Overdue debts
The annual accounts state €89 of overdue tax debts on 31-12-2024.
The annual accounts state €89 of overdue tax debts on 31-12-2024.
Every financial year from 2021 to 2024 closed with a loss. 2023 was the heaviest.
€31,514 of the debts are secured on the company's own assets.
Mandates to pledge the business, new in 2024. 2.6 times equity · not in the 2023 accounts.
Between 2021 and 2024, 65% of the full-time equivalents disappeared.
2025 accounts not filed: deadline was 31-07-2026.
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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 46, micro). It does better than 37% of them on solvency, 30% on liquidity, 14% on profitability and 15% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,133 companies had the same profile as CHIFURI has now. Each dot stands for 3 companies, two years later.
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CHIFURI itself: 5.5% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,133 companies, not a prediction for CHIFURI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.49 (1.71 in 2023), below the usual 1.5. Short-term debt is 64.8% and cash 13.4% of total assets. 73.4% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 5 accounts on average 131 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Shares in 2 companies, YU.EAT Netherlands B.V and YU.EAT SPAIN S.L.
Board & ownership| Company | ||||
|---|---|---|---|---|
| CHIFURI Enghien | €1.6m | €81,690 | 26.6% | 4.4 |
| DE BOECK FOODS SNACKING Châtelet | €0.9m | €74,865 | -24.1% | 5.8 |
| HELLO DRINK Pecq | €0.9m | €407,245 | 53.9% | 3.4 |
| BHADAR INTERNATIONAL BUSINESS Brussels | €1.9m | €148,988 | 6.2% | 4.3 |
| Beggie Kruisem | €0.6m | €54,123 | -33.6% | 4 |
| MV GC Uccle | €1.2m | €186,653 | 3.0% | 2.8 |
| Juco-Invest Ardooie | €1.7m | €157,707 | 30.6% | 1.7 |
These companies have the same main activity as CHIFURI: agents in the wholesale of food, beverages and tobacco (NACE 46170). They are comparable in size and age: total assets between €583,000 and €1.9m, founded between 2012 and 2023.
CHIFURI has existed since 2019. The gross margin grew from €60,471 in 2020 to €81,690 in 2024 and staff from 2.6 to 4.4 full-time equivalents.
Solvency fell in 2024 from 33.6% to 26.6% because of the loss.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
See how customers, suppliers and banks see your own company and what to improve first.
If something looks wrong or is missing, please tell us.