ChipMonk
ActiveSummary
ChipMonk has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €87k. Equity is growing by ~60.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 6.68 against 5.07 in 2024; short-term debt: 15% and cash: 86.2% of total assets), and 15% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85%
Return on assets
30.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-03-2026, 151 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
151 d early
2024
55 d early
2023
30 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€242k▲ 55.9%
2024 · €155k
2023: €55k
2024: €155k
2023 → 2025
Total assets
€284k▲ 47.2%
2024 · €193k
2023: €78k
2024: €193k
2023 → 2025
Net result
€87k▼ 13.7%
2024 · €100k
2023: €54k
2024: €100k
2023 → 2025
Working capital
€242k▲ 55.9%
2024 · €155k
2023: €55k
2024: €155k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€55k-€155k▲ 184%€242k▲ 55.9%
Operating result€69k-€129k▲ 87.6%€111k▼ 14.1%
Net result€54k-€100k▲ 84.3%€87k▼ 13.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €284k
Equity
€242k ▲ 55.9%
Debt
€43k ▲ 11.7%
Debt's share of the balance-sheet total falls from 19.7% to 15.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
6.68▲
2024 · 5.07
Debt to equity
0.18▼
2024 · 0.25
ROE
35.9%▼
2024 · 64.8%
ROA
30.5%▼
2024 · 52.0%
Debt ≤ 1 year
€43k▲
2024 · €38k
Income taxes
€24k▼
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 29 lines
Balance sheet
Code20242025
Assets
Total assets20/58€193k€284k▲
Current assets29/58€193k€284k▲
Amounts receivable within one year40/41€17k€35k▲
Trade receivables40€17k€35k▲
Other amounts receivable41-€53
Cash at bank and in hand54/58€173k€245k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€193k€284k▲
Equity10/15€155k€242k▲
Contributions10/11€100€100=
Reserves13€155k€241k▲
Distributable reserves133€155k€241k▲
Amounts payable17/49€38k€43k▲
Amounts payable within one year42/48€38k€43k▲
Taxes, remuneration and social security45€37k€41k▲
Taxes450/3€37k€41k▲
Other amounts payable47/48€742€2k▲
Income statement
Code20242025
Other operating charges640/8€268€324▲
Gross operating margin9900€129k€111k▼
Operating profit (loss)9901€129k€111k▼
Financial charges65/66B€50€170▲
Recurring financial charges65€50€170▲
Profit (loss) for the period before taxes9903€129k€110k▼
Income taxes67/77€28k€24k▼
Profit (loss) for the period9904€100k€87k▼
Profit (loss) for the period to be appropriated9905€100k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€87k▼
Transfer to equity691/2€100k€87k▼
To other reserves6921€100k€87k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €242k ▲55.9%
3 profitable years in a row build equity to €242k.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €100k ▲84.3%
Operating result €129k, net result €100k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲184%
2 profitable years in a row build equity to €155k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2023
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.
Peterburgstraat 33020 HerentGround area
951 m²
Building footprint
245 m²
Volume, LiDAR
1,297 m³
2 parcels, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ChipMonk
since 20232.347.792.948
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111B0026/00H000 | Flanders | 736 m² | 1 · 136 m² | 8.2 m · 2 fl. |
| 24111B0044/00G002 | Flanders | 215 m² | 1 · 109 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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WINT - IMMO
BE 0861.806.495
Pelt · Eq €241,306
J.W. van den Boogert
BE 0801.213.070
Ravels · Eq €241,896
JPR ENERGIE
BE 0735.999.871
Huy · Eq €241,920
DECRAENE THOMAS
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Kortrijk · Eq €242,067
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 5,021 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.