.1m874,485857,3181.0m875,149640,446
42 71,37277,17585,07381,913130,59997,454142,091127,778127,587111,578107,004104,64983,187101,90080,95367,34964,97759,23344,955
43 250,000250,000250,000448,708388,969636,134934,678374,401288,733305,000125,000225,000385,000488,483583,000641,064643,978643,352280,000
430/8 250,000250,000250,000448,708388,969636,134934,678374,401288,733305,000125,000225,000385,000488,483583,000641,064643,978643,352280,000
44 1,5631,5233,0309,02614,3008684,326-78,8115286014,36129,0673,14619,1944,53833,26817,2814,226
440/4 1,5631,5233,0309,02614,3008684,326-78,8115286014,36129,0673,14619,1944,53833,26817,2814,226
45 19,34120,97921,94728,74632,51415,33924,05132,78134,20913,14434,17118,84219,38226,7919,92214,69531,33621,78411,115
450/3 19,34120,97921,94720,34614,51415,3396,05123,78119,20913,14416,17114,51016,38220,7915,4737,24617,88721,7848,115
454/9 --08,40018,000018,0009,00015,000-18,0004,3323,0006,0004,4497,44913,449-3,000
47/48 924,9031.2m1.5m1.3m1.3m834,528826,382769,198790,602797,356498,340407,996401,753495,122181,415129,672229,172133,498300,150
492/3 10,83811,7089,39365010,4835,0072,2331,9401,1292,4237,0154,5215,03613,5697,87120,81318,05524,49913,594
Income statement
76A 05,86511,22515,2875,436104,7892,81710,0824,72932,63951,705102,69299,39878,61749,831----
9900 159,330168,015169,379145,840116,990241,101148,194123,380160,127110,125121,643174,113139,359117,91972,56098,589119,062204,22072,942
630 108,029111,128110,200105,392102,39366,363131,70556,23791,81973,91344,88779,29842,12462,12471,11732,39652,03897,74030,697
635/8 -----------26,0006,00010,00010,000-----
640/8 16,85918,22122,26214,80015,95716,25511,51611,59313,66510,1749,4758,53910,2416,6011,5285,0392,2493,1523,413
66A --00---------------
9901 34,44238,66636,91725,648-1,360158,4834,97355,55054,64426,03993,28180,27676,99439,194-8661,15364,775103,32838,832
75/76B 13,64116,86927,98416,36917,18114,01317,41918,90018,27716,7235,1492,6141,3801,4427031,0082,30868606
75 13,64116,86927,98416,36917,18114,01317,41918,90018,27716,7235,1492,6141,3801,4427031,0082,30868606
65/66B 62,78573,71564,22360,57257,90848,12147,77753,98858,96855,22357,73255,00062,92361,49250,50848,33564,68267,68140,683
65 62,78573,71564,22360,57257,90848,12147,77753,98858,96855,22357,73255,00062,92361,49250,50848,33564,68267,68140,683
9903 -14,702-18,180679-18,555-42,086124,376-25,38420,46213,95320,17892,402130,582114,84957,761-6013,8262,40135,715-1,244
780 4,1564,1564,1564,156---------------
67/77 9,44011,25712,3837,3508,6615,7622,6708,9698,5613,3105,8476,7794,9045,28213,6876676,661612
9904 -19,986-25,281-7,548-21,749-46,59188,220-24,96714,22811,12910,03169,78692,35577,51152,479-6110,1401,73429,054-1,856
789 8,0728,0728,0728,07255,96310,1475,9965,31011,1413,2713,6736,7132,624-----2,296
689 ----069,171---16,54852,88085,53765,61213,500-----
9905 -11,915-17,210524-13,6779,37129,195-18,97119,53822,270-3,24620,57913,53214,52338,979-6110,1401,73429,054440
Appropriation of the result
9906 -11,915-17,210524-13,6779,37129,195-18,97119,53822,270-3,24620,57913,53214,52338,979-6110,1401,73424,355-4,699
791/2 11,91517,210013,677-018,971--3,246----61----
691/2 -052409,37129,195-19,53822,270-20,57913,53214,52313,905-10,1401,73414,355-
6920 -------------26---12,616-
6921 -052409,37129,195-19,53822,270-20,57913,53214,52313,879-10,1401,7341,739-
694/7 -------------25,074---10,000-
695 -------------25,074---10,000-
Social balance sheet
9087 000----------------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 2 older financial years (2005-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 18 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 02-02-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 2 days after the deadline. Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00026339.

Financial year Type Filed Reference Document
30-06-2025 full format 02-02-2026 2026-00026339 PDF
30-06-2024 full format 27-02-2025 2025-00039880 PDF
30-06-2023 full format 02-02-2024 2024-00022556 PDF
30-06-2022 full format 06-02-2023 2023-00023561 PDF
30-06-2021 full format 10-02-2022 2022-05300524 PDF
30-06-2020 full format 09-02-2021 2021-05100257 PDF
30-06-2019 full format 18-02-2020 2020-05300209 PDF
30-06-2018 full format 27-02-2019 2019-06100189 PDF
30-06-2017 full format 08-02-2018 2018-04700150 PDF
30-06-2016 full format 28-02-2017 2017-05500457 PDF
30-06-2015 full format 15-02-2016 2016-04500384 PDF
30-06-2014 full format 26-02-2015 2015-05100198 PDF
30-06-2013 full format 28-02-2014 2014-05300515 PDF
30-06-2012 full format 27-02-2013 2013-05100109 PDF
30-06-2011 full format 02-02-2012 2012-02500098 PDF
30-06-2010 full format 12-01-2011 2011-00800205 PDF
30-06-2009 full format 25-01-2010 2010-02400133 PDF
30-06-2008 full format 28-01-2009 2009-02900063 PDF
30-06-2007 full format 31-01-2008 2008-03600088 PDF
30-06-2006 full format 27-12-2006 2006-93103417 PDF
30-06-2005 full format 18-01-2006 2006-02005142 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820172016201520142013201220112010200920082007
142,471149,794147,117131,040101,033224,845136,678111,787146,46299,952138,168159,574119,118101,31871,03293,549116,813201,06869,530
88,04285,847102,65283,64355,801154,583106,73870,465102,94883,943114,673171,653119,635114,60371,05642,53653,772126,79428,841
-100,000123,84541,39874,824560,76515,995362,235-29,250254,966233,7116,840189,381-100,802438,287239,97516,142128,472570,616168,371
-309-13,5884,368-5,9383,59619,880-4,8106,112-11,9586,486-33,68527,28517,1869505981,842-517282-
-979,506-1.1m-985,314-1.0m-958,030-514,897-680,754-568,147-538,160-441,236-223,479-310,105-618,066-791,884-631,678-613,147-574,949-519,314-35,374
20.2%17.7%16.1%16.1%16.1%19.6%14.6%20.6%18.8%19.6%23.0%18.8%15.0%9.6%10.2%11.0%9.0%9.8%10.0%
0.230.300.470.450.480.680.650.560.590.640.710.590.330.290.280.280.430.410.94
0.190.260.450.320.410.420.290.560.580.570.550.380.150.120.100.060.230.190.12
3.734.445.014.984.993.905.673.684.123.903.164.075.479.408.858.0810.129.218.97
-5.0%-6.1%-1.7%-4.8%-9.9%17.0%-5.8%3.1%2.5%2.3%16.6%26.4%30.0%29.1%0.0%6.6%1.2%20.6%-1.5%
-1.0%-1.1%-0.3%-0.8%-1.6%3.3%-0.8%0.6%0.5%0.5%3.8%4.9%4.5%2.8%0.0%0.7%0.1%2.0%-0.2%
2.272.032.292.16---------------

EBIT margin: not included in this filing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Securities and guarantees

on own assets and for others
Item30-06-202530-06-202430-06-202330-06-2022
Debts secured on the company's own assets--€404,801€486,713
Mortgages, amount registered€540,412€540,412€540,412€540,412
Carrying value of the mortgaged assets€1.6m€1.7m€1.8m€1.9m

Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets-€6,345€41,398€74,824
Financial fixed assets-€117,500--
€108,029€111,128€110,200€105,392

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on CHAMPY-CODE

The operating result for 2025 is 11% lower than in 2024 and the lowest since 2022.

Debt's share of the balance-sheet total falls from 78.5% to 75.4%. Equity and debt are lower.

Board & ownership

Board

3 directors, 2 in day-to-day management, last change in 2022
Eddy Devos
Director and managing director
director since 04-12-2020 managing director in office according to the deed of 20-01-2021 6-year term from 2021
listed in the 2025 annual accounts, filed on 02-02-2026
Jean-Guillaume Devos
Director and managing director
director since 04-12-2020 managing director appointed by deed of 18-01-2022 6-year term from 2021
listed in the 2025 annual accounts, filed on 02-02-2026
Lucette Collet
Director
since 04-12-2020 6-year term from 2021
listed in the 2025 annual accounts, filed on 02-02-2026
Jean-Guillaume Devos, Eddy Devos

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
Eddy Devos
Director, Managing director
Jean-Guillaume Devos
Director, Managing director
Lucette Collet
Director
LeadershipBoardRest of the termmandate already running before its first mention
Mandates as a list
  • Eddy Devos
    • Director, from 04-12-2020 to date
    • Managing director, since before 20-01-2021
  • Jean-Guillaume Devos
    • Director, from 04-12-2020 to date
    • Managing director, appointed by deed of 18-01-2022, still in office
  • Lucette Collet
    • Director, from 04-12-2020 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Capital
€126,500
Shares
90
Contribution per share
€1,406
Equity per share
€4,419 in 2025
Source
deed of 25-10-2023

Articles of association

deed of 25-10-2023 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of December
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
No statutory auditor
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Les plus étendus conférés par les articles 2:87 et suivants du Code des sociétés et des associations, Tribunal de l’Entreprise compétent”

Network & group

Holdings

own accounts to 30-06-2025, the bar shows equity in euros
This companyCHAMPY-CODE1 holding, 1 country accounts to 30-06-2025

Belgium 1 Equity Result

  • BE INCOGIM25%no longer active €262,118 result -€30,142

Source: list of holdings in its own 30-06-2025 accounts. Every holding stands with its own latest accounts.

Holdings and subsidiaries

1 holding

Holdings 1

Share, source and own figures per holding (1)
Holdings through the years 2024 to 2025
Holdings through the years
Name20242025
INCOGIM 25%

Source: list of holdings in its own accounts

Connections & network

3 current directors
Depth

The network starts from the directors of CHAMPY-CODE. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

35 events since 2004

Deadline for the 2026 accounts: 31-01-2027

2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0865377778
Annual accounts 2025 filed PDFfull format · 2 days late
2025
Annual accounts 2024 filed PDFfull format · 27 days late
2024
Annual accounts 2023 filed PDFfull format · 2 days late
2023
Amendment of the articlesGeneral meeting of 26-09-20234 points ▸
  • General meeting, 26-09-2023
  • Capital, €126,500, 90 shares
  • Power of attorney, Vincent COLIN
  • Registered office clause, Quai des Vicinaux 30, 7500 Tournai
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFfull format · 6 days late
2022
Annual accounts 2021 filed PDFfull format · 10 days late
1 director appointedJean-Guillaume Devos (managing director) · Permanent representatives: Jean-Guillaume Devos and Eddy Devos · Board meeting of 03-12-20215 points ▸

Open the deed in the Belgian Official Gazette

2021
Weakest financial year net -€46,591 The net result drops to -€46,591, the lowest from 2007 to 2025. It recovers the following year.
Annual accounts 2020 filed PDFfull format · 9 days late
3 directors reappointedEddy Devos (managing director), Lucette Collet and Jean-Guillaume Devos · General meeting of 04-12-20206 points ▸

Open the deed in the Belgian Official Gazette

2020
Back to profit net €88,220 The net result is €88,220, after one loss-making year.
Equity above €500,000 equity €518,866 ▲20.5% Equity rises from €430,646 to €518,866.
Annual accounts 2019 filed PDFfull format · 18 days late
2019
Annual accounts 2018 filed PDFfull format · 27 days late
2018
Annual accounts 2017 filed PDFfull format · 8 days late
2017
Annual accounts 2016 filed PDFfull format · 28 days late
2016
Annual accounts 2015 filed PDFfull format · 15 days late
2015
Annual accounts 2014 filed PDFfull format · 26 days late
2014
Highest result from 2007 to 2025 net €92,355 ▲19.2% The net result of €92,355 is the highest of those years.
Annual accounts 2013 filed PDFfull format · 28 days late
2013
Equity above €200,000 equity €258,084 ▲42.9% After 2 profitable years in a row, equity reaches €258,084.
Annual accounts 2012 filed PDFfull format · 27 days late
2012
Back to profit net €52,479 The net result is €52,479, after one loss-making year.
Annual accounts 2011 filed PDFfull format · 2 days late
2011
Annual accounts 2010 filed PDFfull format · 19 days before the deadline
2010
Equity above €150,000 equity €153,229 ▲7.1% After 3 profitable years in a row, equity reaches €153,229.
Annual accounts 2009 filed PDFfull format · 6 days before the deadline
2009
Annual accounts 2008 filed PDFfull format · 3 days before the deadline
2008
Back to profit net €29,054 The net result is €29,054, after one loss-making year.
Annual accounts 2007 filed PDFfull format · on the deadline day
2006
Annual accounts 2006 filed PDFfull format · 35 days before the deadline
Annual accounts 2005 filed PDFfull format
2004
Incorporation PDFpublished on 01-06-2004
First establishment CHAMPY CODE SA, Quai des Vicinaux 30, Tournai

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 18 May 2004, CHAMPY-CODE was incorporated.1 Total assets went from €2.9m in 2019 to €2.0m in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0865.377.778
VAT number
BE 0865.377.778
Peppol ID
0208:0865377778
Legal form
Public limited company
Status
Active, normal situation
Founded
18-05-2004
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of December
deed of 25-10-2023 (in French)
Peppol
Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
CHAMPY-CODE in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-10-2023 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région Wallonne”
deed of 25-10-2023 (in French)

Activities

NACEBEL 2025
68310 Real estate agency activities main activity
70200 Business and other management consultancy
82100 Office administrative and support services
Codes under NACEBEL 2008
68311 Real estate activities main activity
70220 Business consulting
82110 Office administrative, office support and other business support activities
Codes under NACEBEL 2003
70311 main activity
74142
74855
PurposeThe purpose describes the activities the company may carry out under its articles.
“L’immobilier pour compte propre et le management d’autres sociétés; Se porter caution et donner toute sûreté personnelle ou réelle en faveur…”
5 activities
  1. L’immobilier pour compte propre et le management d’autres sociétés
  2. Se porter caution et donner toute sûreté personnelle ou réelle en faveur de toute personne ou société,liée ou non
  3. Réaliser toutes opérations généralement quelconques,commerciales,industrielles,financières,mobilières ou immobilières,ayant un rapport direct ou indirect avec son objet social ou de nature à en favoriser la réalisation et le développement
  4. S'intéresser par voie d'apport,de souscription,de cession,de participation,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations et entreprises,tant en Belgique qu’à l’étranger
  5. Exercer la ou les fonctions d'administrateur,de gérant ou de liquidateur
deed of 25-10-2023 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
CHAMPY CODE SA registered office Quai des Vicinaux 30, 7500 Tournai 70200 Business and other management consultancy 14-05-2004 2.137.791.611

Buildings and parcels at the address

Ground area
3,484 m²
Buildings
265 m²
Volume, LiDAR
1,075 m³
Tallest building
6.5 m
Buildings to scale, each on its own parcel
265 m², 6.5 m 265 m², 6.5 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
57462A0004/00L0003,484 m² 1 · 265 m² 6.5 m · 1

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