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CHAMROVA

Active
Private limited company (pre-2019)founded 2001active for 24 yearsZuidstraat 1, 8770 Ingelmunster, BelgiumKBO/BCE: BE 0475.873.783
Summary

CHAMROVA has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €128,128. Equity is growing by about 8.2% per year across the filed financial years. Its solvency ranks better than 89% of 2,035 sector peers (NACE 01, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Activity
Growing of vegetables, melons, roots and tubers
NACE 01130
1 site
Size
€1.2mtotal assets 2025
Staff
7.7 FTE
Equity
€1.0m
Profit
€128,128
Turnover not published (abbreviated format)
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Accounts filed 31 days late0 of 1 deed read
Why 97raises riskLatest accounts 31 days late; 1 of the last 3 latelowers riskLiquidity: current ratio 4.04, cash €268,935Equity €1.0m (84.2% of total assets)Profit of €128,128 (financial year 2025)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 77% of its sector peers (NACE 01, micro)
Financial strength · tick = 2024
Strong
Solvency 100+8
equity 84.2% of total assets
Liquidity 74+4
short-term debt 15.7% · cash 21.9%
Profitability 82-7
return on assets 10.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (5,676 companies, NACE 01, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025highest value 08-2025: < 0.1%▼ -0.2 percentage points 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: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged 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%▲ +0.1 percentage points vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €100,000 on 30-day terms is acceptable
Liquidity ample (current ratio 4.04, compared with 2.01 in 2024; short-term debt: 15.7% and cash: 21.9% of total assets), and 15.8% of the assets are financed with debt.
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 01, micro): better than 92% on solvency, 81% on liquidity, 77% on profitability and 58% on growth.

The bankruptcy probability was computed on 08-10-2026 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

Five signals.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 4.04, cash €268,935
NBB · annual accounts
lowers risk · Equity €1.0m (84.2% of total assets)
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
lowers risk · Profit of €128,128 (financial year 2025)
NBB · annual accounts
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 Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
13 days early
2023
30 days late
2022
88 days late
2021
60 days late
2020
122 days late
2019
31 days late
← 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 50 days after the deadline; the sector median (NACE 01) for financial year 2024 is 3 days before the deadline, and 37% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Where today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Liquidity doublescurrent ratio 4.04
  3. Equity above €1mequity €1.0m ▲9.1%

Key points

  • Positive: Among the best 12% on solvencysector median 41.1% · 2,035 companies 84.2% View
  • Caution: Result fell in 2025from €225,845 to €128,128 ▼ 43.3% View
  • Positive: 8 profitable years in a rowprofit 2025: €128,128 8 years View

By topic

Financials

Financial year
2025
Total assets
€1.2m
Profit
€128,128
Solvency
84.2%
Total assets▼ 13.1%
Net result
20182025
Go to Financials

Timeline

Events
28
Since
2003
Next accounts
by 31-07-2027
  1. 18-07-2025Annual accounts filed
  2. 31-12-2024Highest result from 2018 to 2025
  3. 30-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Growing of vegetables, melons, roots and tubersNACE 01130
Founded
16-10-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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