CHEMS TOURS
ActiveCHEMS TOURS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €130k. Equity is shrinking by ~2.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 41% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency57▲+57
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 0.04 in 2024; short-term debt: 68.4% and cash: 100% of total assets), and 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
31.6%
Return on assets
114.7%
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 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
on the day
2022
1 d early
2020
13 d late
2019
88 d late
2018
31 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€130k
2024 · €-13k
2018: €-21k
2019: €-11k
2022: €-1k
2023: €-1k
2024: €-13k
2018 → 2025
Working capital
€36k
2024 · €-99k
2018: €-47k
2019: €-65k
2020: €-65k
2022: €-67k
2023: €-68k
2024: €-99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€-58k-€-62k▼ 6.7%€-63k▼ 1.9%€-94k▼ 49.7%€36k
Operating result€-1k€-1k▲ 16.7%€-13k▼ 951%€130k
Net result€-1k€-1k▲ 16.7%€-13k▼ 960%€130k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €130k after a loss of €13k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €113k
Equity
€36k
Debt
€77k
Debt finances 68.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€135k
Cash flow
€135k
Solvency
31.6%
Current ratio
1.46▲
2024 · 0.04
Quick ratio
1.46▲
2024 · 0.04
Debt / equity
2.17▲
2024 · -1.09
ROE
363.5%
ROA
114.7%▲
2024 · -146.4%
Interest coverage
2271.12
Debt
€77k▼
2024 · €103k
Debt ≤ 1 year
€77k▼
2024 · €103k
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€9k€113k▲
Fixed assets21/28€5k-
Tangible fixed assets22/27€5k-
Furniture and vehicles24€5k-
Current assets29/58€4k€113k▲
Cash at bank and in hand54/58€4k€113k▲
Equity and liabilities
Total equity and liabilities10/49€9k€113k▲
Equity10/15€-94k€36k▲
Profit (loss) carried forward14€-94k€36k▲
Amounts payable17/49€103k€77k▼
Amounts payable within one year42/48€103k€77k▼
Trade debts44€1k€967▼
Suppliers440/4€1k€967▼
Taxes, remuneration and social security45€10k€16k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9€8k€14k▲
Other amounts payable47/48€91k€60k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€5k
Other operating charges640/8€431-
Gross operating margin9900€-12k€135k▲
Operating profit (loss)9901€-13k€130k▲
Financial charges65/66B€110€59▼
Recurring financial charges65€110€59▼
Profit (loss) for the period before taxes9903€-13k€130k▲
Profit (loss) for the period9904€-13k€130k▲
Profit (loss) for the period to be appropriated9905€-13k€130k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-94k€36k▲
Profit (loss) brought forward from the previous period14P€-81k€-94k▼
The notes to these accounts (3 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Back to profitnet €130k
Net result €130k after 3 loss-making years.
31-12
Financial
Liquidity times 41current ratio 1.46
Current ratio from 0.04 to 1.46; short-term debt falls from €103k to €77k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Brussel · 1 establishment unit since 2010
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.
Maurice Lemonnierlaan 1681000 BrusselGround area
9,765 m²
Building footprint
8,769 m²
Volume, LiDAR
140,538 m³
Parcel 21809K0187/02A006, Brussels · tallest building 22.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CHEMS TOURS
since 20102.187.392.362
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K0187/02A006 | Brussels | 9,765 m² | 1 · 8,769 m² | 22.2 m · 6 fl. |
Linked by address, not proof of ownership
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.
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Of 359 companies in sector 82400 we hold annual accounts for 67. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2010
Fiscal year end31-12
Activities, NACEBEL
79909Travel agency, tour operator and other reservation service and related activities
82400Office administrative, office support and other business support activities
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.