Equity
€241,513 ▲ 55.9%
Equity rose in 2025 from €154,890 to €241,513.
ChipMonk
Overview
Lifetime
3 annual accounts with figures on one time axispeak €128,912 (2024)
€110,883▼ 14.0%
peak €100,342 (2024)
€86,623▼ 13.7%
peak €241,513 (2025)
€241,513▲ 55.9%
€42,500▲ 11.7%
Board1 name since 2023
1 directorDERUYTERE Peter Alexander
Documentsfilings and deeds
02-03-2026151 days before the deadline
2025micro format
Gross margin from €128,912 to €110,883Equity from €154,890 to €241,513Cash from €172,573 to €244,834
Key points
from the 2025 annual accountsTurnover
≈ €220,000 estimated
The micro format states no turnover.
Position in the sector
€86,623
Higher net result than 90% of companies in architecture and engineering. Sector median €16,709 · 11,795 companies.
Checked score
98
Excellent
Financially stronger than 87% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,830 companies (NACE 71, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Liquidity: current ratio 6.68, cash €244,834
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Equity €241,513 (85.0% of total assets)
Calculation
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 71, micro). It does better than 87% of them on solvency, 91% on liquidity, 88% on profitability and 83% on growth.
The bankruptcy probability was computed on 07-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as ChipMonk has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of ChipMonk itself is lower: < 0.1% within 12 months. It rests on far more data about ChipMonk than the profile alone.
Test of the method
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 39,278 companies, not a prediction for ChipMonk. 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.
Credit verdict
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.68 (5.07 in 2024), above the usual 1.5. Short-term debt is 15% and cash 86.2% of total assets. 15% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
55 days early
2023
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 79 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 June (3 of the last 3 accounts filed within 96 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0804273916
Incorporation
Founding capital of €100, 100 shares · Founder: DERUYTERE Peter Alexander · Appointment: DERUYTERE Peter Alexander (director) · published on 27-07-2023 · Gazette deed
First establishment
Peterburgstraat 3C, Herent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ChipMonk Herent | €284,014 | €110,883 | 85.0% | - |
| Lightbold Zaventem | €292,542 | €102,386 | 87.9% | - |
| B.I.L.D. Consulting Diest | €290,518 | €109,068 | 73.2% | - |
| PB Consultancy - Soil Solutions Pajottegem | €256,144 | €97,120 | 81.9% | - |
| IPEMS Leuven | €287,968 | €104,873 | 79.7% | - |
| Ovation SAF Saint-Nicolas | €283,825 | €115,667 | 75.0% | - |
| ARISTOR Lede | €280,501 | €119,143 | 85.9% | - |
These companies have the same main activity as ChipMonk: engineering and related technical consultancy, excluding land surveyors (NACE 71121). They are comparable in size and age: total assets between €256,000 and €293,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 25-07-2023Normal situation
- Activity
- Engineering and related technical consultancy, excluding land surveyorsNACE 71121
- Establishment unit
- 2.347.792.9483020 Herent, since 25-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 07-12-2025
Annual accounts 2025
- €110,883▼ 14.0%
- €86,623▼ 13.7%
- €241,513▲ 55.9%
- €284,014▲ 47.2%
- Filing
- Filed on 02-03-2026, 151 days before the end of the filing period
Insights on ChipMonk
ChipMonk files the micro format. That format states no turnover. The gross margin rose from €69,091 in 2023 to €110,883 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-03-2026, 151 days before the deadline€110,883
▼ 14.0%
€110,558
▼ 14.1%
€86,623
▼ 13.7%
€241,513
▲ 55.9%
85.0%
▲ 4.8 percentage points
6.68
▲ 1.61
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €220,000. Estimated: probably between €170,000 and €290,000.
Balance sheet
balance sheet total €284,014 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
85.0%
Higher than 85% of 11,794 companies in 2025.
6.68
Higher than 86% of 11,521 companies in 2025.
30.5%
Higher than 78% of 11,605 companies in 2025.
ChipMonk
Middle half of the sector
80% of the sector
Micro accounts in architecture and engineering (NACE 71)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
284,014 | 192,943 | 77,745 | |
29/58 |
284,014 | 192,943 | 77,745 | |
40/41 |
35,385 | 16,632 | 14,133 | |
40 |
35,332 | 16,632 | 14,133 | |
41 |
53 | - | - | |
54/58 |
244,834 | 172,573 | 63,102 | |
490/1 |
3,794 | 3,738 | 510 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
284,014 | 192,943 | 77,745 | |
10/15 |
241,513 | 154,890 | 54,548 | |
10/11 |
100 | 100 | 100 | |
13 |
241,413 | 154,790 | 54,448 | |
133 |
241,413 | 154,790 | 54,448 | |
17/49 |
42,500 | 38,052 | 23,197 | |
42/48 |
42,500 | 38,052 | 23,197 | |
45 |
40,530 | 37,311 | 22,907 | |
450/3 |
40,530 | 37,311 | 22,907 | |
47/48 |
1,970 | 742 | 290 | |
| Income statement | ||||
9900 |
110,883 | 128,912 | 69,091 | |
640/8 |
324 | 268 | 522 | |
9901 |
110,558 | 128,644 | 68,569 | |
65/66B |
170 | 50 | 10 | |
65 |
170 | 50 | 10 | |
9903 |
110,388 | 128,594 | 68,559 | |
67/77 |
23,765 | 28,252 | 14,111 | |
9904 |
86,623 | 100,342 | 54,448 | |
9905 |
86,623 | 100,342 | 54,448 | |
| Appropriation of the result | ||||
9906 |
86,623 | 100,342 | 54,448 | |
691/2 |
86,623 | 100,342 | 54,448 | |
6921 |
86,623 | 100,342 | 54,448 | |
| Document | ||||
The notes to these accounts have 1 item. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 02-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 72,262 | 109,470 | - | ||
| 241,513 | 154,890 | 54,548 | ||
| 85.0% | 80.3% | 70.2% | ||
| 6.68 | 5.07 | 3.35 | ||
| 0.18 | 0.25 | 0.43 | ||
| 35.9% | 64.8% | 99.8% | ||
| 30.5% | 52.0% | 70.0% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on ChipMonk
The operating result for 2025 is 14% lower than in 2024.
Debt's share of the balance-sheet total falls from 19.7% to 15.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 27-07-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 02-03-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 27-07-2023
Mandates through the years
1 name, the dashed line is todayDERUYTERE Peter Alexander
Director
Director
Board
Mandates as a list
- DERUYTERE Peter Alexander
- Director, appointed by deed of 27-07-2023, still in office
Control
Capital
- Contribution
- €100
- Shares
- 100
- Contribution per share
- €1
- Equity per share
- €2,415 in 2025
- Source
- deed of 27-07-2023
Articles of association
deed of 27-07-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft ten laste overdrager en helft ten laste koper(s) naar evenredigheid aantal aandelen, elke overdracht onder levenden ten bezwarende of…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 20:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Artikel 24, recht algemene vergadering een of meerdere vereffenaars aan te duiden,bevoegdheden te omlijnen en vergoeding te bepalen”
Shareholders
At incorporation
deed of 27-07-2023 ↗
- DERUYTERE Peter Alexander 100 shares (100%) · €100 in cash
Network & group
No group
ChipMonk has no parent and no holdings in its annual accounts. DERUYTERE Peter Alexander is the only director. ChipMonk shares no director with another company.
Timeline
Timeline
9 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed PDFmicro format · 151 days before the deadline
2025
Equity above €200,000 equity €241,513 ▲55.9% With a profit in every financial year since 2023, equity grows to €241,513.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0804273916
Annual accounts 2024 filed PDFmicro format · 55 days before the deadline
2024
Highest result from 2023 to 2025 net €100,342 ▲84.3% The operating result of €128,644 and the net result of €100,342 are both a record.
Equity above €150,000 equity €154,890 ▲184% With a profit in every financial year since 2023, equity grows to €154,890.
Annual accounts 2023 filed PDFmicro format · 30 days before the deadline
2023
IncorporationFounding capital of €100, 100 shares · Founder: DERUYTERE Peter Alexander · Appointment: DERUYTERE Peter Alexander (director) · published on 27-07-20235 points ▸
- Founder, DERUYTERE Peter Alexander
- Founding capital, €100, 100 shares
- Registered office clause, Peterburgstraat 3C, 3020 Veltem-Beisem (Herent)
- Director appointment, DERUYTERE Peter Alexander
- Power of attorney, Carl Maere
- The deed holds 6 more points.
First establishment Peterburgstraat 3C, Herent
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 25 July 2023, ChipMonk was incorporated as a private limited company by one natural person, with a starting capital of €100.12 DERUYTERE Peter Alexander is director of the company, appointed by deed of 27-07-2023.2 Total assets went from €77,745 in 2023 to €284,014 in 2025.3
Company details
Identity
- Enterprise number
- 0804.273.916
- VAT number
- BE 0804.273.916
- Peppol ID
- 0208:0804273916
- Other Peppol ID
- 9925:BE0804273916
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-07-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 20:00deed of 27-07-2023 (in Dutch)
- Peppol
- Reachable since 07-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ChipMonk in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-07-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Peterburgstraat 3C, 3020 Veltem-Beisem”deed of 27-07-2023 (in Dutch)
Activities
NACEBEL 202571121
Engineering and related technical consultancy, excluding land surveyors main activity
Codes under NACEBEL 2008
71121
Engineering activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van adviezen op het gebied van bedrijfsbeheer en bedrijfsvoering en het verlenen van adviezen en richtsnoeren aan ondernemingen…”deed of 27-07-2023 (in Dutch)
18 activities
- Het verlenen van adviezen op het gebied van bedrijfsbeheer en bedrijfsvoering en het verlenen van adviezen en richtsnoeren aan ondernemingen en de overheid op het gebied van planning,organisatie,efficiëntie en toezicht,informatie op het gebied van beheer,enz.
- De ingenieursactiviteiten,het toepassen van de fysische wetmatigheden en de technische principes bij het ontwerpen van machines,materialen,instrumenten,structuren,ontwikkelingen en systemen.
- Het geven van advies op het vlak van volgende domeinen:machines en industriële ontwikkeling;de uitwerking van projecten op het gebied van elektriciteit en elektronica,mijnbouw,chemie,machine- en werktuigbouw,industriële organisatie en systeemontwikkeling,veiligheid,enz.
- Speur- en ontwikkelingswerk op het gebied van natuurwetenschappen;
- Speur- en ontwikkelingswerk op het gebied van technische en technologische wetenschappen;
- Speur- en ontwikkelingswerk op het gebied van medische wetenschappen;
- Speur- en ontwikkelingswerk op het gebied van de landbouwwetenschappen;
- Interdisciplinair speur- en ontwikkelingswerk,hoofdzakelijk op het gebied van natuur- en technische wetenschappen.
- Flatgebouwen en woningen;
- Niet voor bewoning bestemde gebouwen,met inbegrip van tentoonstellingsruimten,self storageruimten,winkelgalerijen en commerciële centra;
- Gronden en terreinen.
- Al dan niet gemeubelde appartementen en huizen;
- Onroerend goed in de vorm van timesharing;
- De projectontwikkeling met het oog op verhuur van eigen of geleased residentieel onroerend goed,met uitzondering van sociale woningen.
- Kantoorgebouwen,handelspanden,tentoonstellingsruimten en self storageruimten.
- De verhuur op jaarbasis van garageboxen of staanplaatsen voor voertuigen.
- De projectontwikkeling met het oog op verhuur van eigen of geleased niet-residentieel onroerend goed,met uitzondering van terreinen.
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Peterburgstraat 3 registered office 3020 Herent | ||
| Peterburgstraat 3C 3020 Herent | 25-07-2023 | 2.347.792.948 |
Buildings and parcels at the addresses
- Ground area
- 951 m²
- Buildings
- 245 m²
- Volume, LiDAR
- 1,297 m³
- Tallest building
- 9.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24111B0026/00H000 | 736 m² | 1 · 136 m² | 8.2 m · 2 |
| 24111B0044/00G002 | 215 m² | 1 · 109 m² | 9.9 m · 3 |