CHESSDEVIL CONSULTING
ActiveCHESSDEVIL CONSULTING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very 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
Profitability84▲+4
Solvency48▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 0.79 in 2024; short-term debt: 41.5% and cash: 38.6% of total assets), and 76.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
23.4%
Return on assets
12.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 23%
← weakest
strongest →
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 €36k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
11 d late
2023
2 d early
2022
3 d early
2021
24 d late
2020
1 d early
2019
12 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 89.6%
2024 · €19k
2018: €11k
2019: €6k
2020: €6k
2021: €3k
2022: €-17k
2023: €12k
2024: €19k
2018 → 2025
Total assets
€154k▲ 3.4%
2024 · €149k
2018: €50k
2019: €137k
2020: €140k
2021: €145k
2022: €131k
2023: €157k
2024: €149k
2018 → 2025
Net result
€19k▲ 39.3%
2024 · €13k
2018: €12k
2019: €-5k
2020: €18
2021: €-3k
2022: €-20k
2023: €28k
2024: €13k
2018 → 2025
Working capital
€10k
2024 · €-14k
2018: €9k
2019: €-20k
2020: €-15k
2021: €-11k
2022: €-27k
2023: €-31k
2024: €-14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-17k€12k€19k▲ 64.6%€36k▲ 89.6%
Operating result€-2k-€-17k▼ 949%€32k€19k▼ 40.0%€26k▲ 34.2%
Net result€-3k-€-20k▼ 554%€28k€13k▼ 52.2%€19k▲ 39.3%
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 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€80k▼ 16.2%
Current assets
€74k▲ 38.2%
Equity and liabilities €154k
Equity
€36k▲ 89.6%
Debt
€118k▼ 9.1%
The debt ratio falls from 87.3% to 76.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €35k
Cash flow
€34k▲
2024 · €29k
Solvency
23.4%▲
2024 · 12.7%
Current ratio
1.16▲
2024 · 0.79
Quick ratio
1.16▲
2024 · 0.79
Debt / equity
3.28▼
2024 · 6.85
ROE
51.9%▼
2024 · 70.6%
ROA
12.1%▲
2024 · 9.0%
Interest coverage
34.72▲
2024 · 27.65
Debt
€118k▼
2024 · €130k
Debt ≤ 1 year
€64k▼
2024 · €68k
Debt > 1 year
€52k▼
2024 · €59k
Income taxes
€6k▲
2024 · €4k
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€149k€154k▲
Formation expenses20-€0
Fixed assets21/28€95k€80k▼
Tangible fixed assets22/27€95k€80k▼
Land and buildings22€73k€65k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€21k€14k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€250€250=
Current assets29/58€54k€74k▲
Amounts receivable within one year40/41€15k€15k▼
Trade receivables40€12k€15k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€31k€60k▲
Deferred charges and accrued income490/1€8k€29▼
Equity and liabilities
Total equity and liabilities10/49€149k€154k▲
Equity10/15€19k€36k▲
Contributions10/11€19k€19k=
Reserves13€425€425=
Non-distributable reserves130/1€425€425=
Reserves not available under the articles1311€425€425=
Profit (loss) carried forward14-€17k
Amounts payable17/49€130k€118k▼
Amounts payable after more than one year17€59k€52k▼
Financial debts170/4€59k€52k▼
Amounts payable within one year42/48€68k€64k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43€15k-
Other loans439€15k-
Trade debts44€4k€174▼
Suppliers440/4€4k€174▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€36k€51k▲
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€37k€44k▲
Operating profit (loss)9901€19k€26k▲
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€18k€24k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€13k€19k▲
Profit (loss) for the period to be appropriated9905€13k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€19k▲
Profit (loss) brought forward from the previous period14P€-7k-
Profit to be distributed694/7€6k€2k▼
Return on contributions (dividend)694€6k€2k▼
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €18
Net result €18 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Edegem · 2 establishment units 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.
Nicolaas Lemmensstraat 112650 EdegemGround area
1,206 m²
Building footprint
1,024 m²
Volume, LiDAR
13,421 m³
2 parcels, Flanders · tallest building 22.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
CHESSDEVIL CONSULTING
since 20152.243.946.926
Cirkelstraat 26, 8400 Oostende
since 20192.296.289.512
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0620/00V007 | Flanders | 927 m² | 1 · 945 m² | 22.4 m · 5 fl. |
| 11013A0002/00G004 | Flanders | 279 m² | 1 · 79 m² | 10.7 m · 3 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 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-07-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
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.