CHANO
ActiveSummary
The computed 12-month bankruptcy probability of CHANO is 1.6% (moderate). The annual accounts of CHANO for fiscal year 2025 show a net loss of 61% of total assets and of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €9,908 and a net result of -€13,741. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 13683 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency69▼-31
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 ample (current ratio 1.62 against 3.79 in 2024; short-term debt: 55.9% and cash: 36% of total assets), but 55.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
44.1%
Return on assets
-61.2%
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 14-09-2026, 45 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
45 d late
2024
28 d late
2023
34 d early
2022
45 d early
2021
58 d early
2020
2 d early
2019
58 d early
← 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 18 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 28 June (4 of the last 5 filed years within 61 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,908▼ 58.1%
2024 · €23,649
Total assets
€22,457▼ 26.8%
2024 · €30,666
Net result
-€13,741
2024 · €183
Working capital
€7,842▼ 60.0%
2024 · €19,586
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, 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€4,721▼ 58.4%-€5,052-€19,116▼ 278%€315-€13,660
Net result€4,859within the sector's middle half▼ 59.7%-€4,733within the sector's middle half-€19,197below the sector's middle half▼ 306%€183within the sector's middle half-€13,741below the sector's middle half
Equity€47,396within the sector's middle half▲ 11.4%€42,663within the sector's middle half▼ 10.0%€23,466within the sector's middle half▼ 45.0%€23,649within the sector's middle half▲ 0.8%€9,908within the sector's middle half▼ 58.1%
Total assets€48,453within the sector's middle half▲ 0.2%€42,808below the sector's middle half▼ 11.7%€41,397below the sector's middle half▼ 3.3%€30,666below the sector's middle half▼ 25.9%€22,457below the sector's middle half▼ 26.8%
Debt€1,057▼ 81.9%€145▼ 86.3%€17,931▲ 12,281%€7,017▼ 60.9%€12,550▲ 78.8%
Working capital€31,314within the sector's middle half▼ 12.4%€30,995within the sector's middle half▼ 1.0%€15,873within the sector's middle half▼ 48.8%€19,586within the sector's middle half▲ 23.4%€7,842within the sector's middle half▼ 60.0%
Solvency97.8%above the sector's middle half▲ 9.9pp99.7%above the sector's middle half▲ 1.8pp56.7%within the sector's middle half▼ 43.0pp77.1%above the sector's middle half▲ 20.4pp44.1%within the sector's middle half▼ 33.0pp
Current ratio30.61above the sector's middle half▲ 23.481.89within the sector's middle half3.79above the sector's middle half▲ 1.911.62within the sector's middle half▼ 2.17
Return on assets (ROA)10.0%within the sector's middle half▼ 14.9pp-11.1%within the sector's middle half▼ 21.1pp-46.4%below the sector's middle half▼ 35.3pp0.6%within the sector's middle half▲ 47.0pp-61.2%below the sector's middle half▼ 61.8pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, 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 turns negative in 2025: a loss of €13,660 after €315 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22,457
Fixed assets
€2,066 ▼ 49.2%
Current assets
€20,392 ▼ 23.3%
Equity and liabilities €22,457
Equity
€9,908 ▼ 58.1%
Debt
€12,550 ▲ 78.8%
Debt's share of the balance-sheet total rises from 22.9% to 55.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€10,803▼
2024 · €3,845
Cash flow
-€10,884▼
2024 · €3,713
Quick ratio
1.46▼
2024 · 3.49
Debt to equity
1.27▲
2024 · 0.30
ROE
-138.7%▼
2024 · 0.8%
Interest coverage
-133.37▼
2024 · 62.73
Debt ≤ 1 year
€12,550▲
2024 · €7,017
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% 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 497,340 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% | 1.8% |
| 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 5,834 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,244 | €3,865 | €4,075 | €3,530 | €2,857 | ▼ 19.1% |
| Other operating charges640/8 | €1,978 | €1,805 | €1,712 | €1,830 | €1,578 | ▼ 13.8% |
| Non-recurring operating charges66A | - | - | €4,000 | €2,670 | - | - |
| Gross operating margin9900 | €9,944 | €619 | -€9,329 | €8,345 | -€9,225 | ▼ 211% |
| Operating profit (loss)9901 | €4,721 | -€5,052 | -€19,116 | €315 | -€13,660 | ▼ 4,440% |
| Financial income75/76B | €883 | €394 | €5 | - | €1 | - |
| Recurring financial income75 | €883 | €394 | €5 | - | €1 | - |
| Financial charges65/66B | €171 | €78 | €86 | €61 | €81 | ▲ 32.2% |
| Recurring financial charges65 | €171 | €78 | €86 | €61 | €81 | ▲ 32.2% |
| Profit (loss) for the period before taxes9903 | €5,434 | -€4,735 | -€19,197 | €253 | -€13,741 | ▼ 5,522% |
| Income taxes67/77 | €575 | -€2 | - | €71 | - | - |
| Profit (loss) for the period9904 | €4,859 | -€4,733 | -€19,197 | €183 | -€13,741 | ▼ 7,621% |
| Profit (loss) for the period to be appropriated9905 | €4,859 | -€4,733 | -€19,197 | €183 | -€13,741 | ▼ 7,621% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,453 | €42,808 | €41,397 | €30,666 | €22,457 | ▼ 26.8% |
| Fixed assets21/28 | €16,082 | €11,668 | €7,593 | €4,063 | €2,066 | ▼ 49.2% |
| Tangible fixed assets22/27 | €13,467 | €11,668 | €7,593 | €4,063 | €2,066 | ▼ 49.2% |
| Land and buildings22 | €5,091 | €3,754 | €2,418 | €1,387 | €356 | ▼ 74.3% |
| Plant, machinery and equipment23 | €6,720 | €4,998 | €3,276 | €1,793 | €1,499 | ▼ 16.4% |
| Furniture and vehicles24 | €1,656 | €2,915 | €1,899 | €883 | €211 | ▼ 76.1% |
| Financial fixed assets28 | €2,614 | - | - | - | - | - |
| Current assets29/58 | €32,372 | €31,140 | €33,805 | €26,603 | €20,392 | ▼ 23.3% |
| Stocks and contracts in progress3 | €2,436 | €1,720 | €2,481 | €2,101 | €2,101 | = |
| Stocks30/36 | €2,436 | €1,720 | €2,481 | €2,101 | €2,101 | = |
| Amounts receivable within one year40/41 | €14,718 | €12,528 | €16,937 | €9,114 | €10,211 | ▲ 12.0% |
| Trade receivables40 | €60 | €1,312 | €9,465 | €4,964 | €6,442 | ▲ 29.8% |
| Other amounts receivable41 | €14,658 | €11,216 | €7,472 | €4,150 | €3,769 | ▼ 9.2% |
| Cash at bank and in hand54/58 | €14,691 | €16,893 | €13,993 | €14,973 | €8,080 | ▼ 46.0% |
| Deferred charges and accrued income490/1 | €526 | - | €394 | €415 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,453 | €42,808 | €41,397 | €30,666 | €22,457 | ▼ 26.8% |
| Equity10/15 | €47,396 | €42,663 | €23,466 | €23,649 | €9,908 | ▼ 58.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €41,344 | €41,344 | €41,344 | €41,344 | €41,344 | = |
| Non-distributable reserves130/1 | €17,494 | €17,494 | €15,634 | €15,634 | €15,634 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | €15,634 | €15,634 | = |
| Other1319 | €15,634 | €15,634 | €15,634 | - | - | - |
| Tax-exempt reserves132 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Distributable reserves133 | €20,850 | €20,850 | €22,710 | €22,710 | €22,710 | = |
| Profit (loss) carried forward14 | -€12,548 | -€17,281 | -€36,478 | -€36,296 | -€50,036 | ▼ 37.9% |
| Amounts payable17/49 | €1,057 | €145 | €17,931 | €7,017 | €12,550 | ▲ 78.8% |
| Amounts payable within one year42/48 | €1,057 | €145 | €17,931 | €7,017 | €12,550 | ▲ 78.8% |
| Trade debts44 | €479 | €145 | €2,874 | €4,999 | €7,253 | ▲ 45.1% |
| Suppliers440/4 | €479 | €145 | €2,874 | €4,999 | €7,253 | ▲ 45.1% |
| Taxes, remuneration and social security45 | €578 | - | - | €1,124 | €104 | ▼ 90.7% |
| Taxes450/3 | €578 | - | - | €71 | €71 | = |
| Remuneration and social security454/9 | - | - | - | €1,053 | €33 | ▼ 96.8% |
| Other amounts payable47/48 | - | - | €15,057 | €894 | €5,192 | ▲ 481% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,859 | -€4,733 | -€19,197 | €183 | -€13,741 | ▼ 7,621% |
| + Depreciation and write-downs630 | €3,244 | €3,865 | €4,075 | €3,530 | €2,857 | ▼ 19.1% |
| Operating cash flow (approximation) | €8,103 | -€868 | -€15,122 | €3,713 | -€10,884 | ▼ 393% |
| Investment in fixed assets (approximation) | - | €549 | €0 | €0 | -€860 | - |
| Change in cash | - | €2,201 | -€2,900 | €980 | -€6,894 | ▼ 803% |
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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €183
Net result €183 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.79
Current ratio from 1.89 to 3.79; short-term debt falls from €17,931 to €7,017.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€19,197
Net result drops to -€19,197, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 7current ratio 215.01
Current ratio from 30.61 to 215.01; short-term debt falls from €1,057 to €145.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 30.61
Current ratio from 7.13 to 30.61; short-term debt falls from €5,830 to €1,057.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 7.13
Current ratio from 3.10 to 7.13; short-term debt falls from €10,236 to €5,830.
Show earlier events
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13,574
Net result €13,574 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.10
Current ratio from 1.09 to 3.10; short-term debt falls from €17,687 to €10,236.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 23 acts read
About the unread acts
We know of 23 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
23 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 1998
Ground area
79 m²
Building footprint
79 m²
Volume, LiDAR
756 m³
Parcel 11302A0113/00B007, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LIJMSTOK
since 19982.088.393.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0113/00B007 | Flanders | 78 m² | 1 · 78 m² | 14.1 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.088.393.469
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Of 14,001 companies in sector 56301 we hold annual accounts for 4,899. 3,508 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
Founded03-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463739479
Also
9925:BE0463739479
Registered
03-04-2026
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.