CHATMEDIC
ActiveSummary
CHATMEDIC has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €457,317 and a net result of €136,946. Equity is growing by ~32.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 1246 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 21.54 against 10.77 in 2023; short-term debt: 4.4% and cash: 36.6% of total assets), and 4.4% of the assets are financed with debt.
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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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.6%
Return on assets
28.6%
Age of the figures
21 mo
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 13-06-2025, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
15 d early
2022
52 d early
2021
34 d early
2020
39 d early
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€136,946▲ 13.6%
2023 · €120,579
Working capital
€432,318▲ 54.4%
2023 · €280,058
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€51,267▲ 54.3%-€1,923€147,313€174,851▲ 18.7%€188,695▲ 7.9%
Net result€35,299within the sector's middle half▲ 61.3%-€4,189below the sector's middle half€91,262within the sector's middle half€120,579within the sector's middle half▲ 32.1%€136,946within the sector's middle half▲ 13.6%
Equity€139,437within the sector's middle half▲ 33.9%€135,248within the sector's middle half▼ 3.0%€199,792within the sector's middle half▲ 47.7%€320,371within the sector's middle half▲ 60.4%€457,317within the sector's middle half▲ 42.7%
Total assets€200,583below the sector's middle half▲ 46.3%€216,252below the sector's middle half▲ 7.8%€291,590within the sector's middle half▲ 34.8%€349,799within the sector's middle half▲ 20.0%€478,370within the sector's middle half▲ 36.8%
Debt€61,146▲ 85.7%€81,004▲ 32.5%€91,798▲ 13.3%€29,428▼ 67.9%€21,053▼ 28.5%
Working capital€107,179▲ 25.0%€94,621▼ 11.7%€159,189▲ 68.2%€280,058▲ 75.9%€432,318▲ 54.4%
Solvency69.5%within the sector's middle half▼ 6.5pp62.5%within the sector's middle half▼ 7.0pp68.5%within the sector's middle half▲ 6.0pp91.6%above the sector's middle half▲ 23.1pp95.6%above the sector's middle half▲ 4.0pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 8% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €478,370
Fixed assets
€25,000 ▼ 39.2%
Current assets
€453,370 ▲ 46.9%
Equity and liabilities €478,370
Equity
€457,317 ▲ 42.7%
Debt
€21,053 ▼ 28.5%
Debt's share of the balance-sheet total falls from 8.4% to 4.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€204,782▲
2023 · €190,891
Cash flow
€153,033▲
2023 · €136,620
Current ratio
21.54▲
2023 · 10.77
Debt to equity
0.05▼
2023 · 0.09
ROE
29.9%▼
2023 · 37.6%
ROA
28.6%▼
2023 · 34.5%
Interest coverage
254.70▼
2023 · 287.77
Debt ≤ 1 year
€21,052▼
2023 · €28,654
Income taxes
€55,146▲
2023 · €55,044
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,082 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,751 | €15,693 | €16,089 | €16,041 | €16,087 | ▲ 0.3% |
| Other operating charges640/8 | - | €1,014 | €702 | €560 | €693 | ▲ 23.9% |
| Gross operating margin9900 | €56,465 | €14,784 | €164,104 | €191,451 | €205,476 | ▲ 7.3% |
| Operating profit (loss)9901 | €51,267 | -€1,923 | €147,313 | €174,851 | €188,695 | ▲ 7.9% |
| Financial income75/76B | - | - | - | €1,436 | €4,201 | ▲ 193% |
| Recurring financial income75 | - | - | - | €1,436 | €4,201 | ▲ 193% |
| Financial charges65/66B | - | €2,043 | €1,665 | €663 | €804 | ▲ 21.2% |
| Recurring financial charges65 | €347 | €2,043 | €1,665 | €663 | €804 | ▲ 21.2% |
| Profit (loss) for the period before taxes9903 | €50,920 | -€3,966 | €145,648 | €175,623 | €192,092 | ▲ 9.4% |
| Income taxes67/77 | €15,621 | €223 | €54,386 | €55,044 | €55,146 | ▲ 0.2% |
| Profit (loss) for the period9904 | €35,299 | -€4,189 | €91,262 | €120,579 | €136,946 | ▲ 13.6% |
| Profit (loss) for the period to be appropriated9905 | €35,299 | -€4,189 | €91,262 | €120,579 | €136,946 | ▲ 13.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €200,583 | €216,252 | €291,590 | €349,799 | €478,370 | ▲ 36.8% |
| Fixed assets21/28 | €51,478 | €71,917 | €55,828 | €41,087 | €25,000 | ▼ 39.2% |
| Intangible fixed assets21 | - | - | €0 | - | - | - |
| Tangible fixed assets22/27 | €51,478 | €71,917 | €55,828 | €41,087 | €25,000 | ▼ 39.2% |
| Land and buildings22 | - | €13,828 | €12,960 | €12,091 | €11,222 | ▼ 7.2% |
| Furniture and vehicles24 | - | €56,132 | €41,190 | €27,598 | €12,660 | ▼ 54.1% |
| Other tangible fixed assets26 | - | €1,957 | €1,677 | €1,398 | €1,118 | ▼ 20.0% |
| Current assets29/58 | €149,105 | €144,335 | €235,762 | €308,712 | €453,370 | ▲ 46.9% |
| Amounts receivable within one year40/41 | - | €27,086 | €10,454 | - | €18,335 | - |
| Trade receivables40 | - | €16,586 | - | - | €85 | - |
| Other amounts receivable41 | - | €10,500 | €10,454 | - | €18,250 | - |
| Current investments50/53 | - | - | €80,000 | €130,000 | €255,000 | ▲ 96.2% |
| Cash at bank and in hand54/58 | €149,105 | €117,249 | €145,309 | €178,712 | €175,096 | ▼ 2.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €4,939 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €200,583 | €216,252 | €291,590 | €349,799 | €478,370 | ▲ 36.8% |
| Equity10/15 | €139,437 | €135,248 | €199,792 | €320,371 | €457,317 | ▲ 42.7% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €9,048 | €9,048 | = |
| Capital10 | - | €6,197 | €6,197 | - | - | - |
| Issued capital100 | - | €18,592 | €18,592 | - | - | - |
| Uncalled capital101 | - | €12,395 | €12,395 | - | - | - |
| Reserves13 | €124,870 | €124,870 | €189,060 | €306,788 | €443,735 | ▲ 44.6% |
| Non-distributable reserves130/1 | - | €2,851 | €2,851 | - | - | - |
| Legal reserve130 | - | €2,851 | €2,851 | - | - | - |
| Distributable reserves133 | - | €122,019 | €186,209 | €306,788 | €443,735 | ▲ 44.6% |
| Profit (loss) carried forward14 | €8,370 | €4,181 | €4,535 | €4,535 | €4,535 | = |
| Amounts payable17/49 | €61,146 | €81,004 | €91,798 | €29,428 | €21,053 | ▼ 28.5% |
| Amounts payable after more than one year17 | €19,220 | €31,290 | €15,225 | €768 | - | - |
| Financial debts170/4 | - | €31,290 | €15,225 | €768 | - | - |
| Amounts payable within one year42/48 | €41,926 | €49,714 | €76,573 | €28,654 | €21,052 | ▼ 26.5% |
| Current portion of amounts payable after more than one year42 | - | €15,901 | €16,065 | €14,457 | €768 | ▼ 94.7% |
| Trade debts44 | €11,241 | €6,189 | €70 | €1,986 | €54 | ▼ 97.3% |
| Suppliers440/4 | - | €6,189 | €70 | €1,986 | €54 | ▼ 97.3% |
| Taxes, remuneration and social security45 | - | €324 | €10,962 | €6,147 | €13,840 | ▲ 125% |
| Taxes450/3 | - | €324 | €10,962 | €6,147 | €13,840 | ▲ 125% |
| Other amounts payable47/48 | - | €27,300 | €49,476 | €6,064 | €6,390 | ▲ 5.4% |
| Accrued charges and deferred income492/3 | - | - | - | €6 | €0 | ▼ 95.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,299 | -€4,189 | €91,262 | €120,579 | €136,946 | ▲ 13.6% |
| + Depreciation and write-downs630 | €4,751 | €15,693 | €16,089 | €16,041 | €16,087 | ▲ 0.3% |
| Operating cash flow (approximation) | €40,050 | €11,504 | €107,351 | €136,620 | €153,033 | ▲ 12.0% |
| Investment in fixed assets (approximation) | - | -€36,132 | €0 | -€1,300 | €0 | ▲ 100% |
| Change in cash | - | -€31,856 | €28,060 | €33,403 | -€3,616 | ▼ 111% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €136,946 ▲13.6%
Operating result €188,695, net result €136,946, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity triplescurrent ratio 10.77
Current ratio from 3.08 to 10.77; short-term debt falls from €76,573 to €28,654.
31-12
Financial
Equity above €200,000Eq €320,371 ▲60.4%
2 profitable years in a row build equity to €320,371.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €91,262
Net result €91,262 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €199,792 ▲47.7%
Equity rises from €135,248 to €199,792.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet -€4,189
Net result drops to -€4,189, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €104,138 ▲26.6%
2 profitable years in a row build equity to €104,138.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
09-06
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Charleroi · 1 establishment unit since 1999
Ground area
349 m²
Building footprint
112 m²
Volume, LiDAR
805 m³
Parcel 52392C0753/00Y033, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Sart-Saint-Nicolas 44, 6001 Charleroi
since 19992.345.698.936
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52392C0753/00Y033 | Wallonia | 349 m² | 1 · 112 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
- Jean Paul LECHATnatural personSourceown accounts 2021100%
Holdings 0
The accounts to 31-12-2021 list no holdings, and no other source names one.
According to the 2021 annual accounts of CHATMEDIC and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 16,631 companies in sector 86220 we hold annual accounts for 7,983. 6,501 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-07-1999
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466526151
Registered
04-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.