CHARTRAIN
ActiveCHARTRAIN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €-27k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 87% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.12 against 4.39 in 2024; short-term debt: 22.8% and cash: 20.7% of total assets), and 22.8% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-27k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
4 d early
2023
29 d late
2022
29 d late
2021
29 d late
2020
25 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-27k▼ 96.1%
2024 · €-14k
2018: €19k
2019: €7k
2020: €126k
2021: €16k
2022: €-27k
2023: €-12k
2024: €-14k
2018 → 2025
Working capital
€107k▼ 14.6%
2024 · €126k
2018: €36k
2019: €37k
2020: €158k
2021: €171k
2022: €140k
2023: €135k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€197k-€170k▼ 13.9%€158k▼ 7.3%€144k▼ 8.8%€116k▼ 18.9%
Operating result€19k-€-24k€-10k▲ 60.0%€-12k▼ 20.2%€-25k▼ 116%
Net result€16k-€-27k€-12k▲ 54.9%€-14k▼ 12.0%€-27k▼ 96.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €12k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€9k▼ 49.5%
Current assets
€142k▼ 12.9%
Equity and liabilities €151k
Equity
€116k▼ 18.9%
Debt
€34k▼ 7.1%
The debt ratio rises from 20.5% to 22.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-17k▼
2024 · €-3k
Cash flow
€-19k▼
2024 · €-6k
Solvency
77.2%▼
2024 · 79.5%
Current ratio
4.12▼
2024 · 4.39
Quick ratio
2.45▼
2024 · 2.75
Debt / equity
0.30▲
2024 · 0.26
ROE
-23.4%▼
2024 · -9.7%
ROA
-18.0%▼
2024 · -7.7%
Interest coverage
-7.96▼
2024 · -1.54
Debt
€34k▼
2024 · €37k
Debt ≤ 1 year
€34k▼
2024 · €37k
Staff costs
€62k▲
2024 · €52k
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€181k€151k▼
Fixed assets21/28€18k€9k▼
Intangible fixed assets21€15k€8k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€296-
Current assets29/58€163k€142k▼
Stocks and contracts in progress3€61k€57k▼
Stocks30/36€61k€57k▼
Amounts receivable within one year40/41€64k€53k▼
Trade receivables40€43k€43k=
Other amounts receivable41€21k€10k▼
Cash at bank and in hand54/58€38k€31k▼
Equity and liabilities
Total equity and liabilities10/49€181k€151k▼
Equity10/15€144k€116k▼
Contributions10/11€12k€12k=
Capital10€12k€12k=
Issued capital100€19k€19k=
Uncalled capital101€6k€6k=
Profit (loss) carried forward14€131k€104k▼
Amounts payable17/49€37k€34k▼
Amounts payable within one year42/48€37k€34k▼
Trade debts44€28k€29k▲
Suppliers440/4€28k€29k▲
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€7k€3k▼
Other amounts payable47/48€509€480▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€139k€131k▼
Gross operating margin9900€187k€177k▼
Operating profit (loss)9901€-12k€-25k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-14k€-27k▼
Profit (loss) for the period9904€-14k€-27k▼
Profit (loss) for the period to be appropriated9905€-14k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€104k▼
Profit (loss) brought forward from the previous period14P€145k€131k▼
The notes to these accounts (8 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-27k ▼274%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
31-12
Financial
Highest result since 2018net €126k ▲1778%
Operating result €128k, net result €126k, both a record.
31-12
Financial
Liquidity times 5current ratio 7.14
Current ratio from 1.37 to 7.14; short-term debt falls from €103k to €26k.
31-12
Financial
Equity above €150kEq €182k ▲225%
3 profitable years in a row build equity to €182k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day 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, Pont-à-Celles · 1 establishment unit since 2017
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 des Ecoles(PAC) 36230 Pont-à-CellesGround area
2,209 m²
Building footprint
338 m²
Volume, LiDAR
973 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Clairière 54, 1440 Braine-le-Château
since 20172.259.348.942
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25015B0134/00P000 | Wallonia | 1,754 m² | 1 · 233 m² | - |
| 52055D0288/00X005 | Wallonia | 455 m² | 1 · 105 m² | 11.3 m · 3 fl. |
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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Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,585 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.