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CHEVRAY

Active
Coöperatieve vennootschap (oud statuut)founded 198838 yrs activePorte à Camp (Bas) 12, 7971 Beloeil, BelgiumKBO/BCE: BE 0433.924.748
Summary

CHEVRAY has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€72,927) and a net result of -€857. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 5% of 15862 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 2024
Age of the figures
Age of the figures
24 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 38 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€72,927
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 150 days later.
NBB · 10 filings
Position against the passed deadline
30-09-2025 close30-04-2026 deadline27-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 03-09-2025, 126 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
126 d late
2023
46 d early
2022
62 d early
2021
27 d late
2020
32 d early
2019
58 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 25 April 1988, CHEVRAY was incorporated.1 Total assets went from EUR 9,434 in 2020 to EUR 2,927 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
€2,759
EBIT margin
-40.9%
Net result
-€857▲ 14.2%
2023 · -€999
Working capital
-€72,927▼ 1.2%
2023 · -€72,070
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
Line20202021202220232024
Turnover
Operating result€6,529-€406-€3,278▼ 707%-€854▲ 74.0%-€816▲ 4.4%
Net result€4,746-€533-€3,442▼ 546%-€999▲ 71.0%-€857▲ 14.2%
EBIT margin
Equity-€67,096▲ 6.6%-€67,629▼ 0.8%-€71,071▼ 5.1%-€72,070▼ 1.4%-€72,927▼ 1.2%
Total assets€9,434▲ 8,992%€4,817▼ 48.9%€4,094▼ 15.0%€2,875▼ 29.8%€2,927▲ 1.8%
Debt€76,530▲ 6.4%€72,446▼ 5.3%€75,165▲ 3.8%€74,944▼ 0.3%€75,854▲ 1.2%
Working capital-€67,183▲ 6.6%-€67,716▼ 0.8%-€71,071▼ 5.0%-€72,070▼ 1.4%-€72,927▼ 1.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€5,000-€2,500€0€2,500€5,000€7,500Operating result 2020: €6,529€6,529Net result 2020: €4,746€4,746Operating result 2021: -€406-€406Net result 2021: -€533-€533Operating result 2022: -€3,278-€3,278Net result 2022: -€3,442-€3,442Operating result 2023: -€854-€854Net result 2023: -€999-€999Operating result 2024: -€816-€816Net result 2024: -€857-€85720202021202220232024-€4,000-€3,000-€2,000-€1,000€0Operating result 2022: -€3,278-€3,280Net result 2022: -€3,442-€3,440Operating result 2023: -€854-€854Net result 2023: -€999-€999Operating result 2024: -€816-€816Net result 2024: -€857-€857202220232024
The operating result stays negative: a loss of €816 in 2024 against €854 in 2023; the loss shrinks.
Key figures and ratios
2024 value · change against 2023
Debt ≤ 1 year
€75,854▲
2023 · €74,944
Ratios withheld: a balance sheet total of €2,927 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.1% went bankrupt
9.9% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

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%.

The companies in ten equal groups, from lowest to highest expected share.
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 6,640 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 27 lines
Balance sheet Code20232024
Assets
Total assets20/58€2,875€2,927▲
Current assets29/58€2,875€2,927▲
Stocks and contracts in progress3€2,846€2,846=
Stocks30/36€2,846€2,846=
Amounts receivable within one year40/41-€82
Other amounts receivable41-€82
Cash at bank and in hand54/58€29-
Equity and liabilities
Total equity and liabilities10/49€2,875€2,927▲
Equity10/15-€72,070-€72,927▼
Contributions10/11€6,507€6,507=
Reserves13€846€846=
Non-distributable reserves130/1€846€846=
Reserves not available under the articles1311€846€846=
Profit (loss) carried forward14-€79,422-€80,280▼
Amounts payable17/49€74,944€75,854▲
Amounts payable within one year42/48€74,944€75,854▲
Other amounts payable47/48€74,944€75,854▲
Income statement Code20232024
Non-recurring operating charges66A€75-
Gross operating margin9900-€779-€816▼
Operating profit (loss)9901-€854-€816▲
Financial charges65/66B€145€42▼
Recurring financial charges65€145€42▼
Profit (loss) for the period before taxes9903-€999-€857▲
Profit (loss) for the period9904-€999-€857▲
Profit (loss) for the period to be appropriated9905-€999-€857▲
Appropriation of the result
Profit (loss) to be appropriated9906-€79,422-€80,280▼
Profit (loss) brought forward from the previous period14P-€78,423-€79,422▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Other operating charges640/8--€87---
Non-recurring operating charges66A-€100-€75--
Gross operating margin9900€6,529-€306-€3,192-€779-€816▼ 4.8%
Operating profit (loss)9901€6,529-€406-€3,278-€854-€816▲ 4.4%
Financial charges65/66B-€127€163€145€42▼ 71.5%
Recurring financial charges65€155€127€163€145€42▼ 71.5%
Profit (loss) for the period before taxes9903€6,374-€533-€3,442-€999-€857▲ 14.2%
Income taxes67/77€1,628-----
Profit (loss) for the period9904€4,746-€533-€3,442-€999-€857▲ 14.2%
Profit (loss) for the period to be appropriated9905€4,746-€533-€3,442-€999-€857▲ 14.2%
Line20202021202220232024Change
Assets
Total assets20/58€9,434€4,817€4,094€2,875€2,927▲ 1.8%
Fixed assets21/28€87€87----
Financial fixed assets28€87€87----
Current assets29/58€9,348€4,730€4,094€2,875€2,927▲ 1.8%
Stocks and contracts in progress3€4,638€4,638€2,846€2,846€2,846=
Stocks30/36-€4,638€2,846€2,846€2,846=
Amounts receivable within one year40/41€4,021-€946-€82-
Trade receivables40--€946---
Other amounts receivable41----€82-
Cash at bank and in hand54/58€688€92€302€29--
Equity and liabilities
Total equity and liabilities10/49€9,434€4,817€4,094€2,875€2,927▲ 1.8%
Equity10/15-€67,096-€67,629-€71,071-€72,070-€72,927▼ 1.2%
Contributions10/11-€6,507€6,507€6,507€6,507=
Reserves13€846€846€846€846€846=
Non-distributable reserves130/1-€846€846€846€846=
Reserves not available under the articles1311-€846€846€846€846=
Profit (loss) carried forward14-€74,449-€74,982-€78,423-€79,422-€80,280▼ 1.1%
Amounts payable17/49€76,530€72,446€75,165€74,944€75,854▲ 1.2%
Amounts payable within one year42/48€76,530€72,446€75,165€74,944€75,854▲ 1.2%
Trade debts44€2,511-€842---
Suppliers440/4--€842---
Taxes, remuneration and social security45--€376---
Taxes450/3--€376---
Other amounts payable47/48-€72,446€73,946€74,944€75,854▲ 1.2%
Line20202021202220232024Change
Profit (loss) for the period9904€4,746-€533-€3,442-€999-€857▲ 14.2%
Operating cash flow (approximation)€4,746-€533-€3,442-€999-€857▲ 14.2%
Investment in fixed assets (approximation)-€0----
Change in cash--€596€211-€273--

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
03-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 126 days late
2024
15-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
27-02
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial Weakest financial yearnet -€3,442
Net result drops to -€3,442, the lowest in the series; recovery starts the following year.
27-05
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
29-03
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial Back to profitnet €4,746
Net result €4,746 after 2 loss-making years.
03-03
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
18-04
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
13-03
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing Annual accounts filed
fiscal year 2016 · full schema
2016
28-03
NBB filing Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 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
4 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, Beloeil · 1 establishment unit since 1988
seat establishment The establishment unit on the map
Ground area
757 m²
Building footprint
83 m²
Volume, LiDAR
782 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHEVRAY
Porte à Camp (Bas) 10, 7971 BeloeilNACE 5141005
since 19882.037.569.627
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
51007C0530/00L006 Wallonia 406 m² 1 · 83 m² 11.2 m · 3 fl.
51007C0634/00R002indicative Wallonia 351 m² - -
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector. Of 118 companies in sector 46498 we hold annual accounts for 74. See the whole sector

Identification & contact

Identification
Legal formCoöperatieve vennootschap (oud statuut)
Founded25-04-1988
Fiscal year end30-09
Activities, NACEBEL 2025
46498Wholesale trade
46442Wholesale trade
47783Retail trade
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.