CHAPA MODE
ActiveCHAPA MODE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €4k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 55% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +39 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+70
Solvency92▼-8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 3.96 in 2024), but 51.5% 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
2 d early
2022
27 d early
2021
10 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 21.4%
2024 · €34k
2019: €23k
2020: €31k
2021: €45k
2022: €43k
2023: €40k
2024: €34k
2019 → 2025
Total assets
€55k▲ 22.1%
2024 · €45k
2019: €63k
2020: €57k
2021: €74k
2022: €56k
2023: €53k
2024: €45k
2019 → 2025
Net result
€4k
2024 · €-6k
2019: €-6k
2020: €9k
2021: €15k
2022: €-1k
2023: €-2k
2024: €-6k
2019 → 2025
Working capital
€26k▼ 20.8%
2024 · €33k
2019: €23k
2020: €32k
2021: €47k
2022: €46k
2023: €40k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€43k▼ 4.4%€40k▼ 7.1%€34k▼ 15.4%€27k▼ 21.4%
Operating result€22k-€-76€18€-5k€8k
Net result€15k-€-1k€-2k▼ 87.7%€-6k▼ 168%€4k
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: €8k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€689▼ 38.7%
Current assets
€54k▲ 23.7%
Equity and liabilities €55k
Equity
€27k▼ 21.4%
Debt
€28k▲ 155%
The debt ratio rises from 24.7% to 51.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€8k▲
2024 · €-4k
Cash flow
€4k▲
2024 · €-5k
Solvency
48.5%▼
2024 · 75.3%
Current ratio
1.92▼
2024 · 3.96
Quick ratio
1.92▼
2024 · 3.96
Debt / equity
1.06▲
2024 · 0.33
ROE
13.9%▲
2024 · -17.9%
ROA
6.8%▲
2024 · -13.5%
Interest coverage
15.28▲
2024 · -16.94
Debt
€28k▲
2024 · €11k
Debt ≤ 1 year
€28k▲
2024 · €11k
Income taxes
€3k▲
2024 · €585
Staff costs
€63k▼
2024 · €67k
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€45k€55k▲
Fixed assets21/28€1k€689▼
Tangible fixed assets22/27€1k€689▼
Furniture and vehicles24€1k€689▼
Current assets29/58€44k€54k▲
Amounts receivable within one year40/41€13k€11k▼
Trade receivables40€12k€11k▼
Other amounts receivable41€970€1▼
Cash at bank and in hand54/58€31k€43k▲
Deferred charges and accrued income490/1€227€234▲
Equity and liabilities
Total equity and liabilities10/49€45k€55k▲
Equity10/15€34k€27k▼
Contributions10/11€6k€6k=
Reserves13€13k€6k▼
Distributable reserves133€13k€6k▼
Profit (loss) carried forward14€15k€15k▲
Amounts payable17/49€11k€28k▲
Amounts payable within one year42/48€11k€28k▲
Trade debts44€183€1k▲
Suppliers440/4€183€1k▲
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€3k€9k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€1k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€67k€63k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€885€435▼
Other operating charges640/8€114€387▲
Gross operating margin9900€62k€71k▲
Operating profit (loss)9901€-5k€8k▲
Financial income75/76B€2€2▲
Recurring financial income75€2€2▲
Financial charges65/66B€257€524▲
Recurring financial charges65€257€524▲
Profit (loss) for the period before taxes9903€-5k€7k▲
Income taxes67/77€585€3k▲
Profit (loss) for the period9904€-6k€4k▲
Profit (loss) for the period to be appropriated9905€-6k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€19k▲
Profit (loss) brought forward from the previous period14P€21k€15k▼
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (4 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €15k ▲68.2%
Operating result €22k, net result €15k, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-01
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.
Directors · office · real estate
Directors
1 director, no change since 2024
VERMEIREN Pascale Gislaine
CurrentDirector · since 02-01-2024
02-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Dinant · 1 establishment unit since 2010
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 Himmer 805500 DinantGround area
327 m²
Building footprint
79 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
CHAPA MODE
since 20102.185.118.406
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030D0018/00B002 | Wallonia | 295 m² | 1 · 78 m² | - |
| 91034A0165/02D000 | Wallonia | 32 m² | - | - |
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.
Similar companies · same sector, comparable size
Belgian Football Classics
BE 1016.627.405
Herentals · Eq €27k
JUMILEO
BE 1015.356.111
Lierde · Eq €27k
L'OPERA
BE 0810.269.308
Aarschot · Eq €27k
THRIFT STORE
BE 0788.459.748
Brussel · Eq €26k
BRANDZ MODEAGENTUREN
BE 0846.090.517
Antwerpen · Eq €26k
Of 1,268 companies in sector 46160 we hold annual accounts for 682. 473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2010
Fiscal year end30-06
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47789Other retail sale of new goods
47513Retail trade
47519Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.