CHIAPPARO CONSTRUCTIONS
ActiveCHIAPPARO CONSTRUCTIONS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €-4k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 2147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency89▲+40
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 2.2 in 2024), but 55.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
25 d late
2023
28 d late
2022
20 d late
2021
18 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k
2024 · €87k
2018: €-11k
2019: €2k
2020: €16k
2021: €45k
2022: €-15k
2023: €-19k
2024: €87k
2018 → 2025
Working capital
€164k▼ 58.9%
2024 · €399k
2018: €19k
2019: €28k
2020: €456k
2021: €101k
2022: €85k
2023: €884k
2024: €399k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€86k▼ 15.3%€67k▼ 21.8%€154k▲ 129%€150k▼ 2.6%
Operating result€77k-€-15k€9k€185k▲ 1,917%€-6k
Net result€45k-€-15k€-19k▼ 20.8%€87k€-4k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €185k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€3k▲ 7.3%
Current assets
€331k▼ 54.8%
Equity and liabilities €334k
Equity
€150k▼ 2.6%
Debt
€184k▼ 68.4%
The debt ratio falls from 79.1% to 55.1%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
44.9%▲
2024 · 20.9%
Current ratio
1.98▼
2024 · 2.20
Quick ratio
0.74▲
2024 · 0.60
Debt / equity
1.23▼
2024 · 3.78
ROE
-2.7%▼
2024 · 56.3%
ROA
-1.2%▼
2024 · 11.8%
Debt
€184k▼
2024 · €581k
Debt ≤ 1 year
€167k▼
2024 · €334k
Debt > 1 year
€0▼
2024 · €230k
Income taxes
€-6k▼
2024 · €30k
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€735k€334k▼
Fixed assets21/28€3k€3k▲
Financial fixed assets28€3k€3k▲
Current assets29/58€732k€331k▼
Stocks and contracts in progress3€532k€208k▼
Stocks30/36€532k€208k▼
Amounts receivable within one year40/41€0€115k▲
Trade receivables40€0€0=
Other amounts receivable41€0€115k▲
Cash at bank and in hand54/58€198k€7k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€735k€334k▼
Equity10/15€154k€150k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€133k€129k▼
Amounts payable17/49€581k€184k▼
Amounts payable after more than one year17€230k€0▼
Financial debts170/4€230k€0▼
Amounts payable within one year42/48€334k€167k▼
Trade debts44€74k€28k▼
Suppliers440/4€73k€28k▼
Bills of exchange payable441€550€550=
Taxes, remuneration and social security45€226k€121▼
Taxes450/3€226k€121▼
Other amounts payable47/48€33k€138k▲
Accrued charges and deferred income492/3€17k€17k=
Income statement
Code20242025
Other operating charges640/8€584€1k▲
Gross operating margin9900€185k€-5k▼
Operating profit (loss)9901€185k€-6k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€68k€4k▼
Recurring financial charges65€68k€4k▼
Profit (loss) for the period before taxes9903€117k€-10k▼
Income taxes67/77€30k€-6k▼
Profit (loss) for the period9904€87k€-4k▼
Profit (loss) for the period to be appropriated9905€87k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€133k€129k▼
Profit (loss) brought forward from the previous period14P€47k€133k▲
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Back to profitnet €87k
Net result €87k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €154k ▲129%
Equity rises from €67k to €154k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 11.64
Current ratio from 4.72 to 11.64.
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 20 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 5.21
Current ratio from 1.81 to 5.21; short-term debt falls from €560k to €24k.
31-12
Financial
Equity above €100kEq €101k ▲80.7%
3 profitable years in a row build equity to €101k.
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 · micro schema · 80 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 50 days late
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Chiapparo Gregory
CurrentDirector · since 06-06-2025
06-06-2025
Appointed as Director
Location & real-estate footprint
Registered office, La Louvière · 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 Coron Postia(PAU) 87100 La LouvièreGround area
960 m²
Building footprint
97 m²
Volume, LiDAR
663 m³
2 parcels, Wallonia · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Dieudonné François(TRI) 29, 7100 La Louvière
since 20152.249.190.864
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55015B0030/00L004 | Wallonia | 629 m² | - | - |
| 55046C0097/00Z025 | Wallonia | 331 m² | 1 · 97 m² | 10.3 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.
Recognitions · licences · registrations
Recognised contractor
18 categoriesCHIAPPARO CONSTRUCTIONS SRL36699
Similar companies · same sector, comparable size
MATIDAN RENOV
BE 0719.325.274
Beersel · Eq €150k
KDC BOUWWERKEN
BE 0833.797.944
Maarkedal · Eq €150k
BRUNO SIMONS
BE 0862.495.294
Herve · Eq €150k
BASIL BINNEN & BUITEN RENOVATIE
BE 0792.428.929
Hoogstraten · Eq €150k
G.T.J. HOME
BE 0631.854.634
Chaudfontaine · Eq €150k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 12,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.