Chaver
ActiveSummary
Chaver has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99,105 and a net result of €89,105. Its solvency ranks better than 33% of 14173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes
Profitability62
Solvency36
Growth-
Track record67
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity tight (current ratio 1.12; short-term debt: 89.3% and cash: 0.2% of total assets), and 89.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
10.7%
Return on assets
9.6%
Age of the figures
9 mo
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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€99,105
Total assets
€924,372
Net result
€89,105
Working capital
€99,105
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €924,372
Equity
€99,105
Debt
€825,268
Debt finances 89.3% of the balance-sheet total.
Key figures and ratios
Current ratio
1.12
Quick ratio
0.91
Debt to equity
8.33
ROE
89.9%
ROA
9.6%
Debt ≤ 1 year
€825,268
Income taxes
€23,080
Annual accounts
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €567 |
| Gross operating margin9900 | €154,885 |
| Operating profit (loss)9901 | €154,319 |
| Financial income75/76B | €2,421 |
| Recurring financial income75 | €2,421 |
| Financial charges65/66B | €44,555 |
| Recurring financial charges65 | €44,555 |
| Profit (loss) for the period before taxes9903 | €112,185 |
| Income taxes67/77 | €23,080 |
| Profit (loss) for the period9904 | €89,105 |
| Profit (loss) for the period to be appropriated9905 | €89,105 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €924,372 | |
| Current assets29/58 | €924,372 | |
| Stocks and contracts in progress3 | €171,706 | |
| Stocks30/36 | €121,484 | |
| Contracts in progress37 | €50,222 | |
| Amounts receivable within one year40/41 | €750,300 | |
| Trade receivables40 | €465,882 | |
| Other amounts receivable41 | €284,418 | |
| Cash at bank and in hand54/58 | €2,125 | |
| Deferred charges and accrued income490/1 | €241 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €924,372 | |
| Equity10/15 | €99,105 | |
| Contributions10/11 | €10,000 | |
| Reserves13 | €89,105 | |
| Distributable reserves133 | €89,105 | |
| Amounts payable17/49 | €825,268 | |
| Amounts payable within one year42/48 | €825,268 | |
| Trade debts44 | €394,650 | |
| Suppliers440/4 | €394,650 | |
| Taxes, remuneration and social security45 | €23,080 | |
| Taxes450/3 | €23,080 | |
| Other amounts payable47/48 | €407,538 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €89,105 |
| Operating cash flow (approximation) | €89,105 |
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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schilde · 1 establishment unit since 2024
Ground area
3,009 m²
Building footprint
296 m²
Volume, LiDAR
1,998 m³
Parcel 11039A0131/00C002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Chaver
since 20242.362.470.929
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0131/00C002 | Flanders | 3,009 m² | 1 · 296 m² | 11.2 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.
Similar companies · same sector, comparable size
BANOM INVEST
BE 0671.551.685
Ath · Eq €99,015
MARDOMI
BE 0425.733.493
Walcourt · Eq €98,972
Van Doorslaer Invest
BE 0658.811.330
Merchtem · Eq €98,971
GMD RENO
BE 0554.706.376
Seraing · Eq €98,950
DX VASTGOED
BE 0448.544.727
Ranst · Eq €99,284
Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 3,699 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
Founded14-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.