CHAPYM
ActiveCHAPYM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €120k and a net result of €40k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 66% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability99▼-1
Solvency98▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 3.25 in 2023; short-term debt: 27.5% and cash: 95.8% of total assets), and 27.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
40 d early
2022
39 d early
2021
33 d early
2020
39 d early
2019
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€120k▲ 26.5%
2023 · €95k
2018: €53k
2019: €70k
2020: €66k
2021: €72k
2022: €82k
2023: €95k
2018 → 2024
Total assets
€166k▲ 23.8%
2023 · €134k
2018: €107k
2019: €81k
2020: €106k
2021: €121k
2022: €125k
2023: €134k
2018 → 2024
Net result
€40k▲ 20.0%
2023 · €34k
2018: €12k
2019: €17k
2020: €21k
2021: €6k
2022: €29k
2023: €34k
2018 → 2024
Working capital
€114k▲ 30.4%
2023 · €88k
2018: €26k
2019: €46k
2020: €62k
2021: €70k
2022: €73k
2023: €88k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€66k-€72k▲ 9.8%€82k▲ 13.1%€95k▲ 16.6%€120k▲ 26.5%
Operating result€28k-€14k▼ 51.4%€44k▲ 223%€47k▲ 6.7%€57k▲ 20.2%
Net result€21k-€6k▼ 69.0%€29k▲ 356%€34k▲ 14.0%€40k▲ 20.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 20% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €166k
Fixed assets
€6k▼ 18.5%
Current assets
€160k▲ 26.2%
Equity and liabilities €166k
Equity
€120k▲ 26.5%
Debt
€46k▲ 16.9%
The debt ratio falls from 29.1% to 27.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€61k▲
2023 · €51k
Cash flow
€45k▲
2023 · €37k
Solvency
72.5%▲
2023 · 70.9%
Current ratio
3.51▲
2023 · 3.25
Quick ratio
3.51▲
2023 · 3.25
Debt / equity
0.38▼
2023 · 0.41
ROE
33.4%▼
2023 · 35.3%
ROA
24.3%▼
2023 · 25.0%
Interest coverage
288.17▲
2023 · 112.65
Debt
€46k▲
2023 · €39k
Debt ≤ 1 year
€46k▲
2023 · €39k
Income taxes
€16k▲
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€134k€166k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€7k€4k▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€88€88=
Current assets29/58€127k€160k▲
Amounts receivable within one year40/41€959-
Trade receivables40€959-
Cash at bank and in hand54/58€124k€159k▲
Deferred charges and accrued income490/1€1k€853▼
Equity and liabilities
Total equity and liabilities10/49€134k€166k▲
Equity10/15€95k€120k▲
Contributions10/11€8k€8k=
Reserves13€54k€79k▲
Distributable reserves133€54k€79k▲
Profit (loss) carried forward14€33k€33k▲
Amounts payable17/49€39k€46k▲
Amounts payable within one year42/48€39k€46k▲
Trade debts44€411€3k▲
Suppliers440/4€411€3k▲
Taxes, remuneration and social security45€10k€18k▲
Taxes450/3€10k€16k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€29k€24k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€980€1k▲
Gross operating margin9900€52k€62k▲
Operating profit (loss)9901€47k€57k▲
Financial income75/76B€22-
Recurring financial income75€22-
Financial charges65/66B€454€213▼
Recurring financial charges65€454€213▼
Profit (loss) for the period before taxes9903€47k€57k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€34k€40k▲
Profit (loss) for the period to be appropriated9905€34k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€73k▼
Profit (loss) brought forward from the previous period14P€44k€33k▼
Transfer to equity691/2€25k€25k=
To other reserves6921€25k€25k=
Profit to be distributed694/7€20k€15k▼
Return on contributions (dividend)694€20k€15k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €40k ▲20%
Operating result €57k, net result €40k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲26.5%
7 profitable years in a row build equity to €120k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €6k ▼69%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 5.33
Current ratio from 1.49 to 5.33; short-term debt falls from €54k to €11k.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
16-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Lasne · 1 establishment unit since 2009
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 de Céroux 31380 LasneGround area
2,518 m²
Building footprint
241 m²
Volume, LiDAR
621 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route de Beaumont 51, 1380 Lasne
since 20092.182.579.083
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25024B0075/00R000 | Wallonia | 1,600 m² | 1 · 111 m² | 7.5 m · 2 fl. |
| 25051F0493/00G000 | Wallonia | 918 m² | 1 · 129 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.
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WJM CONSULTING
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SAFETY & SECURITY PROCEDURES
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pymarchot@gmail.com