CHANSE
ActiveCHANSE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.01M and a net result of €521k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
83
/ 100
Excellent▲ +36 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+65
Solvency100▲+15
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €330k at 30 days acceptable
Liquidity ample (current ratio 14.04 against 1.33 in 2023), and 27% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
73%
Return on assets
9.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
43 d early
2022
31 d early
2021
30 d early
2020
29 d early
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€4.01M▲ 14.9%
2023 · €3.49M
2019: €2.82M
2020: €2.82M
2021: €2.88M
2022: €3.50M
2023: €3.49M
2019 → 2024
Total assets
€5.50M▲ 12.1%
2023 · €4.91M
2019: €2.84M
2020: €2.92M
2021: €2.98M
2022: €3.91M
2023: €4.91M
2019 → 2024
Net result
€521k
2023 · €-3k
2019: €41k
2020: €58k
2021: €100k
2022: €618k
2023: €-3k
2019 → 2024
Working capital
€1.19M▲ 170%
2023 · €440k
2019: €1.84M
2020: €1.55M
2021: €1.68M
2022: €408k
2023: €440k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.82M-€2.88M▲ 2.2%€3.50M▲ 21.5%€3.49M▼ 0.1%€4.01M▲ 14.9%
Operating result€61k-€134k▲ 120%€898k▲ 571%€-170k€45k
Net result€58k-€100k▲ 72.6%€618k▲ 515%€-3k€521k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €45k after a loss of €170k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5.50M
Fixed assets
€4.22M▲ 34.5%
Current assets
€1.28M▼ 27.7%
Equity and liabilities €5.50M
Equity
€4.01M▲ 14.9%
Provisions
€71k▼ 3.8%
Debt
€1.42M▲ 5.5%
The debt ratio falls from 27.3% to 25.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€87k▲
2023 · €-134k
Cash flow
€563k▲
2023 · €33k
Solvency
73.0%▲
2023 · 71.1%
Current ratio
14.04▲
2023 · 1.33
Quick ratio
14.04▲
2023 · 1.33
Debt / equity
0.35▼
2023 · 0.38
ROE
13.0%▲
2023 · -0.1%
ROA
9.5%▲
2023 · -0.1%
Interest coverage
1.47▲
2023 · -10.81
Debt
€1.42M▲
2023 · €1.34M
Debt ≤ 1 year
€91k▼
2023 · €1.33M
Debt > 1 year
€1.27M
Income taxes
€1k▲
2023 · €-478
Staff costs
€449▼
2023 · €1k
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€4.91M€5.50M▲
Fixed assets21/28€3.14M€4.22M▲
Tangible fixed assets22/27€3.12M€4.22M▲
Land and buildings22€1.49M€1.62M▲
Furniture and vehicles24€62k€63k▲
Other tangible fixed assets26€1.42M€1.42M=
Assets under construction and advance payments27€150k€1.12M▲
Financial fixed assets28€15k€0▼
Current assets29/58€1.77M€1.28M▼
Amounts receivable within one year40/41€17k€15k▼
Trade receivables40€10k€14k▲
Other amounts receivable41€7k€769▼
Current investments50/53€418k€621k▲
Cash at bank and in hand54/58€1.33M€643k▼
Deferred charges and accrued income490/1€7k€579▼
Equity and liabilities
Total equity and liabilities10/49€4.91M€5.50M▲
Equity10/15€3.49M€4.01M▲
Contributions10/11€245k€245k=
Reserves13€3.25M€3.77M▲
Tax-exempt reserves132€221k€213k▼
Distributable reserves133€3.03M€3.56M▲
Provisions and deferred taxes16€74k€71k▼
Deferred taxes168€74k€71k▼
Amounts payable17/49€1.34M€1.42M▲
Amounts payable after more than one year17-€1.27M
Other amounts payable178/9-€1.27M
Amounts payable within one year42/48€1.33M€91k▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€55k€84k▲
Taxes450/3€52k€81k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€1.27M€0▼
Accrued charges and deferred income492/3€12k€57k▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1k€449▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€42k▲
Other operating charges640/8€7k€24k▲
Non-recurring operating charges66A€203k€0▼
Gross operating margin9900€77k€111k▲
Operating profit (loss)9901€-170k€45k▲
Financial income75/76B€177k€534k▲
Recurring financial income75€177k€534k▲
Financial charges65/66B€12k€59k▲
Recurring financial charges65€12k€59k▲
Profit (loss) for the period before taxes9903€-6k€520k▲
Transfer from deferred taxes780€2k€3k▲
Transfer to deferred taxes680€0-
Income taxes67/77€-478€1k▲
Profit (loss) for the period9904€-3k€521k▲
Transfer from tax-exempt reserves789€7k€8k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€4k€530k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€530k▲
Transfer to equity691/2€4k€530k▲
To other reserves6921€4k€530k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €521k
Net result €521k after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 14.04
Current ratio from 1.33 to 14.04; short-term debt falls from €1.33M to €91k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼100%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2019net €618k ▲515%
Operating result €898k, net result €618k, both a record.
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2015
15-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
09-12
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Bonheiden · 1 establishment unit since 2009
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.
Nachtegalenlaan 62820 BonheidenGround area
1,099 m²
Building footprint
131 m²
Parcel 12005D0109/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
CHANSE
since 20092.182.179.207
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0109/00P000 | Flanders | 1,099 m² | 1 · 131 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 153 EUR awarded · 153 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 153 EUR | 153 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,668 companies in sector 70100 we hold annual accounts for 3,479. 1,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2009
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.