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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe 2024 annual accounts show equity of €92k and a net result of €-13k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 6574 sector peers (fiscal year 2024).
Based on the State Gazette, CBE and 3 annual accounts.
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 6574 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 04-08-2025 | 4 d late | 2025-00359028 |
| 31-12-2023 | 31-07-2024 | 26-08-2024 | 26 d late | 2024-00377419 |
| 31-12-2022 | 31-07-2023 | 04-07-2023 | 27 d early | 2023-00205898 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
The KBO publications could not be read just now, so at this moment we do not know whether there are strikeouts.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-13k
Working capital€-130k-6.4%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 04-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 18.9% | 66.7% | |
| Net result | €-13k | €46k | |
| Equity | €92k | €79k | |
| Gross operating margin | €153k | €78k | |
| Staff costs | €130k | €21k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P16
Stable position over 2022-2024
· n=3668-6574
P5
Weakening position over 2022-2024
· n=3666-6568
P55
Stable position over 2022-2024
· n=3668-6574
P76
Weakening position over 2022-2024
· n=3664-6576
Describes the position versus peers, not a forecast.
€20k
-74.6%
22-24
€-13k
-
22-24
€13k
-75.5%
22-24
€487k
-4.1%
22-24
€92k
-12.0%
22-24
€-130k
-6.4%
22-24
3
+180.0%
22-24
€130k
+53.9%
22-24
€384
-97.6%
22-24
€395k
-2.0%
22-24
€186k
+5.5%
22-24
€209k
-7.9%
22-24
0.30
-2.0%
22-24
0.30
-2.0%
22-24
18.9%
-8.3%
22-24
4.30
+11.4%
22-24
-13.7%
-
22-24
-2.6%
-
22-24
3.17
-68.8%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €20k |
| Net profit | €-13k |
| Cash flow | €13k |
| Staff costs | €130k |
| Income taxes | €384 |
| Dividends | - |
| Total assets | €487k |
| Equity | €92k |
| Debt | €395k |
| of which ≤ 1y | €186k |
| of which > 1y | €209k |
| Working capital | €-130k |
| Employees (FTE) | 2.8 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.30 |
| Quick ratio | 0.30 |
| Working capital ratio | -26.8% |
| Solvency | 18.9% |
| Debt / equity | 4.30 |
| Long-term debt ratio | 2.27 |
| Interest coverage | 3.17 |
| Gross margin | - |
| Net margin | - |
| ROA | -2.6% |
| ROE | -13.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €487k |
| Fixed assets | 21/28 | €432k |
| Tangible fixed assets | 22/27 | €431k |
| Financial fixed assets | 28 | €363 |
| Current assets | 29/58 | €56k |
| Amounts receivable within one year | 40/41 | €17k |
| Cash & bank | 54/58 | €12k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €487k |
| Equity | 10/15 | €92k |
| Contributions / capital | 10/11 | €6k |
| Accumulated profits (losses) | 14 | €86k |
| Amounts payable | 17/49 | €395k |
| Amounts payable after one year | 17 | €209k |
| Amounts payable within one year | 42/48 | €186k |
| Trade debts payable within one year | 44 | €70k |
| Income statement | ||
| Gross operating margin | 9900 | €153k |
| Operating result | 9901 | €-6k |
| Financial income | 75 | €34 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-12k |
| Income taxes | 67/77 | €384 |
| Net result for the period | 9904 | €-13k |
| Result to be appropriated | 9905 | €-13k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed20
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
3 locationsCHAPEL'SOINS
since 20212.317.782.237
CHAPEL’SOINS
since 20212.343.388.158
Les soins de Lucia
since 20232.343.388.257
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,018 m²
Buildings2
Building footprint270 m²
Volume (LiDAR)1,778 m³
Tallest building10.2 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010B0130/00R004 | Wallonia | 710 m² | 1 · 202 m² | 7.6 m · 2 fl. |
| 52010B0246/00W003 | Wallonia | 308 m² | 1 · 67 m² | 10.2 m · 3 fl. |
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.
Publications
Lifecycle & Insolvency Signals
The insolvency source could not be read just now. That is not reassurance: at this moment we do not know whether there are signals.
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Snowflake analysis
financial profile on 5 axes21
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: stability. An unmeasured axis is not a zero: no data was read for it.
Health
20
Profitability
0
Solvency
13
Growth
52
Stability
-
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verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorNo comparable company found.
We hold annual accounts for 731 of the 5,944 companies in this sector. 608 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Verpleegkundige activiteiten86906Activiteiten van verpleegkundigen en verloskundigen86940
Primary activity highlighted.
Names & trade names
| Legal nameFR | CHAPEL’SOINS |
Registered office
Rue des Viviers 12
7160 Chapelle-lez-Herlaimont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.