CHIC A CHOC
ActiveSummary
CHIC A CHOC has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€16,449) and a net result of -€926. Equity is growing by about 8.9% per year across the filed financial years. Its solvency ranks better than 19% of 5,700 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
- Equity
- -€16,449
- Loss
- -€926
Why 54raises riskCapped at 59: negative equityNegative equity -€16,449Loss of €926 (financial year 2025)lowers riskSize: total assets €46,649Founded in 1998Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro): better than 11% on solvency, 21% on liquidity, 45% on profitability and 33% on growth.
The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 20 days before the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 76% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 96, Personal service activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 2,796 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90.4% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 2,796 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €217 | - | -€270 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,819 | €16,621 | €16,713 | €14,522 | €14,308 | €14,483 | €14,908 | €14,846 | ▼ 0.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | -€983 | -€1,069 | - | - | €2,591 | - |
| Other operating charges640/8 | - | - | - | €1,765 | €1,661 | €1,732 | €1,902 | €1,587 | ▼ 16.6% |
| Gross operating margin9900 | €46,889 | €59,638 | €19,561 | €26,965 | €18,912 | €23,231 | €23,264 | €20,545 | ▼ 11.7% |
| Operating profit (loss)9901 | €5,460 | €11,957 | -€3,852 | €11,444 | €4,013 | €7,285 | €6,453 | €1,522 | ▼ 76.4% |
| Financial income75/76B | - | - | - | - | €1 | €16 | €0 | €9 | ▲ 45× |
| Recurring financial income75 | €0 | €2 | €0 | - | €1 | €16 | €0 | €9 | ▲ 45× |
| Financial charges65/66B | - | - | - | €3,977 | €3,680 | €3,105 | €2,798 | €2,335 | ▼ 16.5% |
| Recurring financial charges65 | €5,107 | €4,741 | €4,290 | €3,977 | €3,680 | €3,105 | €2,798 | €2,335 | ▼ 16.5% |
| Profit (loss) for the period before taxes9903 | €353 | €7,218 | -€8,142 | €7,467 | €334 | €4,196 | €3,656 | -€804 | - |
| Income taxes67/77 | €206 | €236 | €206 | €171 | €125 | €123 | €128 | €122 | ▼ 4.8% |
| Profit (loss) for the period9904 | €147 | €6,982 | -€8,349 | €7,296 | €209 | €4,073 | €3,528 | -€926 | - |
| Profit (loss) for the period to be appropriated9905 | €147 | €6,982 | -€8,349 | €7,296 | €209 | €4,073 | €3,528 | -€926 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €143,903 | €136,262 | €113,690 | €107,412 | €88,473 | €76,969 | €63,140 | €46,649 | ▼ 26.1% |
| Fixed assets21/28 | €121,503 | €112,906 | €96,695 | €82,173 | €66,365 | €52,757 | €42,099 | €28,079 | ▼ 33.3% |
| Tangible fixed assets22/27 | €121,333 | €112,736 | €96,525 | €82,003 | €66,195 | €52,587 | €41,930 | €27,910 | ▼ 33.4% |
| Land and buildings22 | - | - | - | €50,400 | €43,200 | €36,000 | €28,800 | €21,600 | ▼ 25.0% |
| Plant, machinery and equipment23 | - | - | - | €310 | €209 | €109 | €8 | - | - |
| Furniture and vehicles24 | - | - | - | - | - | - | - | €795 | - |
| Other tangible fixed assets26 | - | - | - | €31,293 | €22,786 | €16,478 | €13,121 | €5,514 | ▼ 58.0% |
| Financial fixed assets28 | €170 | €170 | €170 | €170 | €170 | €170 | €170 | €170 | = |
| Current assets29/58 | €22,400 | €23,356 | €16,995 | €25,239 | €22,107 | €24,212 | €21,040 | €18,570 | ▼ 11.7% |
| Stocks and contracts in progress3 | €14,383 | €15,584 | €12,897 | €10,909 | €10,432 | €11,165 | €9,591 | €8,956 | ▼ 6.6% |
| Stocks30/36 | - | - | - | €10,909 | €10,432 | €11,165 | €9,591 | €8,956 | ▼ 6.6% |
| Amounts receivable within one year40/41 | €354 | €898 | €182 | €1,190 | €1,072 | €3,043 | €354 | €1,347 | ▲ 281% |
| Trade receivables40 | - | - | - | €1,038 | €936 | €2,875 | €131 | €195 | ▲ 49.0% |
| Other amounts receivable41 | - | - | - | €152 | €136 | €168 | €223 | €1,153 | ▲ 417% |
| Cash at bank and in hand54/58 | €6,396 | €5,344 | €2,356 | €11,757 | €9,209 | €9,208 | €10,644 | €7,099 | ▼ 33.3% |
| Deferred charges and accrued income490/1 | - | - | - | €1,382 | €1,395 | €796 | €451 | €1,168 | ▲ 159% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €143,903 | €136,262 | €113,690 | €107,412 | €88,473 | €76,969 | €63,140 | €46,649 | ▼ 26.1% |
| Equity10/15 | -€29,263 | -€22,281 | -€30,629 | -€23,333 | -€23,124 | -€19,052 | -€15,524 | -€16,449 | ▼ 6.0% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | - | - | - | - |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Profit (loss) carried forward14 | -€49,723 | -€42,741 | -€51,089 | -€43,793 | -€43,584 | -€37,652 | -€34,124 | -€35,049 | ▼ 2.7% |
| Amounts payable17/49 | €173,166 | €158,543 | €144,320 | €130,745 | €111,597 | €96,021 | €78,663 | €63,099 | ▼ 19.8% |
| Amounts payable after more than one year17 | €101,275 | €89,042 | €76,364 | €66,668 | €57,737 | €47,953 | €37,713 | €26,995 | ▼ 28.4% |
| Financial debts170/4 | - | - | - | €66,668 | €57,737 | €47,953 | €37,713 | €26,995 | ▼ 28.4% |
| Amounts payable within one year42/48 | €71,891 | €69,501 | €67,956 | €64,077 | €53,860 | €48,068 | €40,950 | €36,103 | ▼ 11.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,696 | €9,347 | €9,784 | €10,240 | €10,718 | ▲ 4.7% |
| Trade debts44 | €1,167 | €2,484 | €1,871 | €2,079 | €1,240 | €1,297 | €1,242 | €2,532 | ▲ 104% |
| Suppliers440/4 | - | - | - | €2,079 | €1,240 | €1,297 | €1,242 | €2,532 | ▲ 104% |
| Taxes, remuneration and social security45 | - | - | - | €6,989 | €7,687 | €8,395 | €8,986 | €9,626 | ▲ 7.1% |
| Taxes450/3 | - | - | - | €6,989 | €7,687 | €8,395 | €8,986 | €9,626 | ▲ 7.1% |
| Other amounts payable47/48 | - | - | - | €45,313 | €35,585 | €28,592 | €20,482 | €13,228 | ▼ 35.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €147 | €6,982 | -€8,349 | €7,296 | €209 | €4,073 | €3,528 | -€926 | - |
| + Depreciation and write-downs630 | €15,819 | €16,621 | €16,713 | €14,522 | €14,308 | €14,483 | €14,908 | €14,846 | ▼ 0.4% |
| Operating cash flow (approximation) | €15,966 | €23,603 | €8,365 | €21,818 | €14,517 | €18,555 | €18,436 | €13,920 | ▼ 24.5% |
| Investment in fixed assets (approximation) | - | -€8,024 | -€502 | €0 | €1,500 | -€874 | -€4,250 | -€826 | ▲ 80.6% |
| Change in cash | - | -€1,052 | -€2,988 | €9,401 | -€2,549 | -€1 | €1,436 | -€3,545 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 27 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 15-07-2026 | 2026-00295183 |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00339760 |
| 31-12-2023 | micro format | 12-07-2024 | 2024-00238643 |
| 31-12-2022 | micro format | 30-06-2023 | 2023-00180188 |
| 31-12-2021 | micro format | 16-07-2022 | 2022-20192907 |
| 31-12-2020 | micro format | 01-07-2021 | 2021-28100513 |
| 31-12-2019 | micro format | 03-07-2020 | 2020-25200023 |
| 31-12-2018 | micro format | 01-08-2019 | 2019-41700511 |
| 31-12-2017 | micro format | 02-07-2018 | 2018-25600421 |
| 31-12-2016 | micro format | 03-07-2017 | 2017-24700131 |
Similar companies · same sector and region
Subsidies and aid
Flemish government
2025 · 1 entry · €2,000 awarded · €2,000 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Bernaert Kelly Flore Jean-Pierre |
|
Owners and capital
Capital and shareholders
- Bernaert Kelly Flore Jean-Pierre all shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 28-12-2023 Converted to unavailable equity
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
28-12
Gazette deed
Resignation: Bernaert Kelly Flore Jean-Pierre (director)Appointment: Bernaert Kelly Flore Jean-Pierre (director) · Share issue · Capital conversion13 facts ▸
- Share issue, “vergoeding voor inbrengen”, 150 (deed in Dutch)
- General meeting, 05-12-2023
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm BV, statuten aanpassen aan Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “statutair onbeschikbare eigen vermogensrekening ex artikel 39,§2,derde lid, opheffen en beschikbaar maken voor uitkering” (deed in Dutch)
- Amendment of the articles
- Director resignation, Bernaert Kelly Flore Jean-Pierre
- Director appointment, Bernaert Kelly Flore Jean-Pierre (director (not named in the articles))
- Director discharge, Bernaert Kelly Flore Jean-Pierre
- Power of attorney, MICHEL VAN DAMME
- Shareholding, “verslag bestuursorgaan alhier bijgevoegd, mevrouw Bernaert Kelly,voornoemd” (deed in Dutch)
- Registered office clause, “precies adres zetel buiten statuten laten, 8000 Brugge,Ezelstraat 80” (deed in Dutch)
- +1 further fact in this act
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31805E0897/00P000 | Flanders | 1,071 m² | 1 · 460 m² | 15.8 m · 1 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CHIC À CHOC
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, overbrenging naar om het even welke plaats in tweetalig gebied Brussel-Hoofdstad of Nederlands taalgebied door eenvoudig…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Indien de vennootschap door meer dan één bestuurder wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Vergoeding van de bestuurders, geld en/of natura” (deed in Dutch)“Bestuursorgaan, 1” (deed in Dutch)2 more provisions on this in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Monday of June at 14:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Statutenwijziging, ontbinding om wettige redenen zoals bepaald in artikel 2:73 WVV” (deed in Dutch)“Ontbinding, ontbinding op elk moment door algemene vergadering beslissende in vormen statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Vereffenaars, algemene vergadering mag één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen” (deed in Dutch)1 more provision on this in the deed