CHIARA
ActiveCHIARA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €13k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 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
Profitability78▼-5
Solvency98▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 3.09 in 2024; short-term debt: 27.2% and cash: 53.7% of total assets), and 27.2% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
72.8%
Return on assets
7.2%
Age of the figures
9 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
29 d early
2022
46 d early
2021
18 d late
2020
3 d early
2019
39 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€131k▲ 10.9%
2024 · €118k
2018: €51k
2019: €61k
2020: €61k
2021: €66k
2022: €82k
2023: €99k
2024: €118k
2018 → 2025
Total assets
€180k▲ 7.9%
2024 · €167k
2018: €69k
2019: €79k
2020: €90k
2021: €92k
2022: €113k
2023: €129k
2024: €167k
2018 → 2025
Net result
€13k▼ 33.7%
2024 · €19k
2018: €-3k
2019: €10k
2020: €157
2021: €5k
2022: €16k
2023: €17k
2024: €19k
2018 → 2025
Working capital
€119k▲ 16.9%
2024 · €102k
2018: €51k
2019: €61k
2020: €61k
2021: €65k
2022: €81k
2023: €97k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€82k▲ 23.6%€99k▲ 21.1%€118k▲ 19.7%€131k▲ 10.9%
Operating result€5k-€16k▲ 219%€22k▲ 34.8%€24k▲ 11.6%€16k▼ 33.5%
Net result€5k-€16k▲ 207%€17k▲ 10.5%€19k▲ 12.9%€13k▼ 33.7%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€12k▼ 25.5%
Current assets
€168k▲ 11.6%
Equity and liabilities €180k
Equity
€131k▲ 10.9%
Debt
€49k▲ 0.7%
The debt ratio falls from 29.1% to 27.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €26k
Cash flow
€17k▼
2024 · €21k
Solvency
72.8%▲
2024 · 70.9%
Current ratio
3.43▲
2024 · 3.09
Quick ratio
2.01▲
2024 · 2.01
Debt / equity
0.37▼
2024 · 0.41
ROE
9.8%▼
2024 · 16.4%
ROA
7.2%▼
2024 · 11.7%
Interest coverage
33.58▼
2024 · 2487.21
Debt
€49k▲
2024 · €49k
Debt ≤ 1 year
€49k▲
2024 · €49k
Income taxes
€6k▼
2024 · €8k
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€167k€180k▲
Formation expenses20€0-
Fixed assets21/28€17k€12k▼
Tangible fixed assets22/27€17k€12k▼
Furniture and vehicles24€16k€12k▼
Other tangible fixed assets26€256€112▼
Financial fixed assets28€90€90=
Current assets29/58€150k€168k▲
Stocks and contracts in progress3€53k€69k▲
Stocks30/36€53k€69k▲
Amounts receivable within one year40/41€141€2k▲
Trade receivables40€140€1k▲
Other amounts receivable41€1€258▲
Cash at bank and in hand54/58€98k€97k▼
Deferred charges and accrued income490/1€96€0▼
Equity and liabilities
Total equity and liabilities10/49€167k€180k▲
Equity10/15€118k€131k▲
Contributions10/11€20k€25k▲
Reserves13€56k€63k▲
Distributable reserves133€56k€63k▲
Profit (loss) carried forward14€42k€43k▲
Amounts payable17/49€49k€49k▲
Amounts payable within one year42/48€49k€49k▲
Current portion of amounts payable after more than one year42-€13k
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€22k€13k▼
Suppliers440/4€22k€13k▼
Taxes, remuneration and social security45€23k€23k▼
Taxes450/3€23k€23k▼
Other amounts payable47/48€4k€93▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€27k€22k▼
Operating profit (loss)9901€24k€16k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€10€612▲
Recurring financial charges65€10€612▲
Profit (loss) for the period before taxes9903€28k€19k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€19k€13k▼
Profit (loss) for the period to be appropriated9905€19k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€55k▼
Profit (loss) brought forward from the previous period14P€41k€42k▲
Transfer to equity691/2€18k€12k▼
To other reserves6921€18k€12k▼
The notes to these accounts (11 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
28-07
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
31-12
Financial
Highest result since 2018net €19k ▲12.9%
Operating result €24k, net result €19k, both a record.
31-12
Financial
Equity above €100kEq €118k ▲19.7%
6 profitable years in a row build equity to €118k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
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
2 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, Ath · 1 establishment unit since 2000
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 aux Gâdes 207800 AthGround area
197 m²
Building footprint
58 m²
Volume, LiDAR
721 m³
Parcel 51004D0349/00D000, Wallonia · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
INVERSO
since 20002.096.465.453
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004D0349/00D000 | Wallonia | 197 m² | 1 · 58 m² | 15.3 m · 4 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.
Similar companies · same sector, comparable size
WOUAZIF
BE 0829.967.335
Rixensart · Eq €135k
MATHEX
BE 0655.997.538
Estaimpuis · Eq €127k
NITZ
BE 0456.141.114
Brussel · Eq €127k
ADONIS
BE 0423.230.596
Roeselare · Eq €126k
CUCARACHA
BE 0466.396.784
Watermaal-Bosvoorde · Eq €125k
Of 460 companies in sector 47712 we hold annual accounts for 269. 205 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2000
Fiscal year end31-12
Activities, NACEBEL
47712Retail trade
52422
47721Retail sale of footwear
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.