ChatelainXpert
ActiveChatelainXpert has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €126k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▲+7
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.94 in 2024), and 84.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.1%
Return on assets
29.9%
Age of the figures
8 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9384 sector peers (2025).
NBB · sector comparisonPosition among 9384 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €64k
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
27 d late
2022
52 d late
2021
30 d late
2020
31 d late
2019
87 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€126k▲ 42.0%
2024 · €89k
2018: €37k
2019: €39k
2020: €53k
2021: €18k
2022: €64k
2023: €46k
2024: €89k
2018 → 2025
Working capital
€9k
2024 · €-15k
2018: €6k
2019: €-13k
2020: €-38k
2021: €-56k
2022: €-115k
2023: €-13k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€20k▼ 68.9%€32k▲ 54.2%€32k=€64k▲ 102%
Operating result€25k-€86k▲ 250%€71k▼ 17.9%€128k▲ 80.0%€177k▲ 38.3%
Net result€18k-€64k▲ 258%€46k▼ 27.0%€89k▲ 91.8%€126k▲ 42.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€118k▼ 17.4%
Current assets
€304k▲ 30.0%
Equity and liabilities €423k
Equity
€64k▲ 102%
Debt
€359k▲ 3.8%
The debt ratio falls from 91.6% to 84.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€237k▲
2024 · €209k
Cash flow
€187k▲
2024 · €171k
Solvency
15.1%▲
2024 · 8.4%
Current ratio
1.03▲
2024 · 0.94
Quick ratio
1.03▲
2024 · 0.94
Debt / equity
5.63▼
2024 · 10.96
ROE
198.1%▼
2024 · 282.0%
ROA
29.9%▲
2024 · 23.6%
Interest coverage
40.54▲
2024 · 31.01
Debt
€359k▲
2024 · €346k
Debt ≤ 1 year
€295k▲
2024 · €249k
Debt > 1 year
€64k▼
2024 · €97k
Income taxes
€44k▲
2024 · €32k
Staff costs
€167k▲
2024 · €133k
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€377k€423k▲
Fixed assets21/28€143k€118k▼
Intangible fixed assets21€37k€35k▼
Tangible fixed assets22/27€106k€83k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€103k€81k▼
Financial fixed assets28-€352
Current assets29/58€234k€304k▲
Amounts receivable within one year40/41€169k€249k▲
Trade receivables40€167k€243k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€59k€46k▼
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€377k€423k▲
Equity10/15€32k€64k▲
Contributions10/11€19k€19k=
Reserves13€13k€45k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€11k€43k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€346k€359k▲
Amounts payable after more than one year17€97k€64k▼
Financial debts170/4€97k€64k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€249k€295k▲
Current portion of amounts payable after more than one year42€32k€33k▲
Trade debts44€95k€124k▲
Suppliers440/4€95k€124k▲
Taxes, remuneration and social security45€25k€22k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€15k€19k▲
Other amounts payable47/48€96k€116k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€133k€167k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€61k▼
Other operating charges640/8€6k€937▼
Gross operating margin9900€349k€405k▲
Operating profit (loss)9901€128k€177k▲
Financial income75/76B€211€0▼
Recurring financial income75€211€0▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€121k€171k▲
Income taxes67/77€32k€44k▲
Profit (loss) for the period9904€89k€126k▲
Profit (loss) for the period to be appropriated9905€89k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€126k▲
Transfer to equity691/2€0€32k▲
To other reserves6921€0€32k▲
Profit to be distributed694/7€89k€94k▲
Return on contributions (dividend)694€89k€94k▲
The notes to these accounts (16 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €126k ▲42%
Operating result €177k, net result €126k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 52 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €18k ▼66.5%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Equity above €100kEq €124k ▲46.3%
2 profitable years in a row build equity to €124k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Nandrin · 2 establishment units since 2014
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 Sur Haies 24550 NandrinGround area
5,137 m²
Building footprint
618 m²
Volume, LiDAR
1,073 m³
2 parcels, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue Sur Haies 2, 4550 Nandrin
since 20142.231.995.536
Rue Sur Haies 7, 4557 Tinlot
since 20142.232.988.993
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043A0126/00G002 | Wallonia | 3,696 m² | 1 · 180 m² | 7.9 m · 2 fl. |
| 61001C0301/00M002 | Wallonia | 1,442 m² | 1 · 439 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.
Similar companies · same sector, comparable size
Real Estimate
BE 0759.897.406
Wetteren · Eq €64k
NOBISplus
BE 0664.506.913
Oud-Heverlee · Eq €64k
JP REAL ESTATE
BE 0680.859.925
Aarschot · Eq €63k
A-Vex
BE 1006.924.435
Zoersel · Eq €63k
ESPACES SOLIDAIRES
BE 1004.297.715
Schaarbeek · Eq €65k
Of 1,527 companies in sector 68322 we hold annual accounts for 738. 523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2014
Fiscal year end31-12
Activities, NACEBEL
68322Real estate appraisal on a fee or contract basis
71209Other technical testing and analysis
71121Engineering and related technical consultancy, excluding land surveyors
71122Land surveying
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.chatelainxpert.be
E-mail:info@chatelainxpert.be