Active BE 0720.781.066Private limited company

CHeC!

Brabantsebaan 476 ·1600 Sint-Pieters-Leeuw, Belgium· 7 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

CHeC! is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €276k and a net result of €12k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 9871 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€276k
Net result	€12k
Better than sector	91%
Active	7 yrs

Financial profile 4 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 22

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2019, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview6 NBB filings

Annual accounts filed on 27-06-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.8%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	92.9%	54.8%	better than 91% of 9871 sector peers
Net result	€12k	€29k	better than 34% of 9868 sector peers
Equity	€276k	€137k	better than 67% of 9878 sector peers
Gross operating margin	€36k	€58k	better than 37% of 9858 sector peers
Total assets	€297k	€337k	better than 47% of 9875 sector peers

Net profit

€12k

-64.2% 21-24

Total assets

€297k

-3.3% 21-24

Equity

€276k

+4.6% 21-24

Staff costs

€0

-100.0% 21-24

Income taxes

€12k

+23.7% 21-24

Debt

€21k

-51.5% 21-24

Debt ≤ 1y

€21k

-51.5% 21-24

Debt > 1y

€0

- 21-24

Solvency

92.9%

+8.2% 21-24

ROE

4.4%

-65.8% 21-24

ROA

4.1%

-63.0% 21-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a
Net profit	€12k	€34k	€-10k	€59k
Cash flow	n/a	n/a	n/a	n/a
Staff costs	-	€0	€100	-
Income taxes	€12k	€10k	€250	€20k
Dividends	-	-	-	-
Total assets	€297k	€308k	€280k	€423k
Equity	€276k	€264k	€231k	€234k
Debt	€21k	€43k	€49k	€188k
of which ≤ 1y	€21k	€43k	€49k	€188k
of which > 1y	-	-	-	€0
Working capital	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a
Solvency	92.9%	85.9%	82.3%	55.5%
Debt / equity	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
ROA	4.1%	11.0%	-3.6%	14.0%
ROE	4.4%	12.8%	-4.4%	25.1%
EBITDA margin	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a

Balance-sheet composition 2024

Assets

Fixed assets €203k · 68.2% Current assets €95k · 31.8%

Equity & liabilities

Equity €276k · 92.9% Debt €21k · 7.1%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€297k	€308k	€280k	€423k
Fixed assets	21/28	€203k	€143k	€143k	€230k
Tangible fixed assets	22/27	€18k	€22k	€38k	€87k
Financial fixed assets	28	€185k	€121k	€106k	€143k
Current assets	29/58	€95k	€165k	€136k	€193k
Stocks & contracts in progress	3	-	€0	€2k	€4k
Amounts receivable within one year	40/41	€72k	€159k	€117k	€159k
Cash & bank	54/58	€18k	€4k	€15k	€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€297k	€308k	€280k	€423k
Equity	10/15	€276k	€264k	€231k	€234k
Contributions / capital	10/11	€19k	€19k	€19k	€12k
Reserves	13	€258k	€246k	€222k	€222k
Accumulated profits (losses)	14	-	€0	€-10k	-
Amounts payable	17/49	€21k	€43k	€49k	€188k
Amounts payable after one year	17	-	-	-	€0
Amounts payable within one year	42/48	€21k	€43k	€49k	€188k
Trade debts payable within one year	44	€1k	€9k	€13k	€131k
Income statement
Gross operating margin	9900	€36k	€41k	€14k	€101k
Operating result	9901	€25k	€23k	€-9k	€80k
Financial income	75	€152	€21k	€0	-
Financial charges	65	€910	€333	€568	€693
Result before taxes	9903	€24k	€43k	€-10k	€79k
Income taxes	67/77	€12k	€10k	€250	€20k
Net result for the period	9904	€12k	€34k	€-10k	€59k
Result to be appropriated	9905	€12k	€34k	€-10k	€59k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	15-02-2019
Status	Active
Postal code	1600

Establishment units 1 location

CHeC!

Brabantsebaan 476, 1600 Sint-Pieters-LeeuwCivil engineering

since 20192.286.979.292

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23073A0031/00C002	Flanders	762 m²	1 · 118 m²	7.1 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

All 9Financial 3Filings 6

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €34k

Net result €34k after one loss-making year.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-10k ▼117%

Net result drops to €-10k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 2.76

Current ratio from 1.02 to 2.76; short-term debt falls from €188k to €49k.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 31 days late

2021

24-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 24 days late

2020

06-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 67 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210Full-service restaurants56101Full-service restaurants56111Cafés and bars56301Activities of head offices70100Business and other management consultancy70200Business consulting70220Other business support services82990

Names & trade names

Legal nameNL

CHeC!

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