CHERIF
ActiveSummary
The computed 12-month bankruptcy probability of CHERIF is 3.3% (moderate). The 2025 annual accounts show negative equity (-€7,202) and a net result of -€8,169. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 18537 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-35
Growth23▼-17
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.91 in 2024; short-term debt: 195.9% and cash: 21.3% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-95.9%
Return on assets
-108.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€7,202
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 8 filingsDeviation from the deadline
2025
38 d late
2024
64 d late
2023
230 d late
2022
30 d early
2021
40 d late
2020
36 d early
2019
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€68,366▼ 21.1%
2022 · €86,695
EBIT margin
-10.7%▼ 12.0pp
2022 · 1.3%
Net result
-€8,169▼ 189%
2024 · -€2,825
Working capital
-€8,902▼ 1,114%
2024 · -€733
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€120,518▼ 4.4%€86,695▼ 28.1%€68,366▼ 21.1%
Operating result-€4,562€1,152-€7,321-€2,663▲ 63.6%-€8,125▼ 205%
Net result-€4,610€1,487-€7,082-€2,825▲ 60.1%-€8,169▼ 189%
EBIT margin-3.8%▼ 5.3pp1.3%▲ 5.1pp-10.7%▼ 12.0pp
Equity€3,187▼ 59.1%€4,673▲ 46.7%-€2,408€967-€7,202
Total assets€6,561▼ 41.6%€10,259▲ 56.4%€5,920▼ 42.3%€9,275▲ 56.7%€7,510▼ 19.0%
Debt€3,374▼ 1.6%€5,585▲ 65.5%€8,328▲ 49.1%€8,308▼ 0.2%€14,712▲ 77.1%
Working capital€1,487▼ 67.7%€2,973▲ 100%-€4,108-€733▲ 82.2%-€8,902▼ 1,114%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,125 in 2025 against €2,663 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7,510
Fixed assets
€1,700 =
Current assets
€5,810 ▼ 23.3%
Key figures and ratios
Solvency
-95.9%▼
2024 · 10.4%
Current ratio
0.39▼
2024 · 0.91
Quick ratio
0.11▼
2024 · 0.27
Debt to equity
-2.04
ROA
-108.8%▼
2024 · -30.5%
Debt ≤ 1 year
€14,712▲
2024 · €8,308
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €120,518 | €86,695 | €68,366 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €123,331 | €84,846 | €75,515 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,500 | - | - | - | - | - |
| Other operating charges640/8 | €250 | €697 | €172 | - | €376 | - |
| Gross operating margin9900 | -€2,812 | €1,849 | -€7,149 | -€2,663 | -€7,749 | ▼ 191% |
| Operating profit (loss)9901 | -€4,562 | €1,152 | -€7,321 | -€2,663 | -€8,125 | ▼ 205% |
| Financial income75/76B | - | €377 | €281 | - | - | - |
| Recurring financial income75 | - | €377 | €281 | - | - | - |
| Financial charges65/66B | €47 | €42 | €42 | €162 | €44 | ▼ 72.8% |
| Recurring financial charges65 | €47 | €42 | €42 | €162 | €44 | ▼ 72.8% |
| Profit (loss) for the period before taxes9903 | -€4,610 | €1,487 | -€7,082 | -€2,825 | -€8,169 | ▼ 189% |
| Profit (loss) for the period9904 | -€4,610 | €1,487 | -€7,082 | -€2,825 | -€8,169 | ▼ 189% |
| Profit (loss) for the period to be appropriated9905 | -€4,610 | €1,487 | -€7,082 | -€2,825 | -€8,169 | ▼ 189% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,561 | €10,259 | €5,920 | €9,275 | €7,510 | ▼ 19.0% |
| Fixed assets21/28 | €1,700 | €1,700 | €1,700 | €1,700 | €1,700 | = |
| Financial fixed assets28 | €1,700 | €1,700 | €1,700 | €1,700 | €1,700 | = |
| Current assets29/58 | €4,861 | €8,559 | €4,220 | €7,575 | €5,810 | ▼ 23.3% |
| Stocks and contracts in progress3 | €3,125 | €3,425 | €3,100 | €5,350 | €4,210 | ▼ 21.3% |
| Stocks30/36 | €3,125 | €3,425 | €3,100 | €5,350 | €4,210 | ▼ 21.3% |
| Amounts receivable within one year40/41 | €1,344 | €3,596 | - | - | - | - |
| Other amounts receivable41 | €1,344 | €3,596 | - | - | - | - |
| Cash at bank and in hand54/58 | €392 | €1,537 | €1,120 | €2,225 | €1,600 | ▼ 28.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,561 | €10,259 | €5,920 | €9,275 | €7,510 | ▼ 19.0% |
| Equity10/15 | €3,187 | €4,673 | -€2,408 | €967 | -€7,202 | ▼ 845% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €18,600 | €18,600 | = |
| Reserves13 | €220 | €220 | €220 | €220 | €220 | = |
| Non-distributable reserves130/1 | €220 | €220 | €220 | €220 | €220 | = |
| Reserves not available under the articles1311 | €220 | €220 | €220 | €220 | €220 | = |
| Profit (loss) carried forward14 | -€9,433 | -€7,946 | -€15,028 | -€17,853 | -€26,022 | ▼ 45.8% |
| Amounts payable17/49 | €3,374 | €5,585 | €8,328 | €8,308 | €14,712 | ▲ 77.1% |
| Amounts payable within one year42/48 | €3,374 | €5,585 | €8,328 | €8,308 | €14,712 | ▲ 77.1% |
| Trade debts44 | €93 | €2,161 | €715 | €3,154 | €11,378 | ▲ 261% |
| Suppliers440/4 | €93 | €2,161 | €715 | €3,154 | €11,378 | ▲ 261% |
| Taxes, remuneration and social security45 | €3,281 | €3,424 | €4,423 | €1,964 | €144 | ▼ 92.7% |
| Taxes450/3 | €3,281 | €3,424 | €2,973 | €1,964 | €144 | ▼ 92.7% |
| Remuneration and social security454/9 | - | - | €1,450 | - | - | - |
| Other amounts payable47/48 | - | - | €3,190 | €3,190 | €3,190 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,610 | €1,487 | -€7,082 | -€2,825 | -€8,169 | ▼ 189% |
| + Depreciation and write-downs630 | €1,500 | - | - | - | - | - |
| Operating cash flow (approximation) | -€3,110 | €1,487 | -€7,082 | -€2,825 | -€8,169 | ▼ 189% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €1,145 | -€417 | €1,105 | -€625 | ▼ 157% |
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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
2025
31-12
Financial
Weakest financial yearnet -€8,169
Net result drops to -€8,169, the lowest in the series.
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 64 days late
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 230 days late
2023
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1,487
Net result €1,487 after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €1,826
Net result €1,826 after 2 loss-making years.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
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.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Schaarbeek · 1 establishment unit since 2017
Ground area
73 m²
Building footprint
72 m²
Volume, LiDAR
944 m³
Parcel 21906D0118/00K007, Brussels · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
.
since 20172.260.153.349
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0118/00K007 | Brussels | 73 m² | 1 · 72 m² | 15.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.260.153.349
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Of 458 companies in sector 47712 we hold annual accounts for 268. 30 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 (pre-2019)
Founded03-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47712Retail trade
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668683554
Also
9925:BE0668683554
Registered
07-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.