CHAPI CONSULT
ActiveSummary
The annual accounts of CHAPI CONSULT for financial year 2025 show a net loss of 151% of total assets and of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €5,562 and a net result of -€10,812. Equity is shrinking by about 34% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 75% of 39,068 sector peers (NACE 70, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €5,562
- Loss
- -€10,812
- Patrick DebrucheDirector
- Benoît SferruggiaDirector
- Romain SchulpenDirector
Why 54raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €10,812, the second in a row (financial year 2025)lowers riskSize: total assets €7,147Sector: Activities of head offices; management consultancy activities (NACE 70)Figures for financial year 2025 (filed 22-12-2025)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 86% on solvency, 36% on liquidity, 4% on profitability and 10% on growth.
The bankruptcy probability was computed on 21-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 36 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Appointments: Benoît Sferruggia (director) and Romain…Resignation: Mathieu Debruche (director) ·…
- Resignation: Bérénice Chef (director)Appointments: Patrick Debruche (director) and…
- Annual accounts filedfinancial year 2025 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result stays negative: a loss of €3,549 in 2025 against €6,236 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88.1% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% 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 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 4,805 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.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €150 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,574 | €2,625 | €1,345 | €2,966 | €9,884 | €10,164 | €0 | ▼ 100% |
| Other operating charges640/8 | - | - | - | €156 | €410 | €446 | €449 | ▲ 0.6% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €1,137 | - |
| Gross operating margin9900 | €51,938 | -€27,821 | €51,008 | -€17,222 | €12,963 | €4,374 | -€1,963 | - |
| Operating profit (loss)9901 | €38,269 | -€33,587 | €49,429 | -€20,344 | €2,669 | -€6,236 | -€3,549 | ▲ 43.1% |
| Financial income75/76B | - | - | - | €2,026 | €3,097 | €20 | €197 | ▲ 877% |
| Recurring financial income75 | €12 | - | €400 | €2,026 | €3,097 | €20 | €197 | ▲ 877% |
| Financial charges65/66B | - | - | - | €539 | €1,164 | €2,001 | €7,320 | ▲ 266% |
| Recurring financial charges65 | €1,939 | €1,125 | €1,978 | €539 | €1,164 | €2,001 | €2,053 | ▲ 2.6% |
| Non-recurring financial charges66B | - | - | - | - | - | - | €5,267 | - |
| Profit (loss) for the period before taxes9903 | €36,343 | -€34,711 | €47,851 | -€18,857 | €4,602 | -€8,217 | -€10,673 | ▼ 29.9% |
| Income taxes67/77 | €10,040 | €161 | €4,773 | €15 | €2,530 | €134 | €139 | ▲ 3.6% |
| Profit (loss) for the period9904 | €26,302 | -€34,872 | €43,078 | -€18,872 | €2,072 | -€8,352 | -€10,812 | ▼ 29.5% |
| Profit (loss) for the period to be appropriated9905 | €26,302 | -€34,872 | €43,078 | -€18,872 | €2,072 | -€8,352 | -€10,812 | ▼ 29.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €101,761 | €44,448 | €122,359 | €69,929 | €70,160 | €45,685 | €7,147 | ▼ 84.4% |
| Fixed assets21/28 | €49,281 | €29,129 | €6,774 | €44,742 | €34,858 | €28,069 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €49,281 | €29,129 | €6,774 | €44,742 | €34,858 | €27,719 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | €38,538 | €30,397 | €25,002 | €0 | ▼ 100% |
| Other tangible fixed assets26 | - | - | - | €6,204 | €4,461 | €2,717 | €0 | ▼ 100% |
| Financial fixed assets28 | - | - | - | - | - | €350 | €0 | ▼ 100% |
| Current assets29/58 | €52,480 | €15,319 | €115,584 | €25,187 | €35,302 | €17,615 | €7,147 | ▼ 59.4% |
| Amounts receivable within one year40/41 | €14,311 | €6,557 | €51,493 | €13,349 | €19,943 | €9,713 | €6,575 | ▼ 32.3% |
| Trade receivables40 | - | - | - | €8,328 | €19,593 | €8,530 | €2,582 | ▼ 69.7% |
| Other amounts receivable41 | - | - | - | €5,021 | €350 | €1,183 | €3,993 | ▲ 238% |
| Cash at bank and in hand54/58 | €36,981 | €8,287 | €63,985 | €11,574 | €15,278 | €7,709 | €465 | ▼ 94.0% |
| Deferred charges and accrued income490/1 | - | - | - | €264 | €81 | €193 | €107 | ▼ 44.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €101,761 | €44,448 | €122,359 | €69,929 | €70,160 | €45,685 | €7,147 | ▼ 84.4% |
| Equity10/15 | €62,754 | €27,882 | €41,526 | €22,654 | €24,726 | €16,374 | €5,562 | ▼ 66.0% |
| Contributions10/11 | €12,400 | - | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €49,794 | €49,794 | €27,360 | €27,360 | €27,360 | €25,500 | €25,500 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €25,500 | €25,500 | €25,500 | €25,500 | = |
| Profit (loss) carried forward14 | €560 | -€34,312 | €1,766 | -€17,106 | -€15,034 | -€21,526 | -€32,338 | ▼ 50.2% |
| Amounts payable17/49 | €39,007 | €16,567 | €80,833 | €47,276 | €45,434 | €29,311 | €1,584 | ▼ 94.6% |
| Amounts payable after more than one year17 | €19,361 | €4,121 | €324 | €27,355 | €20,650 | €13,757 | €0 | ▼ 100% |
| Financial debts170/4 | - | - | - | €27,355 | €20,650 | €13,757 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €16,946 | €9,696 | €79,609 | €19,920 | €24,784 | €15,554 | €1,584 | ▼ 89.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,847 | €6,705 | €6,893 | €0 | ▼ 100% |
| Trade debts44 | €1,327 | €403 | €41,216 | €5,336 | €8,168 | €246 | €1,202 | ▲ 389% |
| Suppliers440/4 | - | - | - | €5,336 | €8,168 | €246 | €1,202 | ▲ 389% |
| Taxes, remuneration and social security45 | - | - | - | €15 | €6,478 | €8,415 | €383 | ▼ 95.5% |
| Taxes450/3 | - | - | - | €15 | €6,228 | €6,365 | €383 | ▼ 94.0% |
| Remuneration and social security454/9 | - | - | - | - | €250 | €2,050 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €7,722 | €3,432 | €0 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,302 | -€34,872 | €43,078 | -€18,872 | €2,072 | -€8,352 | -€10,812 | ▼ 29.5% |
| + Depreciation and write-downs630 | €12,574 | €2,625 | €1,345 | €2,966 | €9,884 | €10,164 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €38,877 | -€32,248 | €44,423 | -€15,906 | €11,956 | €1,812 | -€10,812 | - |
| Investment in fixed assets (approximation) | - | €17,528 | €21,010 | -€40,934 | €0 | -€3,375 | €28,069 | - |
| Change in cash | - | -€28,695 | €55,698 | -€52,411 | €3,703 | -€7,568 | -€7,245 | ▲ 4.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 22-12-2025 | 2025-00587198 |
| 30-06-2024 | micro format | 28-01-2025 | 2025-00011705 |
| 30-06-2023 | micro format | 23-10-2023 | 2023-00490259 |
| 30-06-2022 | micro format | 07-03-2023 | 2023-00038197 |
| 30-06-2021 | micro format | 02-02-2022 | 2022-04500383 |
| 30-06-2020 | micro format | 13-10-2020 | 2020-61300393 |
| 30-06-2019 | micro format | 23-12-2019 | 2019-77100554 |
| 30-06-2018 | micro format | 29-11-2018 | 2018-73200196 |
| 30-06-2017 | micro format | 23-01-2018 | 2018-02000509 |
| 30-06-2016 | full format | 15-09-2016 | 2016-60000129 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Patrick Debruche |
|
| Benoît Sferruggia |
|
| Romain Schulpen |
|
| Mathieu Debruche |
|
| Bérénice Chef |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 connected companiesThe connected companies are in the list below.
History
Acts, filings and financial milestones
28-08
Gazette deed
Appointments: Benoît Sferruggia (director) and Romain Schulpen (director)Resignation: Mathieu Debruche (director) · Declaration5 facts ▸
- General meeting, 14-05-2026
- Director appointment, Benoît Sferruggia (director)
- Director appointment, Romain Schulpen (director)
- Director resignation, Mathieu Debruche (director)
- Declaration, acceptatie benoeming en voldoening aan wettelijke en statutaire voorwaarden (2 times)
17-02
Gazette deed
Resignation: Bérénice Chef (director)Appointments: Patrick Debruche (director) and Mathieu Debruche (director) · Declaration · Power of attorney9 facts ▸
- General meeting, 10-11-2025
- Director resignation, Bérénice Chef (director)
- Director appointment, Patrick Debruche (director)
- Director appointment, Mathieu Debruche (director)
- Declaration, acceptation of appointment and compliance with legal and statutory requirements (2 times)
- Power of attorney, Patrick Debruche
- Power of attorney, Mathieu Debruche
- Power of attorney, Christophe Counotte (vertegenwoordiger van de bv counteo, gedelegeerd bestuurder van de bv klever)
- Other provision, form instruction for signature block on last page of Luik B, does not apply to acts of type Mededelingen
Show earlier events
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 22 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73075A0584/00C000 | Flanders | 1,359 m² | 1 · 158 m² | 7.9 m · 2 |