Chat-o-Gand
ActiveChat-o-Gand has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32k and a net result of €-2k. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 6162 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▲+63
Solvency84▲+22
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.57 against 1.16 in 2023; short-term debt: 41.3% and cash: 40.2% of total assets), and 41.3% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.7%
Return on assets
-4.3%
Age of the figures
21 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-2k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-01-2026, 174 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
174 d late
2023
218 d late
2022
584 d late
2021
42 d early
2020
2 d early
2019
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€32k▼ 6.8%
2023 · €35k
2018: €51k
2019: €29k
2020: €46k
2021: €41k
2022: €53k
2023: €35k
2018 → 2024
Total assets
€55k▼ 41.0%
2023 · €93k
2018: €69k
2019: €42k
2020: €52k
2021: €48k
2022: €99k
2023: €93k
2018 → 2024
Net result
€-2k▲ 87.0%
2023 · €-18k
2018: €26k
2019: €-22k
2020: €17k
2021: €-5k
2022: €12k
2023: €-18k
2018 → 2024
Working capital
€13k▲ 37.4%
2023 · €9k
2018: €31k
2019: €9k
2020: €30k
2021: €41k
2022: €20k
2023: €9k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€41k▼ 11.9%€53k▲ 29.8%€35k▼ 34.4%€32k▼ 6.8%
Operating result€18k-€-5k€12k€-18k€-2k▲ 90.8%
Net result€17k-€-5k€12k€-18k€-2k▲ 87.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €18k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €55k
Fixed assets
€19k▼ 23.5%
Current assets
€36k▼ 47.4%
Equity and liabilities €55k
Equity
€32k▼ 6.8%
Debt
€23k▼ 61.2%
The debt ratio falls from 62.8% to 41.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▲
2023 · €-10k
Cash flow
€5k▲
2023 · €-10k
Solvency
58.7%▲
2023 · 37.2%
Current ratio
1.57▲
2023 · 1.16
Quick ratio
1.57▲
2023 · 1.16
Debt / equity
0.70▼
2023 · 1.69
ROE
-7.3%▲
2023 · -52.4%
ROA
-4.3%▲
2023 · -19.5%
Interest coverage
7.46▲
2023 · -32.40
Debt
€23k▼
2023 · €58k
Debt ≤ 1 year
€23k▼
2023 · €58k
Staff costs
€12k▲
2023 · €7k
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€93k€55k▼
Fixed assets21/28€25k€19k▼
Intangible fixed assets21€1k€618▼
Tangible fixed assets22/27€24k€19k▼
Land and buildings22€17k€12k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€457€350▼
Current assets29/58€68k€36k▼
Amounts receivable within one year40/41€34k€2k▼
Trade receivables40€34k€2k▼
Other amounts receivable41€101-
Current investments50/53€18k€9k▼
Cash at bank and in hand54/58€15k€22k▲
Deferred charges and accrued income490/1€546€2k▲
Equity and liabilities
Total equity and liabilities10/49€93k€55k▼
Equity10/15€35k€32k▼
Contributions10/11€12k€12k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€-16k€-19k▼
Amounts payable17/49€58k€23k▼
Amounts payable within one year42/48€58k€23k▼
Financial debts43€6k€364▼
Credit institutions430/8€6k€364▼
Trade debts44€18k€9k▼
Suppliers440/4€18k€9k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9€400€1k▲
Other amounts payable47/48€33k€10k▼
Income statement
Code20232024
Remuneration, social security and pensions62€7k€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€1k€918▼
Gross operating margin9900€-1k€19k▲
Operating profit (loss)9901€-18k€-2k▲
Financial income75/76B€4€71▲
Recurring financial income75€4€71▲
Financial charges65/66B€299€786▲
Recurring financial charges65€299€786▲
Profit (loss) for the period before taxes9903€-18k€-2k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-18k€-2k▲
Profit (loss) for the period to be appropriated9905€-18k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-19k▼
Profit (loss) brought forward from the previous period14P€2k€-16k▼
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
2026
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 174 days late
2025
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 218 days late
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 584 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.22
Current ratio from 1.68 to 6.22; short-term debt falls from €13k to €6k.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Weakest financial yearnet €-22k ▼186%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
21-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2010
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.
Sint-Pietersaalststraat 569000 GentGround area
1,036 m²
Building footprint
433 m²
Volume, LiDAR
3,381 m³
2 parcels, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chat - O - Gand
since 20102.193.841.278
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44022A0354/00S003 | Flanders | 617 m² | 1 · 184 m² | 11.8 m · 3 fl. |
| 44808H0715/00M004 | Flanders | 419 m² | 1 · 249 m² | 13.8 m · 2 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.
Similar companies · same sector, comparable size
Artrix
BE 0666.564.105
Lier · Eq €31k
HAPPY DESK
BE 0556.865.023
Sint-Lambrechts-Woluwe · Eq €31k
Animal Happiness
BE 0839.646.648
Bocholt · Eq €34k
COSTA CONCEPT
BE 0818.244.587
Jemeppe-sur-Sambre · Eq €34k
ADE Services
BE 0801.055.494
Beauvechain · Eq €30k
Of 3,791 companies in sector 96993 we hold annual accounts for 143. 112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2010
Fiscal year end31-12
Activities, NACEBEL
96993Pet care services, excluding veterinary services
96995Pet boarding
47400Retail sale of information and communication equipment
47410Retail trade
70200Business and other management consultancy
70220Business consulting
96994Pet training
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.