CHIODO
ActiveSummary
The computed 12-month bankruptcy probability of CHIODO is 1.7% (moderate). The 2025 annual accounts show negative equity (-€122,965) and a net result of -€37,503. Equity is shrinking by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 18973 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Retail sale of meat and meat products, excluding game and poultry
NACE 47221
1 site
How big
€13,981total assets 2025
- Staff
- 0.5 FTE
- Equity
- -€122,965
- Loss
- -€37,503
Turnover not published (abridged schema)
Who decides
Accounts filed 54 d late0 of 3 deeds read
Why 21- Annual accounts: weaker financial profile- Higher-failure-rate sector- Negative equity+ Long track recordFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.17 in 2024; short-term debt: 942.9% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-879.5%
Return on assets
-268.2%
Age of the figures
9 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€122,965
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
54 d late
2024
76 d late
2023
260 d late
2022
59 d early
2021
24 d late
2020
184 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 81 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 23 September (4 of the last 5 filed years within 113 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €13,981Loss -€37,503Solvency -879.5%Liquidity 0.10
Total assets
€13,981▼ 13.7%
2018 - 2025
Net result
-€37,503▼ 150%
2018 - 2025
Equity
-€122,965▼ 43.9%
2018 - 2025
Staff (FTE)
0.5▼ 50.0%
2018 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,422€4,032▼ 61.3%-€6,266-€7,829▼ 25.0%-€30,758▼ 293%
Net result€7,599within the sector's middle half€413within the sector's middle half▼ 94.6%-€10,696below the sector's middle half-€14,997below the sector's middle half▼ 40.2%-€37,503below the sector's middle half▼ 150%
Equity-€60,181below the sector's middle half▲ 11.2%-€59,768below the sector's middle half▲ 0.7%-€70,464below the sector's middle half▼ 17.9%-€85,462below the sector's middle half▼ 21.3%-€122,965below the sector's middle half▼ 43.9%
Total assets€23,361below the sector's middle half▼ 20.6%€19,810below the sector's middle half▼ 15.2%€19,738below the sector's middle half▼ 0.4%€16,196below the sector's middle half▼ 17.9%€13,981below the sector's middle half▼ 13.7%
Debt€83,542▼ 14.1%€79,578▼ 4.7%€90,202▲ 13.4%€101,657▲ 12.7%€136,946▲ 34.7%
Working capital-€64,816below the sector's middle half▲ 14.0%-€63,106below the sector's middle half▲ 2.6%-€52,432below the sector's middle half▲ 16.9%-€73,383below the sector's middle half▼ 40.0%-€118,510below the sector's middle half▼ 61.5%
Solvency-257.6%below the sector's middle half▼ 27.2pp-301.7%below the sector's middle half▼ 44.1pp-357.0%below the sector's middle half▼ 55.3pp-527.7%below the sector's middle half▼ 170.7pp-879.5%below the sector's middle half▼ 351.8pp
Current ratio0.21below the sector's middle half▲ 0.010.21below the sector's middle half=0.25below the sector's middle half▲ 0.040.17below the sector's middle half▼ 0.080.10below the sector's middle half▼ 0.07
Return on assets (ROA)32.5%above the sector's middle half▲ 144.6pp2.1%within the sector's middle half▼ 30.4pp-54.2%below the sector's middle half▼ 56.3pp-92.6%below the sector's middle half▼ 38.4pp-268.2%below the sector's middle half▼ 175.6pp
Staff (FTE)11=0.5▼ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30,758 in 2025 against €7,829 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13,981
Fixed assets
€656 ▼ 45.0%
Current assets
€13,325 ▼ 11.2%
Equity and liabilities
Equity-€122,965
Debt€136,946
Equity is negative: debt (€136,946) exceeds the balance-sheet total (€13,981).
Key figures and ratios
Key figures and ratios
EBITDA
-€30,222▼
2024 · -€6,327
Cash flow
-€36,967▼
2024 · -€13,495
Interest coverage
-4.62▼
2024 · -0.91
Debt ≤ 1 year
€131,835▲
2024 · €88,386
Debt > 1 year
€5,111▼
2024 · €13,271
Income taxes
€198▲
2024 · €190
Staff costs
€20,531▲
2024 · €15,737
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% 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 497,341 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% | 1.0% |
| 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% 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 6,906 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €12,815 | €15,067 | €14,139 | €15,737 | €20,531 | ▲ 30.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,840 | €2,956 | €1,293 | €1,502 | €537 | ▼ 64.3% |
| Other operating charges640/8 | €2,449 | €1,669 | €2,650 | €3,763 | €323 | ▼ 91.4% |
| Gross operating margin9900 | €30,526 | €23,724 | €11,816 | €13,173 | -€9,368 | ▼ 171% |
| Operating profit (loss)9901 | €10,422 | €4,032 | -€6,266 | -€7,829 | -€30,758 | ▼ 293% |
| Financial income75/76B | €18 | €1 | €45 | - | €1 | - |
| Recurring financial income75 | €18 | €1 | €45 | - | €1 | - |
| Financial charges65/66B | €2,719 | €3,489 | €4,332 | €6,978 | €6,548 | ▼ 6.2% |
| Recurring financial charges65 | €2,719 | €3,489 | €4,332 | €6,978 | €6,548 | ▼ 6.2% |
| Profit (loss) for the period before taxes9903 | €7,720 | €545 | -€10,553 | -€14,807 | -€37,306 | ▼ 152% |
| Income taxes67/77 | €122 | €131 | €143 | €190 | €198 | ▲ 4.1% |
| Profit (loss) for the period9904 | €7,599 | €413 | -€10,696 | -€14,997 | -€37,503 | ▼ 150% |
| Profit (loss) for the period to be appropriated9905 | €7,599 | €413 | -€10,696 | -€14,997 | -€37,503 | ▼ 150% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23,361 | €19,810 | €19,738 | €16,196 | €13,981 | ▼ 13.7% |
| Fixed assets21/28 | €6,293 | €3,337 | €2,695 | €1,193 | €656 | ▼ 45.0% |
| Tangible fixed assets22/27 | €6,293 | €3,337 | €2,695 | €1,193 | €656 | ▼ 45.0% |
| Plant, machinery and equipment23 | - | - | €561 | €344 | €127 | ▼ 63.0% |
| Leasing and similar rights25 | €1,370 | €0 | - | - | - | - |
| Other tangible fixed assets26 | €4,923 | €3,337 | €2,134 | €849 | €529 | ▼ 37.7% |
| Current assets29/58 | €17,068 | €16,473 | €17,043 | €15,003 | €13,325 | ▼ 11.2% |
| Stocks and contracts in progress3 | €2,621 | €3,471 | €218 | €2,600 | - | - |
| Stocks30/36 | €2,621 | €3,471 | €218 | €2,600 | - | - |
| Amounts receivable within one year40/41 | €8,481 | €8,684 | €15,638 | €12,321 | €13,325 | ▲ 8.1% |
| Trade receivables40 | €6,151 | €8,127 | €12,776 | €12,300 | €12,878 | ▲ 4.7% |
| Other amounts receivable41 | €2,330 | €556 | €2,862 | €21 | €447 | ▲ 2,002% |
| Cash at bank and in hand54/58 | €3,950 | €1,680 | €0 | - | - | - |
| Deferred charges and accrued income490/1 | €2,017 | €2,638 | €1,187 | €81 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23,361 | €19,810 | €19,738 | €16,196 | €13,981 | ▼ 13.7% |
| Equity10/15 | -€60,181 | -€59,768 | -€70,464 | -€85,462 | -€122,965 | ▼ 43.9% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €11,881 | €11,881 | €11,881 | €11,881 | €11,881 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €10,021 | €10,021 | €10,021 | €10,021 | €10,021 | = |
| Profit (loss) carried forward14 | -€78,263 | -€77,850 | -€88,546 | -€103,543 | -€141,046 | ▼ 36.2% |
| Amounts payable17/49 | €83,542 | €79,578 | €90,202 | €101,657 | €136,946 | ▲ 34.7% |
| Amounts payable after more than one year17 | €1,659 | €0 | €20,727 | €13,271 | €5,111 | ▼ 61.5% |
| Financial debts170/4 | €1,659 | €0 | €20,727 | €13,271 | €5,111 | ▼ 61.5% |
| Amounts payable within one year42/48 | €81,883 | €79,578 | €69,475 | €88,386 | €131,835 | ▲ 49.2% |
| Current portion of amounts payable after more than one year42 | €1,679 | €1,659 | €6,812 | €7,455 | €8,160 | ▲ 9.4% |
| Financial debts43 | €18,456 | €17,591 | €7,279 | €21,699 | €25,642 | ▲ 18.2% |
| Credit institutions430/8 | €18,456 | €17,591 | €7,279 | €21,699 | €25,642 | ▲ 18.2% |
| Trade debts44 | €13,192 | €11,356 | €14,967 | €18,982 | €19,789 | ▲ 4.3% |
| Suppliers440/4 | €13,192 | €11,356 | €14,967 | €18,982 | €19,789 | ▲ 4.3% |
| Taxes, remuneration and social security45 | €4,550 | €4,878 | €4,401 | €6,909 | €12,717 | ▲ 84.1% |
| Taxes450/3 | €506 | €282 | €1,007 | €1,041 | €2,397 | ▲ 130% |
| Remuneration and social security454/9 | €4,044 | €4,596 | €3,394 | €5,867 | €10,320 | ▲ 75.9% |
| Other amounts payable47/48 | €44,005 | €44,094 | €36,016 | €33,340 | €65,528 | ▲ 96.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,599 | €413 | -€10,696 | -€14,997 | -€37,503 | ▼ 150% |
| + Depreciation and write-downs630 | €4,840 | €2,956 | €1,293 | €1,502 | €537 | ▼ 64.3% |
| Operating cash flow (approximation) | €12,439 | €3,369 | -€9,403 | -€13,495 | -€36,967 | ▼ 174% |
| Investment in fixed assets (approximation) | - | €0 | -€651 | €0 | €0 | - |
| Change in cash | - | -€2,269 | -€1,680 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,042 companies in this sector we hold annual accounts for 1,568. See the whole sector
Timeline
12 eventsLatest 23-09-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 260 days late
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 184 days late
2021
31-12
Financial
Back to profitnet €7,599
Net result €7,599 after 2 loss-making years.
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet -€52,900
Net result drops to -€52,900, the lowest in the series; recovery starts the following year.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 225 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 funding sourceFlanders €2,0001 register with a recognitionFASFC 1 site
Flemish government
€2,000
awarded · 2024
FASFC
1
authorised site
Subsidies and aid
Flemish government
2024 · 1 entry · €2,000 awarded · €2,000 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | €2,000 | €2,000 |
Schemes
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilbeekunit no. 2.238.464.248
Company details
Private limited company (pre-2019) · founded 08-10-2014Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded08-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
47210Retail sale of fruit and vegetables
E-invoicing
Reachable via Peppol
Peppol ID
0208:0563777460
Also
9925:BE0563777460
Registered
26-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Dilbeek · 1 establishment unit since 2014
Ground area
752 m²
Building footprint
99 m²
Volume, LiDAR
806 m³
Parcel 23016D0215/00T005, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Baron R. de Vironlaan 124, 1700 Dilbeek
since 2014unit no. 2.238.464.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0215/00T005 | Flanders | 751 m² | 1 · 99 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
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