CHANAB
ActiveSummary
CHANAB has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€70,392) and a net result of -€35,714. Equity is shrinking by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 6% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.57 against 2.37 in 2024; short-term debt: 62.8% and cash: 4.4% of total assets), but 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
-202.3%
Return on assets
-102.6%
Age of the figures
9 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€70,392
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
25 d late
2023
13 d early
2022
7 d early
2021
29 d late
2020
25 d late
2019
26 d 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 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 24 July (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€70,392▼ 103%
2024 · -€34,678
Total assets
€34,794▼ 34.1%
2024 · €52,793
Net result
-€35,714▼ 197%
2024 · -€12,018
Working capital
€12,369▼ 59.0%
2024 · €30,154
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Operating result-€8,798▲ 44.4%€2,450€4,436▲ 81.1%-€8,811-€31,849▼ 261%
Net result-€10,726below the sector's middle half▲ 31.2%€193within the sector's middle half€1,794within the sector's middle half▲ 830%-€12,018below the sector's middle half-€35,714below the sector's middle half▼ 197%
Equity-€24,647below the sector's middle half▼ 77.0%-€24,454below the sector's middle half▲ 0.8%-€22,660below the sector's middle half▲ 7.3%-€34,678below the sector's middle half▼ 53.0%-€70,392below the sector's middle half▼ 103%
Total assets€52,550below the sector's middle half▲ 10.6%€67,560within the sector's middle half▲ 28.6%€53,967below the sector's middle half▼ 20.1%€52,793below the sector's middle half▼ 2.2%€34,794below the sector's middle half▼ 34.1%
Debt€77,196▲ 25.7%€92,013▲ 19.2%€76,627▼ 16.7%€87,471▲ 14.2%€105,186▲ 20.3%
Working capital€42,702within the sector's middle half▲ 28.1%€66,110within the sector's middle half▲ 54.8%€43,142within the sector's middle half▼ 34.7%€30,154within the sector's middle half▼ 30.1%€12,369within the sector's middle half▼ 59.0%
Solvency-46.9%below the sector's middle half▼ 17.6pp-36.2%below the sector's middle half▲ 10.7pp-42.0%below the sector's middle half▼ 5.8pp-65.7%below the sector's middle half▼ 23.7pp-202.3%below the sector's middle half▼ 136.6pp
Current ratio5.60above the sector's middle half▲ 2.1576.20above the sector's middle half▲ 70.605.21above the sector's middle half▼ 71.002.37within the sector's middle half▼ 2.841.57within the sector's middle half▼ 0.80
Return on assets (ROA)-20.4%below the sector's middle half▲ 12.4pp0.3%within the sector's middle half▲ 20.7pp3.3%within the sector's middle half▲ 3.0pp-22.8%below the sector's middle half▼ 26.1pp-102.6%below the sector's middle half▼ 79.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31,849 in 2025 against €8,811 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,794
Fixed assets
€570 =
Current assets
€34,224 ▼ 34.5%
Key figures and ratios
Quick ratio
0.11▼
2024 · 0.56
Debt to equity
-1.49▲
2024 · -2.52
Debt ≤ 1 year
€21,855▼
2024 · €22,068
Debt > 1 year
€83,331▲
2024 · €65,403
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,622 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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €2,550 | €2,813 | €3,479 | €2,751 | €2,961 | ▲ 7.6% |
| Gross operating margin9900 | -€6,249 | €5,263 | €7,916 | -€6,059 | -€28,888 | ▼ 377% |
| Operating profit (loss)9901 | -€8,798 | €2,450 | €4,436 | -€8,811 | -€31,849 | ▼ 261% |
| Financial income75/76B | €0 | - | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | €1,928 | €2,257 | €2,642 | €3,207 | €3,865 | ▲ 20.5% |
| Recurring financial charges65 | €1,928 | €2,257 | €2,642 | €3,207 | €3,865 | ▲ 20.5% |
| Profit (loss) for the period before taxes9903 | -€10,726 | €193 | €1,794 | -€12,018 | -€35,714 | ▼ 197% |
| Profit (loss) for the period9904 | -€10,726 | €193 | €1,794 | -€12,018 | -€35,714 | ▼ 197% |
| Profit (loss) for the period to be appropriated9905 | -€10,726 | €193 | €1,794 | -€12,018 | -€35,714 | ▼ 197% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,550 | €67,560 | €53,967 | €52,793 | €34,794 | ▼ 34.1% |
| Fixed assets21/28 | €570 | €570 | €570 | €570 | €570 | = |
| Tangible fixed assets22/27 | - | - | - | €0 | €0 | - |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | - | - | €0 | €0 | - |
| Financial fixed assets28 | €570 | €570 | €570 | €570 | €570 | = |
| Current assets29/58 | €51,980 | €66,989 | €53,397 | €52,223 | €34,224 | ▼ 34.5% |
| Stocks and contracts in progress3 | €47,742 | €56,720 | €44,992 | €39,868 | €31,872 | ▼ 20.1% |
| Stocks30/36 | €47,742 | €56,720 | €44,992 | €39,868 | €31,872 | ▼ 20.1% |
| Amounts receivable within one year40/41 | €413 | - | €2,084 | €92 | - | - |
| Trade receivables40 | - | - | €2,024 | - | - | - |
| Other amounts receivable41 | €413 | - | €60 | €92 | - | - |
| Cash at bank and in hand54/58 | €3,194 | €9,585 | €5,574 | €10,473 | €1,528 | ▼ 85.4% |
| Deferred charges and accrued income490/1 | €631 | €684 | €746 | €1,791 | €824 | ▼ 54.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,550 | €67,560 | €53,967 | €52,793 | €34,794 | ▼ 34.1% |
| Equity10/15 | -€24,647 | -€24,454 | -€22,660 | -€34,678 | -€70,392 | ▼ 103% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Outside capital11 | - | - | - | €12,400 | - | - |
| Share premium1100/10 | - | - | - | €12,400 | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€38,907 | -€38,714 | -€36,920 | -€48,938 | -€84,652 | ▼ 73.0% |
| Amounts payable17/49 | €77,196 | €92,013 | €76,627 | €87,471 | €105,186 | ▲ 20.3% |
| Amounts payable after more than one year17 | €67,918 | €90,795 | €66,372 | €65,403 | €83,331 | ▲ 27.4% |
| Financial debts170/4 | €67,918 | €90,795 | €66,372 | €65,403 | €83,331 | ▲ 27.4% |
| Amounts payable within one year42/48 | €9,278 | €879 | €10,255 | €22,068 | €21,855 | ▼ 1.0% |
| Financial debts43 | €3,272 | - | - | €9,238 | €14,850 | ▲ 60.7% |
| Credit institutions430/8 | €3,272 | - | - | €9,238 | €14,850 | ▲ 60.7% |
| Trade debts44 | €5,897 | €475 | €5,528 | €6,691 | €1,559 | ▼ 76.7% |
| Suppliers440/4 | €5,897 | €475 | €5,528 | €6,691 | €1,559 | ▼ 76.7% |
| Taxes, remuneration and social security45 | €109 | €404 | €4,727 | €6,139 | €5,446 | ▼ 11.3% |
| Taxes450/3 | €109 | €404 | €1,133 | €1,399 | €699 | ▼ 50.0% |
| Remuneration and social security454/9 | - | - | €3,594 | €4,739 | €4,747 | ▲ 0.2% |
| Accrued charges and deferred income492/3 | - | €339 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,726 | €193 | €1,794 | -€12,018 | -€35,714 | ▼ 197% |
| Operating cash flow (approximation) | -€10,726 | €193 | €1,794 | -€12,018 | -€35,714 | ▼ 197% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €6,391 | -€4,011 | €4,898 | -€8,944 | ▼ 283% |
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
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€35,714
Net result drops to -€35,714, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €1,794 ▲830%
Operating result €4,436, net result €1,794, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €193
Net result €193 after 4 loss-making years.
31-12
Financial
Liquidity times 14current ratio 76.20
Current ratio from 5.60 to 76.20; short-term debt falls from €9,278 to €879.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.02
Current ratio from 1.93 to 4.02; short-term debt falls from €34,084 to €13,959.
Show earlier events
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Antwerpen · 1 establishment unit since 2001
Ground area
79 m²
Building footprint
79 m²
Volume, LiDAR
1,172 m³
Parcel 11808H1191/00V003, Flanders · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Plantin en Moretuslei 51, 2018 Antwerpen
since 20012.100.255.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1191/00V003 | Flanders | 79 m² | 1 · 79 m² | 18.6 m · 5 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 siteAntwerpen2.100.255.975
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 1,244 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-06-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466197836
Registered
05-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.