CHAMS.VISION
ActiveSummary
The computed 12-month bankruptcy probability of CHAMS.VISION is 1.8% (moderate). The 2025 annual accounts show equity of €22k and a net result of €20k. Its solvency ranks better than 45% of 643 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.52; short-term debt: 63.8% and cash: 0.2% of total assets), but 63.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 32
Relative position
BE, all sectors
reference
Sector 32
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
36.2%
Return on assets
32.9%
Age of the figures
9 mo
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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€22k
Total assets
€61k
Net result
€20k
Working capital
€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €61k
Fixed assets
€2k
Current assets
€59k
Equity and liabilities €61k
Equity
€22k
Debt
€39k
Debt finances 63.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€29k
Cash flow
€21k
Current ratio
1.52
Debt to equity
1.76
ROE
90.9%
ROA
32.9%
Interest coverage
135.06
Debt ≤ 1 year
€39k
Income taxes
€8k
Staff costs
€33k
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet
Code2025
Assets
Total assets20/58€61k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Furniture and vehicles24€2k
Financial fixed assets28€216
Current assets29/58€59k
Amounts receivable within one year40/41€59k
Trade receivables40€16k
Other amounts receivable41€43k
Cash at bank and in hand54/58€98
Equity and liabilities
Total equity and liabilities10/49€61k
Equity10/15€22k
Contributions10/11€2k
Profit (loss) carried forward14€20k
Amounts payable17/49€39k
Amounts payable within one year42/48€39k
Trade debts44€20k
Suppliers440/4€20k
Taxes, remuneration and social security45€19k
Taxes450/3€12k
Remuneration and social security454/9€7k
Income statement
Code2025
Remuneration, social security and pensions62€33k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€30
Non-recurring operating charges66A€85
Gross operating margin9900€62k
Operating profit (loss)9901€28k
Financial income75/76B€918
Recurring financial income75€918
Financial charges65/66B€214
Recurring financial charges65€214
Profit (loss) for the period before taxes9903€28k
Income taxes67/77€8k
Profit (loss) for the period9904€20k
Profit (loss) for the period to be appropriated9905€20k
Appropriation of the result
Profit (loss) to be appropriated9906€20k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Brussel · 1 establishment unit since 2024
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.
Houba de Strooperlaan 2881020 BrusselGround area
619 m²
Building footprint
379 m²
Volume, LiDAR
7,250 m³
2 parcels, Brussels · tallest building 23.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
PEARLE OPTICIENS
since 20242.362.147.067
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816G0105/00P011 | Brussels | 540 m² | 1 · 311 m² | 23.7 m · 7 fl. |
| 21005A0505/00L000 | Brussels | 78 m² | 1 · 68 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
TremoLab
BE 0711.972.971
Tremelo · Eq €22,065
VDF Dental
BE 0792.336.382
Ecaussinnes · Eq €21,938
SpineTechnics
BE 0747.597.113
Geel · Eq €22,188
3D PRINTED HEALTH SUPPLIES
BE 1014.584.465
Brakel · Eq €22,555
E.D.S. ORTHOPEDIE
BE 0459.578.674
Kontich · Eq €22,574
Of 1,249 companies in sector 32500 we hold annual accounts for 694. 355 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
Founded22-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
32500Manufacture of medical and dental instruments and supplies
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.