CHAPERON
ActiveCHAPERON has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €57k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 22% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency40▲+40
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.11 in 2024; short-term debt: 84.7% and cash: 0.3% of total assets), and 84.7% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
15.3%
Return on assets
67.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
7 d early
2023
23 d late
2022
31 d late
2021
31 d late
2020
37 d early
2019
122 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k
2024 · €-16k
2018: €-78k
2019: €-24k
2020: €-61k
2021: €-79k
2022: €-69k
2023: €-68k
2024: €-16k
2018 → 2025
Total assets
€85k▲ 392%
2024 · €17k
2018: €186k
2019: €236k
2020: €157k
2021: €137k
2022: €1k
2023: €1k
2024: €17k
2018 → 2025
Net result
€57k▲ 8.9%
2024 · €52k
2018: €-49k
2019: €54k
2020: €-38k
2021: €-18k
2022: €10k
2023: €654
2024: €52k
2018 → 2025
Working capital
€-5k▲ 83.0%
2024 · €-30k
2018: €-81k
2019: €-32k
2020: €-68k
2021: €-80k
2022: €-64k
2023: €-69k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-79k-€-69k▲ 12.8%€-68k▲ 0.9%€-16k▲ 76.5%€13k
Operating result€-25k-€12k€950▼ 92.1%€56k▲ 5,790%€74k▲ 32.1%
Net result€-18k-€10k€654▼ 93.6%€52k▲ 7,913%€57k▲ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€18k▲ 33.1%
Current assets
€67k▲ 1,699%
Equity and liabilities €85k
Equity
€13k
Debt
€72k
Debt finances 84.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€78k▲
2024 · €56k
Cash flow
€61k▲
2024 · €53k
Solvency
15.3%▲
2024 · -93.0%
Current ratio
0.93▲
2024 · 0.11
Quick ratio
0.93▲
2024 · 0.11
Debt / equity
5.54▲
2024 · -2.08
ROE
439.1%
ROA
67.1%▼
2024 · 303.2%
Interest coverage
62.42▲
2024 · 15.78
Debt
€72k▲
2024 · €33k
Debt ≤ 1 year
€72k▲
2024 · €33k
Income taxes
€16k▲
2024 · €0
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€17k€85k▲
Fixed assets21/28€14k€18k▲
Tangible fixed assets22/27€14k€18k▲
Plant, machinery and equipment23€14k€18k▲
Current assets29/58€4k€67k▲
Amounts receivable within one year40/41-€67k
Trade receivables40-€471
Other amounts receivable41-€66k
Cash at bank and in hand54/58€4k€268▼
Equity and liabilities
Total equity and liabilities10/49€17k€85k▲
Equity10/15€-16k€13k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-28k€592▲
Amounts payable17/49€33k€72k▲
Amounts payable within one year42/48€33k€72k▲
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€8k€19k▲
Taxes450/3€8k€19k▲
Other amounts payable47/48€16k€28k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€310€4k▲
Other operating charges640/8€2k€0▼
Gross operating margin9900€58k€78k▲
Operating profit (loss)9901€56k€74k▲
Financial income75/76B-€568
Recurring financial income75-€568
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€52k€73k▲
Income taxes67/77€0€16k▲
Profit (loss) for the period9904€52k€57k▲
Profit (loss) for the period to be appropriated9905€52k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€29k▲
Profit (loss) brought forward from the previous period14P€-81k€-28k▲
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €57k ▲8.9%
Operating result €74k, net result €57k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lochristi · 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.
Kwartelweg 29080 LochristiGround area
921 m²
Building footprint
174 m²
Parcel 44034C0051/00L004, Flanders. Linked by address, not a title deed.
1 establishment unit
CHAPERON
since 20162.259.012.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0051/00L004 | Flanders | 921 m² | 1 · 174 m² | - |
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.
Similar companies · same sector, comparable size
NICO - JOINT
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TOIT & ALEX
BE 1024.860.923
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RD PROGRES
BE 1009.070.313
Drogenbos · Eq €13k
GMARRA CONSTRUCTION
BE 0775.475.903
Manage · Eq €13k
TOTALE RENOVATIE SAM LINGIER
BE 0795.647.547
Middelkerke · Eq €13k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.