Chantier
ActiveSummary
Chantier has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €216,074. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 46% of 437 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+3
Solvency73▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85,000 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 2.04 in 2024; short-term debt: 31.9% and cash: 24.2% of total assets), but 51.6% of the assets are financed with debt.
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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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer 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
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
48.4%
Return on assets
9.8%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
38 d early
2023
35 d early
2022
33 d early
2021
30 d early
2020
44 d early
2019
31 d late
← 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 23 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% 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, full schema
In the rankings
#5 employer in Hainaut, Education sector#8 fastest grower in Hainaut, Education sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€216,074▲ 35.2%
2024 · €159,769
Working capital
€637,915▼ 12.3%
2024 · €727,175
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€17,721▼ 74.1%€13,300▼ 24.9%€63,616▲ 378%€171,535▲ 170%€204,077▲ 19.0%
Net result€28,961▼ 58.8%€13,924▼ 51.9%€64,518▲ 363%€159,769▲ 148%€216,074▲ 35.2%
Equity€659,330▲ 4.8%€652,309▼ 1.1%€699,637▲ 7.3%€852,505▲ 21.8%€1.1m▲ 25.0%
Total assets€2.0m▲ 2.2%€2.1m▲ 0.6%€2.4m▲ 14.1%€2.3m▼ 4.1%€2.2m▼ 2.3%
Debt€1.1m▼ 1.8%€1.1m▲ 0.9%€1.3m▲ 17.9%€1.1m▼ 21.3%€820,656▼ 22.1%
Working capital€674,849▲ 4.6%€612,390▼ 9.3%€628,645▲ 2.7%€727,175▲ 15.7%€637,915▼ 12.3%
Staff (FTE)42▲ 4.5%41.3▼ 1.7%43.9▲ 6.3%47.1▲ 7.3%48.9▲ 3.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€862,149 ▲ 4.0%
Current assets
€1.3m ▼ 5.9%
Equity and liabilities €2.2m
Equity
€1.1m ▲ 25.0%
Provisions
€317,715 ▼ 9.3%
Debt
€820,656 ▼ 22.1%
Debt's share of the balance-sheet total falls from 46.7% to 37.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€317,827▲
2024 · €291,661
Cash flow
€329,825▲
2024 · €279,896
Current ratio
1.91▼
2024 · 2.04
Quick ratio
1.90▼
2024 · 2.04
Debt to equity
0.77▼
2024 · 1.24
ROE
20.3%▲
2024 · 18.7%
ROA
9.8%▲
2024 · 7.1%
Interest coverage
296.92▲
2024 · 11.91
Debt ≤ 1 year
€704,000▲
2024 · €699,181
Debt > 1 year
€0▼
2024 · €161,009
Staff costs
€2.9m▲
2024 · €2.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 20,082 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 | €5,082 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €2.1m | €2.4m | €2.7m | €2.8m | €2.9m | ▲ 6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €134,734 | €140,318 | €145,685 | €120,126 | €113,750 | ▼ 5.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €542 | €521 | €0 | - | €26,698 | - |
| Other operating charges640/8 | €8,191 | €8,557 | €9,351 | €13,617 | €12,720 | ▼ 6.6% |
| Non-recurring operating charges66A | €61 | - | - | - | €84 | - |
| Gross operating margin9900 | €2.3m | €2.6m | €2.9m | €3.1m | €3.3m | ▲ 4.9% |
| Operating profit (loss)9901 | €17,721 | €13,300 | €63,616 | €171,535 | €204,077 | ▲ 19.0% |
| Financial income75/76B | €33,313 | €20,967 | €20,289 | €12,728 | €13,068 | ▲ 2.7% |
| Recurring financial income75 | €33,313 | €20,967 | €20,289 | €12,728 | €13,068 | ▲ 2.7% |
| Financial charges65/66B | €22,073 | €20,343 | €19,387 | €24,493 | €1,070 | ▼ 95.6% |
| Recurring financial charges65 | €22,073 | €20,343 | €19,387 | €24,493 | €1,070 | ▼ 95.6% |
| Profit (loss) for the period before taxes9903 | €28,961 | €13,924 | €64,518 | €159,769 | €216,074 | ▲ 35.2% |
| Profit (loss) for the period9904 | €28,961 | €13,924 | €64,518 | €159,769 | €216,074 | ▲ 35.2% |
| Profit (loss) for the period to be appropriated9905 | €28,961 | €13,924 | €64,518 | €159,769 | €216,074 | ▲ 35.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €2.1m | €2.4m | €2.3m | €2.2m | ▼ 2.3% |
| Fixed assets21/28 | €919,370 | €897,306 | €943,949 | €829,323 | €862,149 | ▲ 4.0% |
| Intangible fixed assets21 | €0 | €0 | - | €3,667 | €5,501 | ▲ 50.0% |
| Tangible fixed assets22/27 | €918,116 | €896,052 | €942,695 | €824,402 | €854,394 | ▲ 3.6% |
| Land and buildings22 | €751,413 | €700,398 | €811,218 | €752,609 | €716,493 | ▼ 4.8% |
| Plant, machinery and equipment23 | €91,917 | €105,350 | €84,694 | €63,564 | €58,893 | ▼ 7.3% |
| Furniture and vehicles24 | €74,785 | €90,303 | €46,783 | €8,229 | €79,009 | ▲ 860% |
| Financial fixed assets28 | €1,254 | €1,254 | €1,254 | €1,254 | €2,254 | ▲ 79.7% |
| Current assets29/58 | €1.1m | €1.2m | €1.4m | €1.4m | €1.3m | ▼ 5.9% |
| Stocks and contracts in progress3 | €5,232 | €4,082 | €9,612 | €420 | €2,453 | ▲ 484% |
| Stocks30/36 | €5,232 | €4,082 | €9,612 | €420 | €2,453 | ▲ 484% |
| Amounts receivable within one year40/41 | €437,924 | €408,516 | €640,485 | €646,758 | €747,520 | ▲ 15.6% |
| Trade receivables40 | €163,814 | €71,446 | €95,495 | €27,278 | €122,755 | ▲ 350% |
| Other amounts receivable41 | €274,111 | €337,070 | €544,990 | €619,480 | €624,765 | ▲ 0.9% |
| Cash at bank and in hand54/58 | €657,395 | €712,978 | €708,333 | €708,075 | €532,894 | ▼ 24.7% |
| Deferred charges and accrued income490/1 | €29,112 | €38,710 | €49,277 | €71,103 | €59,048 | ▼ 17.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €2.1m | €2.4m | €2.3m | €2.2m | ▼ 2.3% |
| Equity10/15 | €659,330 | €652,309 | €699,637 | €852,505 | €1.1m | ▲ 25.0% |
| Contributions10/11 | - | €177,042 | €177,042 | €177,042 | €177,042 | = |
| Capital10 | - | €177,042 | €177,042 | €177,042 | €177,042 | = |
| Reserves13 | €396,870 | €410,794 | €469,794 | €619,794 | €835,868 | ▲ 34.9% |
| Profit (loss) carried forward14 | €0 | - | €5,518 | €15,287 | €15,287 | = |
| Investment grants15 | €85,418 | €64,473 | €47,282 | €40,381 | €37,495 | ▼ 7.1% |
| Provisions and deferred taxes16 | €265,509 | €274,780 | €313,955 | €350,174 | €317,715 | ▼ 9.3% |
| Provisions for liabilities and charges160/5 | €105,000 | €105,000 | €105,000 | €131,000 | €105,000 | ▼ 19.8% |
| Major repairs and maintenance162 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Other liabilities and charges164/5 | €85,000 | €85,000 | €85,000 | €111,000 | €85,000 | ▼ 23.4% |
| Amounts payable17/49 | €1.1m | €1.1m | €1.3m | €1.1m | €820,656 | ▼ 22.1% |
| Amounts payable after more than one year17 | €484,349 | €444,964 | €404,103 | €161,009 | €0 | ▼ 100% |
| Financial debts170/4 | €484,349 | €444,964 | €404,103 | €161,009 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €454,815 | €551,895 | €779,061 | €699,181 | €704,000 | ▲ 0.7% |
| Current portion of amounts payable after more than one year42 | €37,964 | €42,871 | €44,453 | €24,186 | €0 | ▼ 100% |
| Trade debts44 | €177,853 | €221,327 | €110,591 | €106,020 | €114,642 | ▲ 8.1% |
| Suppliers440/4 | €177,853 | €221,327 | €110,591 | €106,020 | €114,642 | ▲ 8.1% |
| Advances received on contracts in progress46 | €860 | €860 | €4,531 | €1,771 | €1,771 | = |
| Taxes, remuneration and social security45 | €226,790 | €255,239 | €455,917 | €509,848 | €436,451 | ▼ 14.4% |
| Taxes450/3 | €1,200 | €0 | - | - | - | - |
| Remuneration and social security454/9 | €225,590 | €255,239 | €455,917 | €509,848 | €436,451 | ▼ 14.4% |
| Accrued charges and deferred income492/3 | €185,030 | €137,643 | €154,899 | €192,810 | €116,656 | ▼ 39.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,961 | €13,924 | €64,518 | €159,769 | €216,074 | ▲ 35.2% |
| + Depreciation and write-downs630 | €134,734 | €140,318 | €145,685 | €120,126 | €113,750 | ▼ 5.3% |
| Operating cash flow (approximation) | €163,695 | €154,242 | €210,203 | €279,896 | €329,825 | ▲ 17.8% |
| Investment in fixed assets (approximation) | - | -€118,254 | -€192,328 | -€5,501 | -€146,576 | ▼ 2,565% |
| Change in cash | - | €55,583 | -€4,645 | -€257 | -€175,181 | ▼ 67,942% |
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €216,074 ▲35.2%
Operating result €204,077, net result €216,074, both a record.
31-12
Financial
Equity above €1mEq €1.1m ▲25%
8 profitable years in a row build equity to €1.1m.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €13,924 ▼51.9%
Net result drops to €13,924, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 17 acts read
About the unread acts
We know of 17 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
17 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, Charleroi · 2 establishment units since 1983
Ground area
2,472 m²
Building footprint
457 m²
Volume, LiDAR
3,944 m³
Parcel 52393B0167/00N000, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
C.I.S.P.
since 19832.155.407.702
Crèche "Les P'tits Loups"
since 20152.245.054.112
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52393B0167/00N000 | Wallonia | 2,472 m² | 1 · 457 m² | 13.5 m · 3 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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2024 to 2025 · 5 entries · 1,436,772 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 728,690 EUR |
| 2024 | 2 | 708,081 EUR |
Budget allocations
Recognitions · licences · registrations
Recognised contractor
22 categoriesChantier ASBL31322
Food safety, FASFC
2 sitesCharleroi2.155.407.702
Charleroi2.245.054.112
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Of 3,020 companies in sector 85592 we hold annual accounts for 989. 477 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded15-11-1983
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
Contact
Website
www.eftchantier.be
E-mail
administrateur@eftchantier.be
Phone
071.560431
Fax
071.560729
Website
www.auto-ecole-sociale.beCharleroi
E-mail
direction@eftchantier.beCharleroi
Phone
071/298.844Charleroi
E-mail
contact.creche@eftchantier.beCharleroi
Phone
071298840Charleroi
E-invoicing
Reachable via Peppol
Peppol ID
0208:0428735644
Registered
13-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.