CHAVIER
ActiveThe computed 12-month bankruptcy probability of CHAVIER is 4.8% (elevated). The 2025 annual accounts show equity of €2k and a net result of €7k. Its solvency ranks better than 30% of 12989 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency8▼-25
Growth78
Stability94
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 0.14 in 2024), and 93.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
17 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-5k
2024: €-5k
2024 → 2025
Total assets
€31k▲ 4.4%
2024 · €29k
2024: €29k
2024 → 2025
Net result
€7k
2024 · €-12k
2024: €-12k
2024 → 2025
Working capital
€-5k▲ 58.2%
2024 · €-13k
2024: €-13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-5k-€2k
Operating result€-9k-€9k
Net result€-12k-€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€20k▼ 26.0%
Current assets
€10k▲ 406%
Equity and liabilities €31k
Equity
€2k
Debt
€28k
Debt finances 93.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€16k▲
2024 · €-2k
Cash flow
€14k▲
2024 · €-5k
Solvency
6.7%▲
2024 · -18.3%
Current ratio
0.66▲
2024 · 0.14
Quick ratio
0.66▲
2024 · 0.14
Debt / equity
13.95▲
2024 · -6.47
ROE
361.6%▲
2024 · 221.7%
ROA
24.2%▲
2024 · -40.5%
Interest coverage
8.44▲
2024 · -0.59
Debt
€28k▼
2024 · €35k
Debt ≤ 1 year
€16k▲
2024 · €15k
Debt > 1 year
€13k▼
2024 · €19k
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€29k€31k▲
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Plant, machinery and equipment23€951€476▼
Furniture and vehicles24€26k€20k▼
Current assets29/58€2k€10k▲
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€231€19▼
Cash at bank and in hand54/58-€5k
Equity and liabilities
Total equity and liabilities10/49€29k€31k▲
Equity10/15€-5k€2k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14€-12k€-4k▲
Amounts payable17/49€35k€28k▼
Amounts payable after more than one year17€19k€13k▼
Financial debts170/4€19k€13k▼
Amounts payable within one year42/48€15k€16k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€623-
Suppliers440/4€623-
Taxes, remuneration and social security45€555€144▼
Taxes450/3€555€144▼
Other amounts payable47/48-€9k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€589€548▼
Gross operating margin9900€-1k€17k▲
Operating profit (loss)9901€-9k€9k▲
Financial income75/76B€3€1▼
Recurring financial income75€3€1▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-12k€7k▲
Profit (loss) for the period9904€-12k€7k▲
Profit (loss) for the period to be appropriated9905€-12k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-4k▲
Profit (loss) brought forward from the previous period14P-€-12k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Marche-en-Famenne · 1 establishment unit since 2023
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.
Waha, Aux Quatre Vents 506900 Marche-en-Famenne1 establishment unit
Waha, Aux Quatre Vents 50, 6900 Marche-en-Famenne
since 20232.347.832.045
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Of 21,636 companies in sector 56112 we hold annual accounts for 9,658. 2,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2023
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47210Retail sale of fruit and vegetables
47810Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filings
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.