CHINTAMANI
ActiveCHINTAMANI has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10.18M and a net result of €456k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 6010 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
96
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability20▲+2
Solvency98=
Growth66▼-6
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1M at 30 days acceptable
Liquidity ample (current ratio 3.1 against 3.53 in 2023), and 43.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
56.8%
Return on assets
2.5%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
35 d early
2022
35 d early
2021
38 d early
2020
37 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€48.43M▼ 23.5%
2023 · €63.28M
2018: €41.88M
2019: €50.75M
2020: €34.53M
2021: €62.08M
2022: €83.58M
2023: €63.28M
2018 → 2024
EBIT margin
1.7%▲ 0.3pp
2023 · 1.3%
2018: 1.7%
2019: 1.6%
2020: 1.5%
2021: 1.7%
2022: 3.3%
2023: 1.3%
2018 → 2024
Net result
€456k▲ 27.8%
2023 · €357k
2018: €202k
2019: €212k
2020: €204k
2021: €702k
2022: €2.33M
2023: €357k
2018 → 2024
Working capital
€12.12M▲ 5.0%
2023 · €11.54M
2018: €9.75M
2019: €11.30M
2020: €11.08M
2021: €12.19M
2022: €11.29M
2023: €11.54M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€34.53M-€62.08M▲ 79.8%€83.58M▲ 34.6%€63.28M▼ 24.3%€48.43M▼ 23.5%
Equity€6.34M-€7.04M▲ 11.1%€9.37M▲ 33.1%€9.73M▲ 3.8%€10.18M▲ 4.7%
Operating result€517k-€1.03M▲ 99.5%€2.80M▲ 171%€845k▼ 69.8%€813k▼ 3.8%
Net result€204k-€702k▲ 244%€2.33M▲ 231%€357k▼ 84.7%€456k▲ 27.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €17.92M
Fixed assets
€36k▼ 17.7%
Current assets
€17.88M▲ 11.0%
Equity and liabilities €17.92M
Equity
€10.18M▲ 4.7%
Debt
€7.73M▲ 20.4%
The debt ratio rises from 39.8% to 43.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€825k▼
2023 · €864k
Cash flow
€469k▲
2023 · €376k
Solvency
56.8%▼
2023 · 60.2%
Current ratio
3.10▼
2023 · 3.53
Quick ratio
2.44▲
2023 · 2.34
Debt / equity
0.76▲
2023 · 0.66
ROE
4.5%▲
2023 · 3.7%
ROA
2.5%▲
2023 · 2.2%
Interest coverage
5.57▲
2023 · 3.53
Debt
€7.73M▲
2023 · €6.42M
Debt ≤ 1 year
€5.76M▲
2023 · €4.57M
Debt > 1 year
€1.97M▲
2023 · €1.85M
Income taxes
€89k▼
2023 · €121k
Staff costs
€420k▼
2023 · €428k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€16.15M€17.92M▲
Fixed assets21/28€44k€36k▼
Tangible fixed assets22/27€32k€24k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€23k€17k▼
Financial fixed assets28€12k€12k▲
Other financial fixed assets284/8€12k€12k▲
Amounts receivable and cash guarantees285/8€12k€12k▲
Current assets29/58€16.11M€17.88M▲
Stocks and contracts in progress3€5.43M€3.84M▼
Stocks30/36€5.43M€3.84M▼
Goods purchased for resale34€5.43M€3.84M▼
Amounts receivable within one year40/41€10.56M€13.30M▲
Trade receivables40€10.56M€13.29M▲
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€86k€709k▲
Deferred charges and accrued income490/1€28k€28k▼
Equity and liabilities
Total equity and liabilities10/49€16.15M€17.92M▲
Equity10/15€9.73M€10.18M▲
Contributions10/11€5.01M€5.01M=
Reserves13€4.71M€5.17M▲
Distributable reserves133€4.71M€5.17M▲
Amounts payable17/49€6.42M€7.73M▲
Amounts payable after more than one year17€1.85M€1.97M▲
Financial debts170/4€1.85M€1.97M▲
Subordinated loans170-€1.97M
Other loans174€1.85M-
Amounts payable within one year42/48€4.57M€5.76M▲
Financial debts43€2.00M€1.64M▼
Credit institutions430/8€2.00M€1.64M▼
Trade debts44€2.27M€3.82M▲
Suppliers440/4€2.27M€3.82M▲
Taxes, remuneration and social security45€197k€231k▲
Taxes450/3€134k€181k▲
Remuneration and social security454/9€63k€50k▼
Other amounts payable47/48€103k€75k▼
Accrued charges and deferred income492/3€9k€7k▼
Income statement
Code20232024
Operating income70/76A€63.29M€48.45M▼
Turnover70€63.28M€48.43M▼
Other operating income74€14k€19k▲
Operating charges60/66A€62.45M€47.64M▼
Goods for resale, raw materials and consumables60€61.44M€46.72M▼
Purchases600/8€60.65M€45.13M▼
Change in stocks: decrease (increase)609€787k€1.59M▲
Services and other goods61€558k€475k▼
Remuneration, social security and pensions62€428k€420k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-7k
Other operating charges640/8€7k€12k▲
Non-recurring operating charges66A€828-
Operating profit (loss)9901€845k€813k▼
Financial income75/76B€610€61▼
Recurring financial income75€610€61▼
Other financial income752/9€610€61▼
Financial charges65/66B€368k€268k▼
Recurring financial charges65€368k€268k▼
Debt charges650€245k€148k▼
Other financial charges652/9€123k€119k▼
Profit (loss) for the period before taxes9903€478k€545k▲
Income taxes67/77€121k€89k▼
Taxes670/3€121k€89k▼
Tax adjustments and reversals of tax provisions77€2-
Profit (loss) for the period9904€357k€456k▲
Profit (loss) for the period to be appropriated9905€357k€456k▲
Appropriation of the result
Profit (loss) to be appropriated9906€357k€456k▲
Transfer to equity691/2€357k€456k▲
To other reserves6921€357k€456k▲
Social balance
Average headcount (FTE)90878.78.4▼
The notes to these accounts (45 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-08
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor appointment2 facts ▸
- General meeting, 22/06/2026
- Auditor appointment, Figurad Bedrijfsrevisoren (commissaris)
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €10MEq €10.18M ▲4.7%
7 profitable years in a row build equity to €10.18M.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €2.33M ▲231%
Operating result €2.80M, net result €2.33M, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2005
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.
Schupstraat 9-112018 AntwerpenGround area
3,380 m²
Building footprint
2,872 m²
Volume, LiDAR
47,320 m³
Parcel 11808H1176/00Y017, Flanders · tallest building 44.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CHINTAMANI BVBA
since 20052.147.106.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1176/00Y017 | Flanders | 3,380 m² | 1 · 2,872 m² | 44.2 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.
Statutory auditor
1 auditor| Figurad BedrijfsrevisorenCurrent Statutory auditor | 14-08-2026 → present |
Similar companies · same sector, comparable size
TOV DIAMONDS
BE 0729.897.878
Antwerpen · Eq €10.22M
UNIGLO
BE 0473.753.542
Antwerpen · Eq €9.99M
BRILLIANT GEMS
BE 0421.690.771
Antwerpen · Eq €10.63M
PINKUSEWITZ DIAMOND TRADERS
BE 0884.129.858
Antwerpen · Eq €10.76M
BLUE GEMS
BE 0452.299.419
Antwerpen · Eq €10.79M
Of 1,226 companies in sector 46861 we hold annual accounts for 675. 278 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2005
Fiscal year end31-12
Activities, NACEBEL
46861Wholesale of diamonds and other precious stones
51561
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.