CHANCE
ActiveCHANCE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-63k) and a net result of €6k. Equity is shrinking by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+53
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.17 in 2023; short-term debt: 476.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2024Solvency, return and age of the figures
Solvency
-376.3%
Return on assets
37.2%
Age of the figures
21 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 19357 sector peers (2024).
NBB · sector comparisonPosition among 19357 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
121 d late
2022
80 d late
2020
93 d early
2019
119 d late
2018
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-63k▲ 9.0%
2023 · €-69k
2018: €98k
2019: €47k
2020: €31k
2022: €-70k
2023: €-69k
2018 → 2024
Total assets
€17k▼ 8.2%
2023 · €18k
2018: €222k
2019: €94k
2020: €78k
2022: €17k
2023: €18k
2018 → 2024
Net result
€6k▲ 782%
2023 · €707
2018: €-65k
2019: €-51k
2020: €-16k
2022: €-47k
2023: €707
2018 → 2024
Working capital
€-66k▲ 8.6%
2023 · €-73k
2018: €84k
2019: €43k
2020: €27k
2022: €-73k
2023: €-73k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202220232024Trend
Equity€47k-€31k▼ 34.5%€-70k€-69k▲ 1.0%€-63k▲ 9.0%
Operating result€-46k-€-16k▲ 66.3%€-46k▼ 197%€1k€8k▲ 475%
Net result€-51k-€-16k▲ 67.7%€-47k▼ 186%€707€6k▲ 782%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 475% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €17k
Fixed assets
€3k=
Current assets
€13k▼ 10.0%
Key figures and ratios
Solvency
-376.3%▲
2023 · -379.6%
Current ratio
0.17▼
2023 · 0.17
Quick ratio
0.17▼
2023 · 0.17
Debt / equity
-1.27▼
2023 · -1.26
ROA
37.2%▲
2023 · 3.9%
Debt
€80k▼
2023 · €87k
Debt ≤ 1 year
€80k▼
2023 · €87k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€18k€17k▼
Fixed assets21/28€3k€3k=
Tangible fixed assets22/27€3k€3k=
Furniture and vehicles24€3k€3k=
Current assets29/58€15k€13k▼
Amounts receivable within one year40/41€13k€13k▲
Trade receivables40€13k€13k▲
Cash at bank and in hand54/58€2k-
Equity and liabilities
Total equity and liabilities10/49€18k€17k▼
Equity10/15€-69k€-63k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-90k€-83k▲
Amounts payable17/49€87k€80k▼
Amounts payable within one year42/48€87k€80k▼
Financial debts43-€106
Credit institutions430/8-€106
Trade debts44€22k€22k▼
Suppliers440/4€22k€22k▼
Advances received on contracts in progress46€14k€14k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€47k€40k▼
Income statement
Code20232024
Other operating charges640/8€2k€1k▼
Gross operating margin9900€3k€9k▲
Operating profit (loss)9901€1k€8k▲
Financial charges65/66B€618€1k▲
Recurring financial charges65€618€1k▲
Profit (loss) for the period before taxes9903€707€6k▲
Profit (loss) for the period9904€707€6k▲
Profit (loss) for the period to be appropriated9905€707€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-90k€-83k▲
Profit (loss) brought forward from the previous period14P€-90k€-90k▲
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €6k ▲782%
Operating result €8k, net result €6k, both a record.
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 121 days late
2023
31-12
Financial
Back to profitnet €707
Net result €707 after 4 loss-making years.
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 80 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 58 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Theux · 1 establishment unit since 2003
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.
Rue Hestroumont 104910 TheuxGround area
1.7 ha
Building footprint
97 m²
Volume, LiDAR
551 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Reine Astrid 91, 4831 Limbourg
since 20032.132.986.448
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63009B0453/00R000 | Wallonia | 1.4 ha | - | - |
| 63044B0143/00S000 | Wallonia | 3,262 m² | 1 · 96 m² | 7.7 m · 2 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.
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GDCRE
BE 0724.734.114
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VASTGOED VISIE
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,888 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-09-2003
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:chancesprl@gmail.com