Chantal Schapendonk
ActiveChantal Schapendonk has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €410k and a net result of €279. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency75▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.16 in 2024; short-term debt: 27.6% and cash: 3.3% of total assets), and 49.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
50.1%
Return on assets
0%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
29 d late
2023
29 d late
2022
25 d late
2021
61 d late
2020
24 d late
2019
27 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€410k▲ 0.1%
2024 · €409k
2018: €152k
2019: €189k
2020: €166k
2021: €413k
2022: €395k
2023: €396k
2024: €409k
2018 → 2025
Total assets
€817k▼ 3.8%
2024 · €849k
2018: €376k
2019: €556k
2020: €943k
2021: €958k
2022: €907k
2023: €873k
2024: €849k
2018 → 2025
Net result
€279▼ 98.0%
2024 · €14k
2018: €-18k
2019: €37k
2020: €-23k
2021: €247k
2022: €-19k
2023: €824
2024: €14k
2018 → 2025
Working capital
€-197k▼ 1.4%
2024 · €-195k
2018: €-93k
2019: €-263k
2020: €-312k
2021: €-191k
2022: €-209k
2023: €-210k
2024: €-195k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€413k-€395k▼ 4.5%€396k▲ 0.2%€409k▲ 3.5%€410k▲ 0.1%
Operating result€369k-€-19k€-494▲ 97.4%€12k€-2k
Net result€247k-€-19k€824€14k▲ 1,561%€279▼ 98.0%
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 €2k after €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €817k
Fixed assets
€788k▼ 3.0%
Current assets
€29k▼ 21.7%
Equity and liabilities €817k
Equity
€410k▲ 0.1%
Provisions
€91k▼ 4.8%
Debt
€316k▼ 8.0%
The debt ratio falls from 40.5% to 38.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €57k
Cash flow
€46k▼
2024 · €59k
Solvency
50.1%▲
2024 · 48.2%
Current ratio
0.13▼
2024 · 0.16
Quick ratio
0.13▼
2024 · 0.16
Debt / equity
0.77▼
2024 · 0.84
ROE
0.1%▼
2024 · 3.3%
ROA
0.0%▼
2024 · 1.6%
Interest coverage
16.12▼
2024 · 23.88
Debt
€316k▼
2024 · €344k
Debt ≤ 1 year
€226k▼
2024 · €231k
Debt > 1 year
€90k▼
2024 · €113k
Staff costs
€2k▲
2024 · €96
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€849k€817k▼
Fixed assets21/28€812k€788k▼
Tangible fixed assets22/27€812k€788k▼
Land and buildings22€808k€785k▼
Plant, machinery and equipment23€360€1k▲
Furniture and vehicles24€4k€2k▼
Current assets29/58€36k€29k▼
Cash at bank and in hand54/58€34k€27k▼
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€849k€817k▼
Equity10/15€409k€410k▲
Contributions10/11€74k€74k=
Reserves13€534k€521k▼
Tax-exempt reserves132€287k€273k▼
Distributable reserves133€247k€247k=
Profit (loss) carried forward14€-199k€-185k▲
Provisions and deferred taxes16€96k€91k▼
Deferred taxes168€96k€91k▼
Amounts payable17/49€344k€316k▼
Amounts payable after more than one year17€113k€90k▼
Financial debts170/4€113k€90k▼
Amounts payable within one year42/48€231k€226k▼
Current portion of amounts payable after more than one year42€32k€23k▼
Trade debts44€17k€3k▼
Suppliers440/4€17k€3k▼
Other amounts payable47/48€182k€200k▲
Income statement
Code20242025
Remuneration, social security and pensions62€96€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€45k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€59k€51k▼
Operating profit (loss)9901€12k€-2k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€9k€-4k▼
Transfer from deferred taxes780€5k€5k=
Profit (loss) for the period9904€14k€279▼
Transfer from tax-exempt reserves789€14k€14k=
Profit (loss) for the period to be appropriated9905€27k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-199k€-185k▲
Profit (loss) brought forward from the previous period14P€-227k€-199k▲
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €824
Net result €824 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €247k
Net result €247k after one loss-making year.
31-12
Financial
Equity above €200kEq €413k ▲149%
Equity rises from €166k to €413k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-23k ▼162%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Opwijk · 1 establishment unit since 1992
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.
Costershof 51745 OpwijkGround area
1,573 m²
Building footprint
370 m²
Volume, LiDAR
1,330 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schoolstraat 72, 1745 Opwijk
since 19922.059.284.759
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060B0698/00A004 | Flanders | 978 m² | 1 · 224 m² | 9.8 m · 2 fl. |
| 23060B0670/00M000 | Flanders | 596 m² | 1 · 145 m² | 0.2 m |
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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EUROVENTES
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-1992
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.