CHIB GROUP
ActiveSummary
CHIB GROUP has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €277k and a net result of €2k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▼-30
Solvency100▲+59
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 5.7 against 1.18 in 2023; short-term debt: 14.5% and cash: 57.3% of total assets), and 14.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
13 d early
2022
13 d early
2021
31 d late
2020
23 d late
2019
90 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€277k▲ 0.9%
2023 · €274k
2019: €34k
2020: €103k
2021: €212k
2022: €274k
2023: €274k
2019 → 2024
Total assets
€323k▼ 80.9%
2023 · €1.70M
2019: €50k
2020: €418k
2021: €308k
2022: €344k
2023: €1.70M
2019 → 2024
Net result
€2k▼ 99.8%
2023 · €1.36M
2019: €24k
2020: €69k
2021: €110k
2022: €62k
2023: €1.36M
2019 → 2024
Working capital
€220k▼ 13.0%
2023 · €253k
2019: €32k
2020: €-16k
2021: €103k
2022: €150k
2023: €253k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€103k-€212k▲ 107%€274k▲ 29.0%€274k=€277k▲ 0.9%
Operating result€97k-€161k▲ 66.7%€87k▼ 46.2%€221k▲ 155%€6k▼ 97.2%
Net result€69k-€110k▲ 58.2%€62k▼ 43.8%€1.36M▲ 2,107%€2k▼ 99.8%
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 2024; 2024 is 97% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €323k
Fixed assets
€56k ▲ 169%
Current assets
€267k ▼ 84.1%
Equity and liabilities €323k
Equity
€277k ▲ 0.9%
Debt
€47k ▼ 96.7%
Debt's share of the balance-sheet total falls from 83.8% to 14.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2023 · €228k
Cash flow
€17k▼
2023 · €1.37M
Current ratio
5.70▲
2023 · 1.18
Debt to equity
0.17▼
2023 · 5.19
ROE
0.9%▼
2023 · 496.1%
ROA
0.8%▼
2023 · 80.1%
Interest coverage
10.71▼
2023 · 101.53
Debt ≤ 1 year
€47k▼
2023 · €1.42M
Income taxes
€21k▼
2023 · €52k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.70M€323k▼
Fixed assets21/28€21k€56k▲
Tangible fixed assets22/27€20k€56k▲
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€4k€9k▲
Other tangible fixed assets26€11k€44k▲
Financial fixed assets28€758€758=
Current assets29/58€1.68M€267k▼
Amounts receivable after more than one year29€1.02M-
Other amounts receivable291€1.02M-
Amounts receivable within one year40/41€62k€81k▲
Trade receivables40€42k€18k▼
Other amounts receivable41€20k€63k▲
Current investments50/53€500k-
Cash at bank and in hand54/58€89k€185k▲
Deferred charges and accrued income490/1€1k€699▼
Equity and liabilities
Total equity and liabilities10/49€1.70M€323k▼
Equity10/15€274k€277k▲
Contributions10/11€10k€10k=
Reserves13€264k€267k▲
Distributable reserves133€264k€267k▲
Amounts payable17/49€1.42M€47k▼
Amounts payable within one year42/48€1.42M€47k▼
Trade debts44€22k€7k▼
Suppliers440/4€22k€7k▼
Taxes, remuneration and social security45€41k€40k▼
Taxes450/3€41k€40k▼
Other amounts payable47/48€1.36M-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€14k▲
Other operating charges640/8€995€869▼
Gross operating margin9900€229k€21k▼
Operating profit (loss)9901€221k€6k▼
Financial income75/76B€1.19M€22k▼
Recurring financial income75€1.19M€22k▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€1.41M€24k▼
Income taxes67/77€52k€21k▼
Profit (loss) for the period9904€1.36M€2k▼
Profit (loss) for the period to be appropriated9905€1.36M€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.36M€2k▼
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€1.36M-
Return on contributions (dividend)694€1.36M-
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼99.8%
Net result drops to €2k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 5.70
Current ratio from 1.18 to 5.70; short-term debt falls from €1.42M to €47k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €1.36M ▲2,107%
Operating result €221k, net result €1.36M, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 2.07
Current ratio from 0.83 to 2.07.
31-12
Financial
Equity above €200kEq €212k ▲107%
3 profitable years in a row build equity to €212k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €100kEq €103k ▲206%
2 profitable years in a row build equity to €103k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2019
Ground area
1,104 m²
Building footprint
156 m²
Volume, LiDAR
822 m³
Parcel 71032B0602/00K006, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHIB GROUP
since 20192.291.921.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0602/00K006 | Flanders | 1,104 m² | 1 · 156 m² | 7.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 885 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 885 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 13,962 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bob.serneels@telenet.be