CHANCE
ActiveThe annual accounts of CHANCE for fiscal year 2025 show a net loss of 73% of the equity at the start of that year. The 2025 annual accounts show equity of €17k and a net result of €-45k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 4123 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-22
Solvency32▼-19
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.92 against 1.26 in 2024; short-term debt: 90% and cash: 25.6% of total assets), and 92.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
7.3%
Return on assets
-19.6%
Age of the figures
15 mo
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 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-45k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 4123 sector peers (2025).
NBB · sector comparisonPosition among 4123 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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 · 8 filingsDeviation from the deadline
2025
3 d late
2024
on the day
2023
1 d late
2022
1 d late
2021
7 d late
2020
8 d late
2019
216 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-45k▼ 286%
2024 · €-12k
2019: €7k
2020: €28k
2021: €68k
2022: €16k
2023: €-17k
2024: €-12k
2019 → 2025
Working capital
€-16k
2024 · €38k
2019: €17k
2020: €28k
2021: €70k
2022: €95k
2023: €43k
2024: €38k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€90k▲ 21.5%€73k▼ 18.8%€62k▼ 15.9%€17k▼ 72.9%
Operating result€98k-€34k▼ 65.9%€775▼ 97.7%€-2k€-30k▼ 1,536%
Net result€68k-€16k▼ 76.6%€-17k€-12k▲ 31.2%€-45k▼ 286%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €2k 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 €230k
Fixed assets
€39k▼ 27.7%
Current assets
€190k▲ 3.8%
Equity and liabilities €230k
Equity
€17k▼ 72.9%
Debt
€213k▲ 20.9%
The debt ratio rises from 74.1% to 92.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-15k▼
2024 · €15k
Cash flow
€-29k▼
2024 · €5k
Solvency
7.3%▼
2024 · 25.9%
Current ratio
0.92▼
2024 · 1.26
Quick ratio
0.66▼
2024 · 0.89
Debt / equity
12.79▲
2024 · 2.86
ROE
-269.6%▼
2024 · -18.9%
ROA
-19.6%▼
2024 · -4.9%
Interest coverage
-0.98▼
2024 · 1.18
Debt
€213k▲
2024 · €176k
Debt ≤ 1 year
€207k▲
2024 · €146k
Income taxes
€2k▲
2024 · €347
Staff costs
€142k▼
2024 · €184k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€238k€230k▼
Fixed assets21/28€54k€39k▼
Tangible fixed assets22/27€54k€39k▼
Plant, machinery and equipment23€21k€15k▼
Furniture and vehicles24€832€185▼
Other tangible fixed assets26€32k€24k▼
Current assets29/58€183k€190k▲
Stocks and contracts in progress3€54k€54k▼
Stocks30/36€54k€54k▼
Amounts receivable within one year40/41€26k€56k▲
Trade receivables40€84€8k▲
Other amounts receivable41€26k€49k▲
Cash at bank and in hand54/58€77k€59k▼
Deferred charges and accrued income490/1€27k€21k▼
Equity and liabilities
Total equity and liabilities10/49€238k€230k▼
Equity10/15€62k€17k▼
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€19k€19k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€17k€17k=
Profit (loss) carried forward14€36k€-9k▼
Amounts payable17/49€176k€213k▲
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€146k€207k▲
Current portion of amounts payable after more than one year42€19k€15k▼
Trade debts44€107k€168k▲
Suppliers440/4€107k€168k▲
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€559€1k▲
Remuneration and social security454/9€19k€21k▲
Accrued charges and deferred income492/3€15k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€184k€142k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€203k€130k▼
Operating profit (loss)9901€-2k€-30k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€-11k€-43k▼
Income taxes67/77€347€2k▲
Profit (loss) for the period9904€-12k€-45k▼
Profit (loss) for the period to be appropriated9905€-12k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€-9k▼
Profit (loss) brought forward from the previous period14P€48k€36k▼
Social balance
Average headcount (FTE)90877.43.7▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 3 days late
2025
30-06
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 7 days late
2021
30-06
Financial
Highest result since 2019net €68k ▲140%
Operating result €98k, net result €68k, both a record.
08-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 8 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 216 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liedekerke · 1 establishment unit since 2016
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.
Pioenenlaan 61770 LiedekerkeGround area
3,053 m²
Building footprint
1,725 m²
Volume, LiDAR
28,671 m³
2 parcels, Brussels, Flanders · tallest building 23.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Carrefour Express
since 20162.256.957.792
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0284/00G000 | Brussels | 2,288 m² | 1 · 1,499 m² | 23.4 m · 6 fl. |
| 23762E0002/00T005 | Flanders | 765 m² | 1 · 226 m² | 6.5 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudergem2.256.957.792
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,992 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2016
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.