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CHAUD DIFFUSION

Active
Private limited companyfounded 199333 yrs activeRue des Technologies 24, 4432 Ans, BelgiumKBO/BCE: BE 0449.629.444
Summary

CHAUD DIFFUSION has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.7m and a net result of €397,109. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 4913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
CHAUD DIFFUSIONActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241NACE 52240NACE 55302
#3 employer in Ans, Wholesale and retail trade sector42 sites
Size
€39.6mturnover 2025
Staff
262.6 FTE
Equity
€7.7m
Profit
€397,109
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
HOLDING PCS · 100%
Auditor: REWISE ADAccounts 32 d early1 of 11 deeds read
Why 97- Sector Retail trade (NACE 47)+ Liquidity: current ratio 1.71, cash €3.3m+ Founded in 1993+ Equity €7.7m (50.6% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (NACE 47, large)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 76+4
equity 50.6% of total assets
Liquidity 62+2
short-term debt 35.0% · cash 22.0%
Profitability 65-6
return on assets 2.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (83 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▼ -4.3% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%▲ +3.0% vs 04-2025 06-2025: 0.1%▼ -2.9% vs 05-2025 07-2025: < 0.1%▼ -26.9% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%▼ -2.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -2.1% vs 03-2026lowest value 05-2026: < 0.1%▲ +2.1% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +4.2% vs 06-2026 08-2026: 0.1%▲ +152% vs 07-2026 09-2026: 0.2%▲ +22.2% vs 08-2026highest value 10-2026: 0.1%▼ -53.2% vs 09-2026
  • Liquidity: current ratio 1.71, cash €3.3m lowers the probability
  • Founded in 1993 lowers the probability for this profile
  • Equity €7.7m (50.6% of total assets) lowers the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €700,000 at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.5 in 2024; short-term debt: 35% and cash: 22% of total assets), and 49.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, large). Better than this share of them on solvency 83%, liquidity 94%, profitability 60%, growth against the median 57%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 1.71, cash €3.3m
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1993
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €7.7m (50.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
32 d early
2024
43 d early
2023
34 d early
2022
31 d early
2021
32 d early
2020
31 d early
2019
14 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Reappointment: REWISE AD (commissaire aux comptes)State Gazette act
  2. Annual accounts filedfiscal year 2025 · full…
  3. Weakest financial yearnet €397,109 ▼63%

Key points

  • Caution: Result fell in 2025from €1.1m to €397,109 ▼ 63.0% View
  • Positive: 7 years of growth in a rowturnover 2025: €39.6m 7 years View
  • Positive: Among the best 6% on equitysector median €448,626 · 4,914 companies €7.7m View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by HOLDING PCSultimately: 2D CONSEIL 100% View

By topic

Financials

Fiscal year
2025
Turnover
€39.6m
Profit
€397,109
Solvency
50.6%
Turnover▲ 3.2%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 05-10-2026Reappointment: REWISE AD (commissaire aux comptes)
  2. 29-06-2026Annual accounts filed
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
42
Legal form
Private limited company
Activity
Retail sale of bread and pastry (bakery outlets)NACE 47241
Founded
11-03-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

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