Summary
CHELCAB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.5m and a net result of -€18,720. Its solvency ranks better than 75% of 5587 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
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 d early
2024
73 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 51 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.5m▼ 1.2%
2024 · €1.5m
Net result
-€18,720
2024 · €385,088
Total assets
€1.9m▲ 6.6%
2024 · €1.8m
Solvency
78.7%▼ 6.2pp
2024 · 84.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20242025
Operating result€559,412--€14,930
Net result€385,088above the sector's middle half--€18,720below the sector's middle half
Equity€1.5mabove the sector's middle half-€1.5mwithin the sector's middle half▼ 1.2%
Total assets€1.8mabove the sector's middle half-€1.9mwithin the sector's middle half▲ 6.6%
Debt€272,533-€410,228▲ 50.5%
Working capital€354,576above the sector's middle half-€342,162above the sector's middle half▼ 3.5%
Solvency84.9%above the sector's middle half-78.7%within the sector's middle half▼ 6.2pp
Current ratio2.30within the sector's middle half-1.86within the sector's middle half▼ 0.44
Return on assets (ROA)21.3%within the sector's middle half--1.0%below the sector's middle half▼ 22.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14,930 after €559,412 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€1.2m ▲ 0.4%
Current assets
€741,191 ▲ 18.2%
Equity and liabilities €1.9m
Equity
€1.5m ▼ 1.2%
Debt
€410,228 ▲ 50.5%
Debt's share of the balance-sheet total rises from 15.1% to 21.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.2%▼
2024 · 25.0%
Debt ≤ 1 year
€399,029▲
2024 · €272,415
Debt > 1 year
€9,728
Income taxes
-€21▼
2024 · €173,709
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,577 | €14,281 | ▲ 299% |
| Other operating charges640/8 | €1,545 | €2,616 | ▲ 69.3% |
| Gross operating margin9900 | €564,534 | €1,968 | ▼ 99.7% |
| Operating profit (loss)9901 | €559,412 | -€14,930 | ▼ 103% |
| Financial income75/76B | €591 | €1,927 | ▲ 226% |
| Recurring financial income75 | €591 | €1,927 | ▲ 226% |
| Financial charges65/66B | €1,206 | €5,738 | ▲ 376% |
| Recurring financial charges65 | €1,206 | €5,738 | ▲ 376% |
| Profit (loss) for the period before taxes9903 | €558,797 | -€18,741 | ▼ 103% |
| Income taxes67/77 | €173,709 | -€21 | ▼ 100% |
| Profit (loss) for the period9904 | €385,088 | -€18,720 | ▼ 105% |
| Profit (loss) for the period to be appropriated9905 | €385,088 | -€18,720 | ▼ 105% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.8m | €1.9m | ▲ 6.6% |
| Fixed assets21/28 | €1.2m | €1.2m | ▲ 0.4% |
| Tangible fixed assets22/27 | €1.2m | €1.2m | ▲ 0.4% |
| Land and buildings22 | €1.2m | €1.2m | = |
| Plant, machinery and equipment23 | - | €17,008 | - |
| Furniture and vehicles24 | €33,130 | €20,896 | ▼ 36.9% |
| Current assets29/58 | €626,991 | €741,191 | ▲ 18.2% |
| Amounts receivable within one year40/41 | €580,051 | €612,464 | ▲ 5.6% |
| Trade receivables40 | €514,220 | €482,447 | ▼ 6.2% |
| Other amounts receivable41 | €65,831 | €130,018 | ▲ 97.5% |
| Cash at bank and in hand54/58 | €44,327 | €126,206 | ▲ 185% |
| Deferred charges and accrued income490/1 | €2,613 | €2,521 | ▼ 3.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.8m | €1.9m | ▲ 6.6% |
| Equity10/15 | €1.5m | €1.5m | ▼ 1.2% |
| Contributions10/11 | €1.2m | €1.2m | = |
| Reserves13 | €385,088 | €385,088 | = |
| Distributable reserves133 | €385,088 | €385,088 | = |
| Profit (loss) carried forward14 | - | -€18,720 | - |
| Amounts payable17/49 | €272,533 | €410,228 | ▲ 50.5% |
| Amounts payable after more than one year17 | - | €9,728 | - |
| Financial debts170/4 | - | €9,728 | - |
| Amounts payable within one year42/48 | €272,415 | €399,029 | ▲ 46.5% |
| Current portion of amounts payable after more than one year42 | - | €6,261 | - |
| Trade debts44 | €522 | €40,002 | ▲ 7,570% |
| Suppliers440/4 | €522 | €40,002 | ▲ 7,570% |
| Taxes, remuneration and social security45 | €271,894 | €179,688 | ▼ 33.9% |
| Taxes450/3 | €271,894 | €179,688 | ▼ 33.9% |
| Other amounts payable47/48 | - | €173,078 | - |
| Accrued charges and deferred income492/3 | €118 | €1,470 | ▲ 1,147% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €385,088 | -€18,720 | ▼ 105% |
| + Depreciation and write-downs630 | €3,577 | €14,281 | ▲ 299% |
| Operating cash flow (approximation) | €388,665 | -€4,439 | ▼ 101% |
| Investment in fixed assets (approximation) | - | -€19,055 | - |
| Change in cash | - | €81,879 | - |
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
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Deinze · 1 establishment unit since 2023
Ground area
6,724 m²
Building footprint
176 m²
Volume, LiDAR
1,052 m³
Parcel 44011A0016/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHELCAB
since 20232.353.234.450
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011A0016/00C000 | Flanders | 6,724 m² | 1 · 176 m² | 9.3 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 11,729 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
Founded18-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003560020
Also
9925:BE1003560020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.