CHANTAL
ActiveSummary
CHANTAL has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€75,366) and a net result of €55,955. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 10% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+96
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.3 against 0.25 in 2024; short-term debt: 189.3% and cash: 53.9% of total assets), and 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
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 · 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
-89.8%
Return on assets
66.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 18537 sector peers (2025).
NBB · sector comparisonPosition among 18537 sector peers
Solvency
better than 10%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
28 d early
2023
23 d early
2022
21 d early
2021
11 d early
2020
31 d late
2019
18 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 13 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€75,366▲ 42.6%
2024 · -€131,321
Total assets
€83,971▼ 1.9%
2024 · €85,572
Net result
€55,955
2024 · -€10,014
Working capital
-€110,686▲ 32.1%
2024 · -€163,128
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€27,920€52,817▲ 89.2%€25,287▼ 52.1%-€9,695€60,659
Net result€27,467above the sector's middle half€51,649above the sector's middle half▲ 88.0%€24,693above the sector's middle half▼ 52.2%-€10,014below the sector's middle half€55,955above the sector's middle half
Equity-€197,649below the sector's middle half▲ 12.2%-€146,000below the sector's middle half▲ 26.1%-€121,307below the sector's middle half▲ 16.9%-€131,321below the sector's middle half▼ 8.3%-€75,366below the sector's middle half▲ 42.6%
Total assets€24,706below the sector's middle half▲ 1,216%€66,647within the sector's middle half▲ 170%€76,516within the sector's middle half▲ 14.8%€85,572within the sector's middle half▲ 11.8%€83,971within the sector's middle half▼ 1.9%
Debt€222,355▼ 2.0%€212,647▼ 4.4%€197,823▼ 7.0%€216,893▲ 9.6%€159,337▼ 26.5%
Working capital-€197,649▲ 12.2%-€146,000▲ 26.1%-€134,197▲ 8.1%-€163,128▼ 21.6%-€110,686▲ 32.1%
Solvency-800.0%below the sector's middle half-219.1%below the sector's middle half▲ 581.0pp-158.5%below the sector's middle half▲ 60.5pp-153.5%below the sector's middle half▲ 5.1pp-89.8%below the sector's middle half▲ 63.7pp
Staff (FTE)
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 returns to profit in 2025: €60,659 after a loss of €9,695 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83,971
Fixed assets
€35,720 ▲ 12.3%
Current assets
€48,251 ▼ 10.3%
Key figures and ratios
EBITDA
€67,910▲
2024 · -€2,895
Cash flow
€63,207▲
2024 · -€3,214
Current ratio
0.30▲
2024 · 0.25
Debt to equity
-2.11▼
2024 · -1.65
ROA
66.6%▲
2024 · -11.7%
Interest coverage
143.95▲
2024 · -23.62
Debt ≤ 1 year
€158,937▼
2024 · €216,893
Income taxes
€4,232▲
2024 · €197
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,799 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 3,799 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €18,000 | €3 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €651 | €6,799 | €7,251 | ▲ 6.6% |
| Other operating charges640/8 | €137 | €213 | €145 | €154 | €3,029 | ▲ 1,867% |
| Gross operating margin9900 | €28,057 | €53,030 | €26,083 | -€2,741 | €70,939 | ▲ 2,688% |
| Operating profit (loss)9901 | €27,920 | €52,817 | €25,287 | -€9,695 | €60,659 | ▲ 726% |
| Financial charges65/66B | €168 | €879 | €115 | €123 | €472 | ▲ 285% |
| Recurring financial charges65 | €167 | €879 | €115 | €123 | €472 | ▲ 285% |
| Non-recurring financial charges66B | €2 | - | - | - | €0 | - |
| Profit (loss) for the period before taxes9903 | €27,751 | €51,938 | €25,172 | -€9,817 | €60,187 | ▲ 713% |
| Income taxes67/77 | €284 | €289 | €479 | €197 | €4,232 | ▲ 2,051% |
| Profit (loss) for the period9904 | €27,467 | €51,649 | €24,693 | -€10,014 | €55,955 | ▲ 659% |
| Profit (loss) for the period to be appropriated9905 | €27,467 | €51,649 | €24,693 | -€10,014 | €55,955 | ▲ 659% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €24,706 | €66,647 | €76,516 | €85,572 | €83,971 | ▼ 1.9% |
| Fixed assets21/28 | - | - | €12,889 | €31,807 | €35,720 | ▲ 12.3% |
| Tangible fixed assets22/27 | - | - | €12,889 | €31,807 | €35,720 | ▲ 12.3% |
| Plant, machinery and equipment23 | - | - | €12,889 | €12,571 | €9,268 | ▼ 26.3% |
| Furniture and vehicles24 | - | - | - | €19,235 | €26,452 | ▲ 37.5% |
| Current assets29/58 | €24,706 | €66,647 | €63,626 | €53,765 | €48,251 | ▼ 10.3% |
| Amounts receivable within one year40/41 | €3,914 | €1,210 | €45,530 | €45,783 | €3,025 | ▼ 93.4% |
| Trade receivables40 | €3,914 | €1,210 | €5,530 | €5,725 | €3,025 | ▼ 47.2% |
| Other amounts receivable41 | - | - | €40,000 | €40,058 | - | - |
| Cash at bank and in hand54/58 | €20,791 | €65,437 | €18,096 | €7,983 | €45,226 | ▲ 467% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €24,706 | €66,647 | €76,516 | €85,572 | €83,971 | ▼ 1.9% |
| Equity10/15 | -€197,649 | -€146,000 | -€121,307 | -€131,321 | -€75,366 | ▲ 42.6% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€218,100 | -€166,451 | -€141,758 | -€151,772 | -€95,817 | ▲ 36.9% |
| Amounts payable17/49 | €222,355 | €212,647 | €197,823 | €216,893 | €159,337 | ▼ 26.5% |
| Amounts payable within one year42/48 | €222,355 | €212,647 | €197,823 | €216,893 | €158,937 | ▼ 26.7% |
| Trade debts44 | €3,181 | €1,848 | €135 | €1,204 | €732 | ▼ 39.2% |
| Suppliers440/4 | €3,181 | €1,848 | €135 | €1,204 | €732 | ▼ 39.2% |
| Taxes, remuneration and social security45 | €4,998 | €4,205 | €3,251 | €197 | €4,905 | ▲ 2,393% |
| Taxes450/3 | €4,998 | €4,205 | €3,251 | €197 | €4,905 | ▲ 2,393% |
| Other amounts payable47/48 | €214,175 | €206,594 | €194,437 | €215,492 | €153,300 | ▼ 28.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €400 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,467 | €51,649 | €24,693 | -€10,014 | €55,955 | ▲ 659% |
| + Depreciation and write-downs630 | - | - | €651 | €6,799 | €7,251 | ▲ 6.6% |
| Operating cash flow (approximation) | €27,467 | €51,649 | €25,344 | -€3,214 | €63,207 | ▲ 2,066% |
| Investment in fixed assets (approximation) | - | - | - | -€25,717 | -€11,165 | ▲ 56.6% |
| Change in cash | - | €44,645 | -€47,341 | -€10,113 | €37,243 | ▲ 468% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €55,955
Net result €55,955 after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €27,467
Net result €27,467 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €10,646
Net result €10,646 after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
02-07
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 2 acts read
About the unread acts
We know of 2 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
2 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 1977
Ground area
3,706 m²
Building footprint
460 m²
Volume, LiDAR
3,856 m³
2 parcels, Flanders · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
IJzerenleen 11, 2800 Mechelen
since 19772.013.046.146
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005B0305/00M000 | Flanders | 3,527 m² | 1 · 281 m² | 7.0 m · 2 fl. |
| 12025D0098/00B000 | Flanders | 179 m² | 1 · 179 m² | 17.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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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Lier
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded06-12-1976
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0416655679
Also
9925:BE0416655679
Registered
31-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.