CHEN
ActiveCHEN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €25k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 13159 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+20
Solvency54▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 2.53 in 2024; short-term debt: 7% and cash: 2.3% of total assets), but 71.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
28.6%
Return on assets
3.6%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
28 d late
2022
29 d late
2021
22 d late
2020
23 d late
2019
81 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, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€202k▲ 13.6%
2024 · €177k
2018: €54k
2019: €58k
2020: €73k
2021: €102k
2022: €131k
2023: €179k
2024: €177k
2018 → 2025
Total assets
€705k▼ 1.7%
2024 · €717k
2018: €57k
2019: €66k
2020: €135k
2021: €165k
2022: €193k
2023: €237k
2024: €717k
2018 → 2025
Net result
€25k
2024 · €-2k
2018: €5k
2019: €4k
2020: €61k
2021: €68k
2022: €30k
2023: €48k
2024: €-2k
2018 → 2025
Working capital
€135k▲ 28.1%
2024 · €105k
2018: €36k
2019: €25k
2020: €21k
2021: €57k
2022: €96k
2023: €149k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€131k▲ 29.1%€179k▲ 36.8%€177k▼ 1.1%€202k▲ 13.6%
Operating result€84k-€45k▼ 47.1%€68k▲ 53.6%€13k▼ 81.5%€61k▲ 381%
Net result€68k-€30k▼ 56.6%€48k▲ 63.1%€-2k€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 381% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €705k
Fixed assets
€520k▼ 4.1%
Current assets
€185k▲ 6.0%
Equity and liabilities €705k
Equity
€202k▲ 13.6%
Debt
€504k▼ 6.7%
The debt ratio falls from 75.3% to 71.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€96k▲
2024 · €37k
Cash flow
€60k▲
2024 · €22k
Solvency
28.6%▲
2024 · 24.7%
Current ratio
3.72▲
2024 · 2.53
Quick ratio
3.68▲
2024 · 2.51
Debt / equity
2.50▼
2024 · 3.04
ROE
12.5%▲
2024 · -1.1%
ROA
3.6%▲
2024 · -0.3%
Interest coverage
3.94▲
2024 · 2.14
Debt
€504k▼
2024 · €540k
Debt ≤ 1 year
€50k▼
2024 · €69k
Debt > 1 year
€454k▼
2024 · €471k
Income taxes
€11k▲
2024 · €642
Staff costs
€21k▲
2024 · €18k
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€717k€705k▼
Fixed assets21/28€543k€520k▼
Tangible fixed assets22/27€543k€520k▼
Land and buildings22€483k€463k▼
Plant, machinery and equipment23€40k€29k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€13k€22k▲
Current assets29/58€174k€185k▲
Amounts receivable after more than one year29€102k€102k=
Trade receivables290€102k€102k=
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€50k€62k▲
Trade receivables40-€352
Other amounts receivable41€50k€61k▲
Cash at bank and in hand54/58€18k€16k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€717k€705k▼
Equity10/15€177k€202k▲
Contributions10/11€5k€5k=
Reserves13€174k€197k▲
Distributable reserves133€174k€197k▲
Profit (loss) carried forward14€-2k-
Amounts payable17/49€540k€504k▼
Amounts payable after more than one year17€471k€454k▼
Financial debts170/4€471k€454k▼
Amounts payable within one year42/48€69k€50k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€7k€17k▲
Suppliers440/4€7k€17k▲
Taxes, remuneration and social security45€40k€16k▼
Taxes450/3€39k€15k▼
Remuneration and social security454/9€1k€1k▼
Other amounts payable47/48€5k-
Income statement
Code20242025
Remuneration, social security and pensions62€18k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€35k▲
Other operating charges640/8€67k€4k▼
Gross operating margin9900€122k€121k▼
Operating profit (loss)9901€13k€61k▲
Financial income75/76B€3k€41▼
Recurring financial income75€3k€41▼
Financial charges65/66B€17k€24k▲
Recurring financial charges65€17k€24k▲
Profit (loss) for the period before taxes9903€-1k€37k▲
Income taxes67/77€642€11k▲
Profit (loss) for the period9904€-2k€25k▲
Profit (loss) for the period to be appropriated9905€-2k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€23k▲
Profit (loss) brought forward from the previous period14P-€-2k
Transfer to equity691/2-€22k
To other reserves6921-€22k
Profit to be distributed694/7-€926
Return on contributions (dividend)694-€926
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Equity above €200kEq €202k ▲13.6%
Equity rises from €177k to €202k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼104%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €150kEq €179k ▲36.8%
6 profitable years in a row build equity to €179k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €68k ▲12.3%
Net result €68k, the highest in the series.
31-12
Financial
Equity above €100kEq €102k ▲38.5%
4 profitable years in a row build equity to €102k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Temse · 1 establishment unit since 2016
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.
Legen Heirweg 139140 TemseGround area
297 m²
Building footprint
196 m²
Volume, LiDAR
1,236 m³
Parcel 46008A0735/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHEN
since 20162.253.836.273
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A0735/00C000 | Flanders | 297 m² | 1 · 196 m² | 9.3 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTemse2.253.836.273
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EREN
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,778. 6,675 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2016
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.