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CHANTO

Active
Private limited companyfounded 20242 yrs activeAv. William et Philippe Grisard 1, 4050 Chaudfontaine, BelgiumKBO/BCE: BE 1008.058.048
Summary

The computed 12-month bankruptcy probability of CHANTO is 4.2% (elevated). The 2025 annual accounts show equity of €33,860 and a net result of €5,573. Its solvency ranks better than 68% of 13604 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability79▼-21
Solvency76▲+7
Growth52
Track record82
Bankruptcy probability, 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.88 against 0.6 in 2024; short-term debt: 49.3% and cash: 11% of total assets), and 49.3% of the assets are financed with debt.
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Signals

Five 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
50.7%
Return on assets
8.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 2 filings
Deviation from the deadline
2025
26 d late
2024
22 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 24 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 5 April 2024, CHANTO was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€33,860▲ 19.7%
2024 · €28,287
Total assets
€66,727▲ 3.2%
2024 · €64,627
Net result
€5,573▼ 72.5%
2024 · €20,287
Working capital
-€3,935▲ 73.0%
2024 · -€14,579
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
Line20242025
Operating result€24,916-€7,285▼ 70.8%
Net result€20,287within the sector's middle half-€5,573within the sector's middle half▼ 72.5%
Equity€28,287within the sector's middle half-€33,860within the sector's middle half▲ 19.7%
Total assets€64,627within the sector's middle half-€66,727within the sector's middle half▲ 3.2%
Debt€36,340-€32,867▼ 9.6%
Working capital-€14,579within the sector's middle half--€3,935within the sector's middle half▲ 73.0%
Solvency43.8%within the sector's middle half-50.7%within the sector's middle half▲ 7.0pp
Current ratio0.60within the sector's middle half-0.88within the sector's middle half▲ 0.28
Return on assets (ROA)31.4%above the sector's middle half-8.4%within the sector's middle half▼ 23.0pp
Staff (FTE)4.7
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
€0€10,000€20,000Operating result 2024: €24,916€24,916Net result 2024: €20,287€20,287Operating result 2025: €7,285€7,285Net result 2025: €5,573€5,57320242025€0€10,000€20,000Operating result 2024: €24,916€24,900Net result 2024: €20,287€20,300Operating result 2025: €7,285€7,280Net result 2025: €5,573€5,57020242025
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66,727
Fixed assets €37,795 ▼ 11.8%
Current assets €28,932 ▲ 33.0%
Equity and liabilities €66,727
Equity €33,860 ▲ 19.7%
Debt €32,867 ▼ 9.6%
Debt's share of the balance-sheet total falls from 56.2% to 49.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€13,881▼
2024 · €29,140
Cash flow
€12,169▼
2024 · €24,511
Quick ratio
0.50▼
2024 · 0.55
Debt to equity
0.97▼
2024 · 1.28
ROE
16.5%▼
2024 · 71.7%
Interest coverage
65.46▼
2024 · 70.02
Debt ≤ 1 year
€32,867▼
2024 · €36,340
Income taxes
€1,751▼
2024 · €4,230
Staff costs
€23,314
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.7%
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 75% 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 39,276 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€64,627€66,727▲
Fixed assets21/28€42,866€37,795▼
Tangible fixed assets22/27€42,866€37,795▼
Plant, machinery and equipment23€7,899€6,103▼
Furniture and vehicles24€8,146€7,746▼
Other tangible fixed assets26€26,821€23,945▼
Current assets29/58€21,761€28,932▲
Stocks and contracts in progress3€1,850€12,542▲
Stocks30/36€1,850€12,542▲
Amounts receivable within one year40/41€1,346€9,049▲
Trade receivables40€1,248€364▼
Other amounts receivable41€98€8,685▲
Cash at bank and in hand54/58€18,483€7,342▼
Deferred charges and accrued income490/1€82-
Equity and liabilities
Total equity and liabilities10/49€64,627€66,727▲
Equity10/15€28,287€33,860▲
Contributions10/11€8,000€8,000=
Profit (loss) carried forward14€20,287€25,860▲
Amounts payable17/49€36,340€32,867▼
Amounts payable within one year42/48€36,340€32,867▼
Trade debts44€25,677€20,860▼
Suppliers440/4€25,677€20,860▼
Taxes, remuneration and social security45€7,951€11,958▲
Taxes450/3€7,951€10,767▲
Remuneration and social security454/9-€1,191
Other amounts payable47/48€2,711€50▼
Income statement Code20242025
Remuneration, social security and pensions62-€23,314
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,224€6,597▲
Other operating charges640/8€49€512▲
Gross operating margin9900€29,189€37,707▲
Operating profit (loss)9901€24,916€7,285▼
Financial income75/76B€17€251▲
Recurring financial income75€17€251▲
Financial charges65/66B€416€212▼
Recurring financial charges65€416€212▼
Profit (loss) for the period before taxes9903€24,517€7,323▼
Income taxes67/77€4,230€1,751▼
Profit (loss) for the period9904€20,287€5,573▼
Profit (loss) for the period to be appropriated9905€20,287€5,573▼
Appropriation of the result
Profit (loss) to be appropriated9906€20,287€25,860▲
Profit (loss) brought forward from the previous period14P-€20,287

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62-€23,314-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,224€6,597▲ 56.2%
Other operating charges640/8€49€512▲ 949%
Gross operating margin9900€29,189€37,707▲ 29.2%
Operating profit (loss)9901€24,916€7,285▼ 70.8%
Financial income75/76B€17€251▲ 1,393%
Recurring financial income75€17€251▲ 1,393%
Financial charges65/66B€416€212▼ 49.0%
Recurring financial charges65€416€212▼ 49.0%
Profit (loss) for the period before taxes9903€24,517€7,323▼ 70.1%
Income taxes67/77€4,230€1,751▼ 58.6%
Profit (loss) for the period9904€20,287€5,573▼ 72.5%
Profit (loss) for the period to be appropriated9905€20,287€5,573▼ 72.5%
Line20242025Change
Assets
Total assets20/58€64,627€66,727▲ 3.2%
Fixed assets21/28€42,866€37,795▼ 11.8%
Tangible fixed assets22/27€42,866€37,795▼ 11.8%
Plant, machinery and equipment23€7,899€6,103▼ 22.7%
Furniture and vehicles24€8,146€7,746▼ 4.9%
Other tangible fixed assets26€26,821€23,945▼ 10.7%
Current assets29/58€21,761€28,932▲ 33.0%
Stocks and contracts in progress3€1,850€12,542▲ 578%
Stocks30/36€1,850€12,542▲ 578%
Amounts receivable within one year40/41€1,346€9,049▲ 572%
Trade receivables40€1,248€364▼ 70.9%
Other amounts receivable41€98€8,685▲ 8,744%
Cash at bank and in hand54/58€18,483€7,342▼ 60.3%
Deferred charges and accrued income490/1€82--
Equity and liabilities
Total equity and liabilities10/49€64,627€66,727▲ 3.2%
Equity10/15€28,287€33,860▲ 19.7%
Contributions10/11€8,000€8,000=
Profit (loss) carried forward14€20,287€25,860▲ 27.5%
Amounts payable17/49€36,340€32,867▼ 9.6%
Amounts payable within one year42/48€36,340€32,867▼ 9.6%
Trade debts44€25,677€20,860▼ 18.8%
Suppliers440/4€25,677€20,860▼ 18.8%
Taxes, remuneration and social security45€7,951€11,958▲ 50.4%
Taxes450/3€7,951€10,767▲ 35.4%
Remuneration and social security454/9-€1,191-
Other amounts payable47/48€2,711€50▼ 98.2%
Line20242025Change
Profit (loss) for the period9904€20,287€5,573▼ 72.5%
+ Depreciation and write-downs630€4,224€6,597▲ 56.2%
Operating cash flow (approximation)€24,511€12,169▼ 50.4%
Investment in fixed assets (approximation)--€1,525-
Change in cash--€11,141-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
26-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
22-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
NBB filing

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Chaudfontaine · 1 establishment unit since 2024
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.

Av. William et Philippe Grisard 14050 Chaudfontaine
1 establishment unit
Le Coin - bistro à partager
Av. William et Philippe Grisard 1, 4050 ChaudfontaineManufacture of food products
since 20242.357.946.571

Recognitions · licences · registrations

Food safety, FASFC

1 site
Chaudfontaine2.357.946.571
1 permission
Drankgelegenheid · since 05-04-2024

Similar companies · same sector, comparable size

Of 21,859 companies in sector 56112 we hold annual accounts for 9,782. 8,434 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
Founded05-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID 0208:1008058048
Registered 23-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.