CHENZER
ActiveThe computed 12-month bankruptcy probability of CHENZER is 2.5% (moderate). The 2025 annual accounts show equity of €45k and a net result of €-333. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 12835 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency72▼-8
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.7 in 2024), but 61% 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
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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39%
Return on assets
-0.3%
Age of the figures
8 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 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
63 d late
2023
12 d early
2022
17 d late
2021
6 d early
2020
18 d early
2019
94 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-333
2024 · €15k
2018: €10k
2019: €285
2020: €3k
2021: €2k
2022: €-10k
2023: €6k
2024: €15k
2018 → 2025
Working capital
€37k▼ 15.5%
2024 · €44k
2018: €17k
2019: €6k
2020: €19k
2021: €31k
2022: €24k
2023: €30k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€24k▼ 29.3%€30k▲ 25.9%€45k▲ 50.3%€45k▼ 0.7%
Operating result€4k-€-10k€9k€21k▲ 141%€658▼ 96.9%
Net result€2k-€-10k€6k€15k▲ 145%€-333
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€8k▲ 337%
Current assets
€107k▲ 1.5%
Equity and liabilities €116k
Equity
€45k▼ 0.7%
Debt
€71k▲ 13.4%
The debt ratio rises from 57.8% to 61.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €22k
Cash flow
€861▼
2024 · €15k
Solvency
39.0%▼
2024 · 42.2%
Current ratio
1.52▼
2024 · 1.70
Quick ratio
1.52▼
2024 · 1.70
Debt / equity
1.57▲
2024 · 1.37
ROE
-0.7%▼
2024 · 33.5%
ROA
-0.3%▼
2024 · 14.1%
Interest coverage
2.89▼
2024 · 43.02
Debt
€71k▲
2024 · €62k
Debt ≤ 1 year
€71k▲
2024 · €62k
Income taxes
€1k▼
2024 · €6k
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€108k€116k▲
Fixed assets21/28€2k€8k▲
Tangible fixed assets22/27€2k€8k▲
Furniture and vehicles24€2k€8k▲
Current assets29/58€106k€107k▲
Amounts receivable within one year40/41€104k€105k▲
Trade receivables40€10k€3k▼
Other amounts receivable41€95k€103k▲
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1-€229
Equity and liabilities
Total equity and liabilities10/49€108k€116k▲
Equity10/15€45k€45k▼
Contributions10/11€40k€40k=
Profit (loss) carried forward14€5k€5k▼
Amounts payable17/49€62k€71k▲
Amounts payable within one year42/48€62k€71k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48€47k€59k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37€1k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€22k€2k▼
Operating profit (loss)9901€21k€658▼
Financial income75/76B-€998
Recurring financial income75-€998
Financial charges65/66B€500€640▲
Recurring financial charges65€500€640▲
Profit (loss) for the period before taxes9903€21k€1k▼
Income taxes67/77€6k€1k▼
Profit (loss) for the period9904€15k€-333▼
Profit (loss) for the period to be appropriated9905€15k€-333▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€5k▼
Profit (loss) brought forward from the previous period14P€-10k€5k▲
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
20-08
State Gazette act
General meeting · Registered-office move
Director appointment · Permanent representative
18-08
State Gazette act
General meeting · Registered-office move
Director appointment · Permanent representative
18-08
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 63 days late
2024
31-12
Financial
Highest result since 2018net €15k ▲145%
Operating result €21k, net result €15k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼709%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB 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, Etterbeek · 1 establishment unit since 2002
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.
Sint-Michielslaan 1231040 EtterbeekGround area
670 m²
Building footprint
325 m²
Volume, LiDAR
5,728 m³
2 parcels, Brussels · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
OLMIRO
since 20022.099.170.664
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0294/00E005 | Brussels | 360 m² | 1 · 206 m² | 21.3 m · 6 fl. |
| 21572B0239/00V000 | Brussels | 310 m² | 1 · 119 m² | 20.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
3 partiesCHENZERBE 0476.999.280
controls
Where this company holds controlthis company sits on their board3
Similar companies · same sector, comparable size
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HOLA
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Butler
BE 0454.177.160
Deinze · Eq €45k
THAI CAFE FORT-JACO
BE 0507.766.294
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Of 20,233 companies in sector 56111 we hold annual accounts for 11,307. 9,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2002
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.