Equity
Chappter has made a profit in every financial year since 2023.
Chappter has made a profit in every financial year since 2023.
The 2024 accounts came 8 days late. The other two were filed on time.
Higher solvency than 80% of companies in computer programming and consultancy. Sector median 59.9% · 22,055 companies.
In July 2024, 39,326 companies had the same profile as Chappter has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,326 companies, not a prediction for Chappter. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| Chappter Kapelle-op-den-Bos | €131,100 | 48.3% | 84.2% | - |
| HelixIT Namur | - | - | 79.2% | - |
| SaGo Tech Putte | - | - | 6.6% | - |
| KWL TECHNOLOGIES Evere | €191,077 | 27.2% | 76.1% | - |
| KACON Aalst | €165,200 | 31.3% | 60.1% | - |
| Talos Consulting Jette | - | - | 1.2% | - |
| Design.IT Ostend | - | - | 86.3% | - |
Grey: the largest companies of the sector (computer programming and consultancy (NACE 62)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Chappter: other information technology and computer services (NACE 62900). They are comparable in size and age: total assets between €156,000 and €179,000, founded between 2022 and 2023.
Chappter files the micro format. That format states no turnover. The gross margin rose from €44,815 in 2023 to €65,267 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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