CHESS BELGIUM
ActiveCHESS BELGIUM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €16k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 65% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency86▲+35
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.36 in 2024; short-term debt: 39% and cash: 17.8% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
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
61%
Return on assets
28.9%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €33k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
42 d late
2022
30 d late
2021
54 d late
2020
31 d late
2019
80 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
22-09-2026 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
€16k▼ 45.4%
2024 · €29k
2018: €3k
2019: €19k
2020: €30k
2021: €41k
2022: €30k
2023: €47k
2024: €29k
2018 → 2025
Working capital
€-5k▲ 85.3%
2024 · €-33k
2018: €59k
2019: €-16k
2020: €-5k
2021: €-934
2022: €3k
2023: €6k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€15k▲ 0.5%€15k▲ 0.2%€18k▲ 19.9%€33k▲ 89.7%
Operating result€41k-€30k▼ 27.2%€49k▲ 63.1%€41k▼ 17.3%€24k▼ 40.6%
Net result€41k-€30k▼ 27.5%€47k▲ 57.0%€29k▼ 38.4%€16k▼ 45.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€38k▼ 24.3%
Current assets
€16k▼ 10.0%
Equity and liabilities €55k
Equity
€33k▲ 89.7%
Debt
€21k▼ 58.4%
The debt ratio falls from 74.4% to 39.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €51k
Cash flow
€28k▼
2024 · €40k
Solvency
61.0%▲
2024 · 25.6%
Current ratio
0.77▲
2024 · 0.36
Quick ratio
0.77▲
2024 · 0.36
Debt / equity
0.64▼
2024 · 2.91
ROE
47.3%▼
2024 · 164.1%
ROA
28.9%▼
2024 · 42.0%
Interest coverage
551.67▲
2024 · 117.16
Debt
€21k▼
2024 · €51k
Debt ≤ 1 year
€21k▼
2024 · €51k
Income taxes
€8k▼
2024 · €11k
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€69k€55k▼
Fixed assets21/28€51k€38k▼
Tangible fixed assets22/27€50k€38k▼
Furniture and vehicles24€43k€33k▼
Leasing and similar rights25€7k€5k▼
Financial fixed assets28€130€130=
Current assets29/58€18k€16k▼
Amounts receivable within one year40/41€14k€7k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€4k€10k▲
Equity and liabilities
Total equity and liabilities10/49€69k€55k▼
Equity10/15€18k€33k▲
Contributions10/11€37k€19k▼
Reserves13-€15k
Distributable reserves133-€15k
Profit (loss) carried forward14€-19k-
Amounts payable17/49€51k€21k▼
Amounts payable within one year42/48€51k€21k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€43k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€1k€628▼
Gross operating margin9900€53k€37k▼
Operating profit (loss)9901€41k€24k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€439€66▼
Recurring financial charges65€439€66▼
Profit (loss) for the period before taxes9903€40k€24k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€29k€16k▼
Profit (loss) for the period to be appropriated9905€29k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-3k▼
Profit (loss) brought forward from the previous period14P€-22k€-19k▲
Transfer from equity791/2-€18k
Transfer to equity691/2-€15k
To other reserves6921-€15k
Profit to be distributed694/7€26k-
Return on contributions (dividend)694€26k-
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
31-12
Financial
Highest result since 2018net €47k ▲57%
Operating result €49k, net result €47k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 54 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 80 days late
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 82 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamois · 1 establishment unit since 2015
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.
Rue Saint-Pierre 485360 HamoisGround area
943 m²
Building footprint
293 m²
Volume, LiDAR
744 m³
2 parcels, Brussels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CHESS BELGIUM SPRL
since 20152.241.026.731
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91059E0524/00L000 | Wallonia | 776 m² | 1 · 214 m² | - |
| 21910E0174/00R000 | Brussels | 167 m² | 1 · 79 m² | 13.8 m · 4 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.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2014
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.