CHANVRE&CO
ActiveCHANVRE&CO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €9k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.92 against 3.75 in 2024), and 23.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
76.9%
Return on assets
13.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 9 filingsDeviation from the deadline
2025
24 d late
2024
12 d late
2023
27 d late
2022
on the day
2021
26 d late
2020
11 d early
2019
1 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 16.5%
2024 · €44k
2018: €-19k
2019: €-35k
2020: €7k
2021: €2k
2022: €24k
2023: €26k
2024: €44k
2018 → 2025
Total assets
€67k▲ 21.7%
2024 · €55k
2018: €66k
2019: €45k
2020: €81k
2021: €55k
2022: €99k
2023: €64k
2024: €55k
2018 → 2025
Net result
€9k▼ 51.0%
2024 · €18k
2018: €-33k
2019: €-18k
2020: €42k
2021: €-5k
2022: €21k
2023: €2k
2024: €18k
2018 → 2025
Working capital
€45k▲ 51.6%
2024 · €30k
2018: €-24k
2019: €-41k
2020: €19k
2021: €17k
2022: €30k
2023: €18k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€24k▲ 890%€26k▲ 8.7%€44k▲ 70.6%€52k▲ 16.5%
Operating result€-3k-€28k€6k▼ 80.4%€25k▲ 350%€13k▼ 46.8%
Net result€-5k-€21k€2k▼ 90.3%€18k▲ 785%€9k▼ 51.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€6k▼ 56.1%
Current assets
€61k▲ 49.2%
Equity and liabilities €67k
Equity
€52k▲ 16.5%
Debt
€16k▲ 42.9%
The debt ratio rises from 19.7% to 23.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€22k▼
2024 · €33k
Cash flow
€17k▼
2024 · €26k
Solvency
76.9%▼
2024 · 80.3%
Current ratio
3.92▲
2024 · 3.75
Quick ratio
3.70▲
2024 · 3.44
Debt / equity
0.30▲
2024 · 0.24
ROE
17.4%▼
2024 · 41.4%
ROA
13.4%▼
2024 · 33.2%
Interest coverage
40.34▼
2024 · 54.27
Debt
€16k▲
2024 · €11k
Debt ≤ 1 year
€16k▲
2024 · €11k
Income taxes
€4k▼
2024 · €6k
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€55k€67k▲
Fixed assets21/28€14k€6k▼
Tangible fixed assets22/27€14k€6k▼
Plant, machinery and equipment23€1k€600▼
Furniture and vehicles24€13k€5k▼
Financial fixed assets28€563€563=
Current assets29/58€41k€61k▲
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€12k€22k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€8k€13k▲
Cash at bank and in hand54/58€24k€34k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€55k€67k▲
Equity10/15€44k€52k▲
Contributions10/11€19k€19k=
Reserves13€26k€33k▲
Distributable reserves133€26k€33k▲
Amounts payable17/49€11k€16k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€11k€16k▲
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€375€0▼
Other amounts payable47/48€309€1k▲
Accrued charges and deferred income492/3€0€13▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€658€636▼
Gross operating margin9900€36k€22k▼
Operating profit (loss)9901€25k€13k▼
Financial income75/76B€1€32▲
Recurring financial income75€1€32▲
Financial charges65/66B€604€536▼
Recurring financial charges65€604€536▼
Profit (loss) for the period before taxes9903€24k€13k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€18k€9k▼
Profit (loss) for the period to be appropriated9905€18k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€9k▼
Transfer to equity691/2€18k€9k▼
To other reserves6921€18k€9k▼
The notes to these accounts (13 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 3.75
Current ratio from 1.55 to 3.75; short-term debt falls from €33k to €11k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
31-12
Financial
Liquidity times 8current ratio 1.50
Current ratio from 0.20 to 1.50; short-term debt falls from €51k to €37k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Nandrin · 1 establishment unit since 2016
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.
Rue de Berleur 2c4550 NandrinGround area
1,959 m²
Building footprint
233 m²
Volume, LiDAR
1,633 m³
Parcel 61043D0270/00K000, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Berleur 2, 4550 Nandrin
since 20162.251.018.721
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043D0270/00K000 | Wallonia | 1,959 m² | 1 · 233 m² | 9.5 m · 2 fl. |
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.
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Of 4,268 companies in sector 43230 we hold annual accounts for 1,239. 1,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2016
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43910Bricklaying and masonry work
43994Specialised construction activities
46130Agents in the wholesale of timber and building materials
46869Wholesale trade
47522Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.