Equity
€78,288 from €262,493 in 2021
Equity fell by 70% in 4 years.
ChartMill
Lifetime
9 annual accounts with figures on one time axispeak €306,960 (2025)
€306,960▲ 40.0%
lowest -€109,680 (2023)
€23,083▲ €58,083
peak €262,493 (2021)
€78,288▲ 41.8%
€108,211▼ 13.0%
peak 1.5 FTE (2019)
-not published
Board4 names since 2017
1 directorVANDYCKE Dirk Hendrik Jozef Walter
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €219,207 to €306,960Back to profit: €23,083Equity from €55,204 to €78,288
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 47% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.1%▼ -0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025highest value
09-2025: 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.77, cash €130,636
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €186,499
Equity €78,288 (42.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 37% of them on solvency, 55% on liquidity, 21% on profitability and 76% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as ChartMill has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of ChartMill itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 34,693 companies, not a prediction for ChartMill. 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.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.77 (1.42 in 2024), above the usual 1.5. Short-term debt is 54.8% and cash 70% of total assets. However, 58% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
28 days late
2024
27 days late
2023
29 days late
2022
31 days late
2021
24 days late
2020
1 day early
2019
74 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0810240505
3 directors resigning, 1 reappointment
Resignations: VANDYCKE, Dirk Hendrik Jozef Walter; DE TURCK, Kristoff and RAEMDONCK, Peter René Coralie · Reappointment: VANDYCKE, Dirk Hendrik Jozef Walter · General meeting of 27-12-2023 · Gazette deed
Resignation: Aldwin Keppens (manager)
General meeting of 24-11-2017 · Gazette deed
Company renamed from MONEST to ChartMill
Changes of role: VANDYCKE Dirk Hendrik Jozef Walter, KEPPENS Aldwin, DE TURCK Kristoff and RAEMDONCK Peter René Coralie · “Mensen te leren beleggen en investeren en hierbij te ondersteunen in de ruimste zin van het woord; Het…” (deed in Dutch) · Legal-form conversion: from coöperatieve vennootschap met onbeperkte aansprakelijkheid to private limited company (pre-2019) · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ChartMill Sint-Niklaas | €186,499 | €306,960 | 42.0% | - |
| BANANASK.COM Schaerbeek | €168,357 | €304,164 | 6.9% | 5.5 |
| ZAMIA Ghent | €217,928 | €315,183 | 39.2% | 2.8 |
| Anderson Wavre | €237,367 | €427,447 | 2.8% | - |
| NASDRON.BE Frameries | €239,758 | €193,567 | 18.0% | - |
| FUEL MEDIA SERVICE Ottignies-Louvain-la-Neuve | €268,452 | €208,873 | 40.5% | - |
| BEEBOLE Woluwe-Saint-Pierre | €289,807 | €429,485 | -52.8% | 2.9 |
These companies have the same main activity as ChartMill: other information technology and computer services (NACE 62900). They are comparable in size and age: total assets between €168,000 and €290,000, founded between 2006 and 2012.
Official details
Source: KBO- Status
- Active since 13-02-2009Normal situation
- Activity
- Other information technology and computer servicesNACE 62900and 6 others
- Establishment unit
- 2.176.612.5939100 Sint-Niklaas, since 06-03-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 02-10-2025
Annual accounts 2025
- ≈ €800,000estimated
- €186,499▲ 3.9%
- Employeeson 31-12-2025
- 3=
- Filing
- Filed on 28-08-2026
Insights on ChartMill
ChartMill files the micro format. That format states no turnover. The gross margin rose from €54,413 in 2017 to €306,960 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.
Key facts about ChartMill
- What is the company number of ChartMill?
- The company number of ChartMill is 0810.240.505. The VAT number is the same number with BE in front: BE 0810.240.505.
- Where is ChartMill based?
- The registered office is at Van Naemenstraat 33, 9100 Sint-Niklaas.Company details
- What does ChartMill do?
- According to the KBO register, the main activity is other information technology and computer services (NACE 62900).
- What is the legal form of ChartMill?
- ChartMill is a private limited company (BV).
- When was ChartMill founded?
- ChartMill was founded on 13-02-2009.
- Is ChartMill still active?
- Yes, ChartMill is an active enterprise in the KBO register.
- How many employees does ChartMill have?
- ChartMill had an average of 2.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of ChartMill?
- The turnover in financial year 2025 is ≈ €800,000. This figure is estimated from the gross margin of €306,960 and 155 comparable companies (NACE 62). It probably lies between €540,000 and €1.3m.
- Is ChartMill profitable?
- In financial year 2025, ChartMill made a profit of €23,083.
- Where can I find the annual accounts of ChartMill?
- ChartMill filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ChartMill due?
- ChartMill must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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