Chess Consult
ActiveSummary
Chess Consult has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €55k. Equity is growing by ~48.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 11.49 against 5.73 in 2024; short-term debt: 7.9% and cash: 69.9% of total assets), and 12.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
87.5%
Return on assets
23.2%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-06-2026, 35 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 · 4 filingsDeviation from the deadline
2025
35 d late
2024
9 d late
2023
31 d late
2022
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 36.1%
2024 · €152k
2022: €36k
2023: €85k
2024: €152k
2022 → 2025
Total assets
€236k▲ 29.3%
2024 · €183k
2022: €89k
2023: €130k
2024: €183k
2022 → 2025
Net result
€55k▼ 18.4%
2024 · €67k
2022: €34k
2023: €48k
2024: €67k
2022 → 2025
Working capital
€196k▲ 44.1%
2024 · €136k
2022: €13k
2023: €60k
2024: €136k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€85k▲ 132%€152k▲ 79.4%€206k▲ 36.1%
Operating result€47k-€67k▲ 43.1%€85k▲ 25.9%€77k▼ 9.5%
Net result€34k-€48k▲ 42.1%€67k▲ 39.4%€55k▼ 18.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€21k ▲ 20.2%
Current assets
€215k ▲ 30.3%
Equity and liabilities €236k
Equity
€206k ▲ 36.1%
Debt
€30k ▼ 4.0%
Debt's share of the balance-sheet total falls from 16.9% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▼
2024 · €93k
Cash flow
€63k▼
2024 · €75k
Current ratio
11.49▲
2024 · 5.73
Debt to equity
0.14▼
2024 · 0.20
ROE
26.5%▼
2024 · 44.3%
ROA
23.2%▼
2024 · 36.8%
Interest coverage
185.98▼
2024 · 217.19
Debt ≤ 1 year
€19k▼
2024 · €29k
Income taxes
€22k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€183k€236k▲
Fixed assets21/28€18k€21k▲
Tangible fixed assets22/27€18k€21k▲
Plant, machinery and equipment23€23€2k▲
Furniture and vehicles24€15k€10k▼
Other tangible fixed assets26€2k€9k▲
Current assets29/58€165k€215k▲
Amounts receivable within one year40/41€56k€49k▼
Trade receivables40€38k€49k▲
Other amounts receivable41€18k€1▼
Cash at bank and in hand54/58€108k€165k▲
Deferred charges and accrued income490/1€817€572▼
Equity and liabilities
Total equity and liabilities10/49€183k€236k▲
Equity10/15€152k€206k▲
Contributions10/11€3k€3k=
Reserves13€82k€137k▲
Distributable reserves133€82k€137k▲
Profit (loss) carried forward14€67k€67k=
Amounts payable17/49€31k€30k▼
Amounts payable within one year42/48€29k€19k▼
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€20k€17k▼
Taxes450/3€18k€15k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€6k€2k▼
Accrued charges and deferred income492/3€2k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€400€790▲
Gross operating margin9900€93k€86k▼
Operating profit (loss)9901€85k€77k▼
Financial income75/76B€94€0▼
Recurring financial income75€94€0▼
Financial charges65/66B€427€457▲
Recurring financial charges65€427€457▲
Profit (loss) for the period before taxes9903€85k€76k▼
Income taxes67/77€17k€22k▲
Profit (loss) for the period9904€67k€55k▼
Profit (loss) for the period to be appropriated9905€67k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€122k▲
Profit (loss) brought forward from the previous period14P-€67k
Transfer to equity691/2-€55k
To the legal reserve6920-€55k
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 35 days late
2025
30-09
Financial
Liquidity doublescurrent ratio 11.49
Current ratio from 5.73 to 11.49; short-term debt falls from €29k to €19k.
30-09
Financial
Equity above €200kEq €206k ▲36.1%
4 profitable years in a row build equity to €206k.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
30-09
Financial
Highest result since 2022net €67k ▲39.4%
Operating result €85k, net result €67k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 5.73
Current ratio from 2.34 to 5.73; short-term debt falls from €45k to €29k.
30-09
Financial
Equity above €150kEq €152k ▲79.4%
3 profitable years in a row build equity to €152k.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tremelo · 1 establishment unit since 2021
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.
Pandhoevestraat 23128 TremeloGround area
1,106 m²
Building footprint
221 m²
Volume, LiDAR
1,071 m³
Parcel 24006B0285/00N000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chess Consult
since 20212.321.725.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24006B0285/00N000 | Flanders | 1,106 m² | 1 · 221 m² | 7.7 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 245 EUR awarded · 62 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 245 EUR | 62 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Uyttendaele Geert - De Smet
BE 0744.897.246
Lochristi · Eq €206,541
HR Construct
BE 1004.667.206
Temse · Eq €206,442
Sven Noelants
BE 0765.982.373
Zoersel · Eq €206,679
FASHION P.R. BENELUX
BE 0464.277.731
Antwerpen · Eq €206,702
Barlo Consulting
BE 0664.740.010
Hoogstraten · Eq €206,758
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,886 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2021
Fiscal year end30-09
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.