Chez Vous
ActiveChez Vous has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €452. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability3▼-6
Solvency76▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.34 in 2024), and 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
43.4%
Return on assets
0.2%
Age of the figures
8 mo
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
29 d late
2023
21 d late
2022
21 d late
2021
25 d late
2020
19 d early
2019
28 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€195k▼ 11.7%
2024 · €221k
2018: €247k
2019: €339k
2020: €473k
2021: €176k
2022: €175k
2023: €195k
2024: €221k
2018 → 2025
Net result
€452▼ 71.5%
2024 · €2k
2018: €12
2019: €-17k
2020: €29k
2021: €14k
2022: €3k
2023: €3k
2024: €2k
2018 → 2025
Working capital
€46k▲ 2.2%
2024 · €45k
2018: €27k
2019: €13k
2020: €34k
2021: €59k
2022: €52k
2023: €35k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€80k▲ 4.1%€83k▲ 3.6%€84k▲ 1.9%€85k▲ 0.5%
Operating result€23k-€8k▼ 66.6%€10k▲ 31.5%€8k▼ 25.4%€8k▼ 0.4%
Net result€14k-€3k▼ 76.8%€3k▼ 8.1%€2k▼ 45.2%€452▼ 71.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 0% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€49k▲ 18.9%
Current assets
€147k▼ 18.7%
Equity and liabilities €195k
Equity
€85k▲ 0.5%
Debt
€111k▼ 19.2%
The debt ratio falls from 61.9% to 56.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2024 · €22k
Cash flow
€18k▲
2024 · €16k
Solvency
43.4%▲
2024 · 38.1%
Current ratio
1.46▲
2024 · 1.34
Quick ratio
1.44▲
2024 · 1.29
Debt / equity
1.30▼
2024 · 1.62
ROE
0.5%▼
2024 · 1.9%
ROA
0.2%▼
2024 · 0.7%
Interest coverage
4.78▲
2024 · 4.67
Debt
€111k▼
2024 · €137k
Debt ≤ 1 year
€100k▼
2024 · €135k
Debt > 1 year
€10k▲
2024 · €2k
Income taxes
€2k▼
2024 · €2k
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€221k€195k▼
Formation expenses20€0€0=
Fixed assets21/28€41k€49k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€41k€49k▲
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€12k€25k▲
Other tangible fixed assets26€7k€6k▼
Current assets29/58€180k€147k▼
Stocks and contracts in progress3€6k€2k▼
Stocks30/36€6k€1k▼
Contracts in progress37€507€777▲
Amounts receivable within one year40/41€169k€140k▼
Trade receivables40€123k€133k▲
Other amounts receivable41€46k€6k▼
Cash at bank and in hand54/58€0€0=
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€221k€195k▼
Equity10/15€84k€85k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€70k€70k▲
Amounts payable17/49€137k€111k▼
Amounts payable after more than one year17€2k€10k▲
Financial debts170/4€2k€10k▲
Amounts payable within one year42/48€135k€100k▼
Current portion of amounts payable after more than one year42€3k€7k▲
Financial debts43€24k€22k▼
Credit institutions430/8€24k€22k▼
Trade debts44€91k€38k▼
Suppliers440/4€91k€38k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€10k€30k▲
Income statement
Code20242025
Non-recurring operating income76A€123-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€649€704▲
Gross operating margin9900€24k€28k▲
Operating profit (loss)9901€8k€8k▼
Financial income75/76B€892€10▼
Recurring financial income75€892€10▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€2k€452▼
Profit (loss) for the period to be appropriated9905€2k€452▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€70k▲
Profit (loss) brought forward from the previous period14P€68k€70k▲
The notes to these accounts (10 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-17k ▼142143%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
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
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, Aywaille · 1 establishment unit since 2008
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 du Rixhon 424920 AywailleGround area
1,012 m²
Building footprint
115 m²
Volume, LiDAR
186 m³
2 parcels, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ VOUS
since 20082.172.493.162
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61026B0738/00E003 | Wallonia | 736 m² | 1 · 83 m² | - |
| 62026I1101/00A000 | Wallonia | 276 m² | 1 · 32 m² | 7.8 m · 2 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.
Similar companies · same sector, comparable size
Thor Vastgoed
BE 0723.707.892
Sint-Truiden · Eq €85k
A & M QUALITY
BE 0725.438.848
Wemmel · Eq €85k
DENDONCKER
BE 0508.801.523
Zwevegem · Eq €85k
BULL & BEAR INVESTMENTS
BE 0472.772.852
Schoten · Eq €85k
MIIX 9050
BE 1017.047.572
Deinze · Eq €85k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-07-2008
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.