Chipdesk
ActiveSummary
Chipdesk has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€67,954) and a net result of -€9,821. Equity is shrinking by ~49.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 9559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.13 against 0.27 in 2024; short-term debt: 540.3% and cash: 4.1% of total assets), and equity is negative.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-442.9%
Return on assets
-64%
Age of the figures
9 mo
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 -€67,954
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 9 filingsDeviation from the deadline
2025
14 d late
2024
16 d early
2023
20 d late
2022
56 d late
2021
72 d late
2020
54 d early
2019
80 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 25 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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 21 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€67,954▼ 16.9%
2024 · -€58,133
Total assets
€15,342▼ 38.1%
2024 · €24,765
Net result
-€9,821▲ 48.9%
2024 · -€19,207
Working capital
-€71,710▼ 17.8%
2024 · -€60,855
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,586▲ 42.5%-€19,350▼ 155%-€9,828▲ 49.2%-€18,837▼ 91.7%-€9,680▲ 48.6%
Net result-€7,779below the sector's middle half▲ 41.4%-€19,703below the sector's middle half▼ 153%-€9,969below the sector's middle half▲ 49.4%-€19,207below the sector's middle half▼ 92.7%-€9,821below the sector's middle half▲ 48.9%
Equity-€9,254below the sector's middle half▼ 527%-€28,957below the sector's middle half▼ 213%-€38,926below the sector's middle half▼ 34.4%-€58,133below the sector's middle half▼ 49.3%-€67,954below the sector's middle half▼ 16.9%
Total assets€28,125below the sector's middle half▼ 18.1%€40,146below the sector's middle half▲ 42.7%€24,511below the sector's middle half▼ 38.9%€24,765below the sector's middle half▲ 1.0%€15,342below the sector's middle half▼ 38.1%
Debt€37,379▲ 4.4%€69,103▲ 84.9%€63,437▼ 8.2%€82,898▲ 30.7%€83,295▲ 0.5%
Working capital-€22,129below the sector's middle half▼ 25.9%-€37,291below the sector's middle half▼ 68.5%-€43,498below the sector's middle half▼ 16.6%-€60,855below the sector's middle half▼ 39.9%-€71,710below the sector's middle half▼ 17.8%
Solvency-32.9%below the sector's middle half▼ 28.6pp-72.1%below the sector's middle half▼ 39.2pp-158.8%below the sector's middle half▼ 86.7pp-234.7%below the sector's middle half▼ 75.9pp-442.9%below the sector's middle half▼ 208.2pp
Current ratio0.40below the sector's middle half▼ 0.100.45below the sector's middle half▲ 0.050.30below the sector's middle half▼ 0.150.27below the sector's middle half▼ 0.040.13below the sector's middle half▼ 0.13
Return on assets (ROA)-27.7%below the sector's middle half▲ 11.0pp-49.1%below the sector's middle half▼ 21.4pp-40.7%below the sector's middle half▲ 8.4pp-77.6%below the sector's middle half▼ 36.9pp-64.0%below the sector's middle half▲ 13.5pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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 per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9,680 in 2025 against €18,837 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15,342
Fixed assets
€4,156 ▲ 52.7%
Current assets
€11,185 ▼ 49.3%
Key figures and ratios
EBITDA
-€7,612▲
2024 · -€15,908
Cash flow
-€7,753▲
2024 · -€16,278
Debt to equity
-1.23▲
2024 · -1.43
Interest coverage
-90.13▼
2024 · -69.00
Debt ≤ 1 year
€82,896=
2024 · €82,898
Income taxes
€56▼
2024 · €140
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 6,010 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,458 | €6,615 | €3,379 | €2,929 | €2,068 | ▼ 29.4% |
| Other operating charges640/8 | €594 | €605 | €661 | €677 | €697 | ▲ 3.0% |
| Gross operating margin9900 | €1,466 | -€12,130 | -€5,789 | -€15,231 | -€6,916 | ▲ 54.6% |
| Operating profit (loss)9901 | -€7,586 | -€19,350 | -€9,828 | -€18,837 | -€9,680 | ▲ 48.6% |
| Financial income75/76B | - | €8 | - | - | - | - |
| Recurring financial income75 | - | €8 | - | - | - | - |
| Financial charges65/66B | €76 | €241 | €10 | €231 | €84 | ▼ 63.4% |
| Recurring financial charges65 | €76 | €241 | €10 | €231 | €84 | ▼ 63.4% |
| Profit (loss) for the period before taxes9903 | -€7,662 | -€19,583 | -€9,838 | -€19,067 | -€9,765 | ▲ 48.8% |
| Income taxes67/77 | €117 | €120 | €132 | €140 | €56 | ▼ 59.8% |
| Profit (loss) for the period9904 | -€7,779 | -€19,703 | -€9,969 | -€19,207 | -€9,821 | ▲ 48.9% |
| Profit (loss) for the period to be appropriated9905 | -€7,779 | -€19,703 | -€9,969 | -€19,207 | -€9,821 | ▲ 48.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,125 | €40,146 | €24,511 | €24,765 | €15,342 | ▼ 38.1% |
| Fixed assets21/28 | €13,222 | €9,029 | €5,651 | €2,722 | €4,156 | ▲ 52.7% |
| Tangible fixed assets22/27 | €13,222 | €9,029 | €5,651 | €2,722 | €4,156 | ▲ 52.7% |
| Plant, machinery and equipment23 | €4,051 | €929 | €454 | €195 | €3,169 | ▲ 1,528% |
| Furniture and vehicles24 | €6,085 | €5,584 | €3,250 | €1,150 | €181 | ▼ 84.3% |
| Other tangible fixed assets26 | €3,086 | €2,516 | €1,947 | €1,377 | €807 | ▼ 41.4% |
| Current assets29/58 | €14,903 | €31,116 | €18,860 | €22,043 | €11,185 | ▼ 49.3% |
| Amounts receivable within one year40/41 | €14,123 | €30,618 | €16,604 | €18,930 | €10,007 | ▼ 47.1% |
| Trade receivables40 | €14,123 | €30,487 | €15,493 | €18,424 | €9,585 | ▼ 48.0% |
| Other amounts receivable41 | - | €131 | €1,112 | €506 | €422 | ▼ 16.7% |
| Cash at bank and in hand54/58 | €284 | €24 | €1,757 | €2,594 | €632 | ▼ 75.6% |
| Deferred charges and accrued income490/1 | €496 | €474 | €499 | €520 | €546 | ▲ 5.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,125 | €40,146 | €24,511 | €24,765 | €15,342 | ▼ 38.1% |
| Equity10/15 | -€9,254 | -€28,957 | -€38,926 | -€58,133 | -€67,954 | ▼ 16.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €13,633 | €13,633 | €13,633 | €13,633 | €13,633 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | €11,773 | €11,773 | €11,773 | €13,633 | €13,633 | = |
| Profit (loss) carried forward14 | -€35,287 | -€54,990 | -€64,959 | -€84,166 | -€93,987 | ▼ 11.7% |
| Amounts payable17/49 | €37,379 | €69,103 | €63,437 | €82,898 | €83,295 | ▲ 0.5% |
| Amounts payable within one year42/48 | €37,031 | €68,408 | €62,357 | €82,898 | €82,896 | = |
| Trade debts44 | €877 | €8,298 | €1,284 | €3,608 | €701 | ▼ 80.6% |
| Suppliers440/4 | €877 | €8,298 | €1,284 | €3,608 | €701 | ▼ 80.6% |
| Taxes, remuneration and social security45 | €629 | €397 | €251 | €271 | €143 | ▼ 47.1% |
| Taxes450/3 | €629 | €397 | €251 | €271 | €143 | ▼ 47.1% |
| Other amounts payable47/48 | €35,526 | €59,712 | €60,823 | €79,019 | €82,051 | ▲ 3.8% |
| Accrued charges and deferred income492/3 | €348 | €695 | €1,079 | - | €400 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,779 | -€19,703 | -€9,969 | -€19,207 | -€9,821 | ▲ 48.9% |
| + Depreciation and write-downs630 | €8,458 | €6,615 | €3,379 | €2,929 | €2,068 | ▼ 29.4% |
| Operating cash flow (approximation) | €679 | -€13,088 | -€6,591 | -€16,278 | -€7,753 | ▲ 52.4% |
| Investment in fixed assets (approximation) | - | -€2,422 | €0 | €0 | -€3,502 | - |
| Change in cash | - | -€260 | €1,733 | €836 | -€1,961 | ▼ 334% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Weakest financial yearnet -€19,703
Net result drops to -€19,703, the lowest in the series; recovery starts the following year.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 33 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 acts for this company are 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, Holsbeek · 1 establishment unit since 2017
Ground area
1,264 m²
Building footprint
233 m²
Volume, LiDAR
1,232 m³
Parcel 24043B0226/00C000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CHIPDESK
since 20172.265.796.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043B0226/00C000 | Flanders | 1,264 m² | 1 · 233 m² | 7.8 m · 2 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.
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Of 11,573 companies in sector 71121 we hold annual accounts for 6,570. 3,205 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0677761665
Also
9925:BE0677761665
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.