Chipper
ActiveSummary
Chipper has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €15k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 3489 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-1
Solvency42▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.29 in 2024; short-term debt: 83.4% and cash: 43.4% of total assets), and 83.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← 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
16.6%
Return on assets
15%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 3489 sector peers (2025).
NBB · sector comparisonPosition among 3489 sector peers
Solvency
better than 24%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
1 d early
2022
21 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 58.9%
2024 · €42k
2022: €13klowest in 4 years
2023: €28k▲ +113% vs 2022
2024: €42k▲ +48.1% vs 2023highest in 4 years
2025: €17k▼ -58.9% vs 2024
2022 → 2025
Total assets
€103k▲ 8.8%
2024 · €95k
2022: €44klowest in 4 years
2023: €56k▲ +28.4% vs 2022
2024: €95k▲ +69.8% vs 2023
2025: €103k▲ +8.8% vs 2024highest in 4 years
2022 → 2025
Net result
€15k▲ 7.4%
2024 · €14k
2022: €12klowest in 4 years
2023: €16k▲ +36.7% vs 2022highest in 4 years
2024: €14k▼ -8.6% vs 2023
2025: €15k▲ +7.4% vs 2024
2022 → 2025
Working capital
€-4k
2024 · €16k
2022: €12k
2023: €27k▲ +137% vs 2022highest in 4 years
2024: €16k▼ -43.0% vs 2023
2025: €-4k▼ -123% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€28k▲ 113%€42k▲ 48.1%€17k▼ 58.9%
2022: €13klowest in 4 years
2023: €28k▲ +113% vs 2022
2024: €42k▲ +48.1% vs 2023highest in 4 years
2025: €17k▼ -58.9% vs 2024
Operating result€15k-€21k▲ 41.1%€23k▲ 7.6%€25k▲ 9.0%
2022: €15klowest in 4 years
2023: €21k▲ +41.1% vs 2022
2024: €23k▲ +7.6% vs 2023
2025: €25k▲ +9.0% vs 2024highest in 4 years
Net result€12k-€16k▲ 36.7%€14k▼ 8.6%€15k▲ 7.4%
2022: €12klowest in 4 years
2023: €16k▲ +36.7% vs 2022highest in 4 years
2024: €14k▼ -8.6% vs 2023
2025: €15k▲ +7.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€21k ▼ 21.5%
Current assets
€83k ▲ 20.4%
Equity and liabilities €103k
Equity
€17k ▼ 58.9%
Debt
€86k ▲ 61.8%
Debt's share of the balance-sheet total rises from 56.1% to 83.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €30k
Cash flow
€22k▲
2024 · €22k
Current ratio
0.96▼
2024 · 1.29
Debt to equity
5.03▲
2024 · 1.28
ROE
90.3%▲
2024 · 34.5%
ROA
15.0%▼
2024 · 15.2%
Interest coverage
9.27▼
2024 · 10.00
Debt ≤ 1 year
€86k▲
2024 · €53k
Income taxes
€6k▲
2024 · €5k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€95k€103k▲
Fixed assets21/28€26k€21k▼
Tangible fixed assets22/27€26k€21k▼
Plant, machinery and equipment23€164-
Furniture and vehicles24€26k€21k▼
Current assets29/58€69k€83k▲
Amounts receivable within one year40/41€25k€37k▲
Trade receivables40€25k€33k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€41k€45k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€95k€103k▲
Equity10/15€42k€17k▼
Contributions10/11€3k€3k=
Reserves13€39k€15k▼
Distributable reserves133€39k€15k▼
Amounts payable17/49€53k€86k▲
Amounts payable within one year42/48€53k€86k▲
Trade debts44€12k€14k▲
Suppliers440/4€12k€14k▲
Advances received on contracts in progress46€3k€4k▲
Taxes, remuneration and social security45€12k€7k▼
Taxes450/3€12k€7k▼
Other amounts payable47/48€26k€61k▲
Accrued charges and deferred income492/3€120-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€118€602▲
Gross operating margin9900€30k€36k▲
Operating profit (loss)9901€23k€25k▲
Financial income75/76B€185€38▼
Recurring financial income75€185€38▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€20k€21k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€14k€15k▲
Profit (loss) for the period to be appropriated9905€14k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€15k▲
Transfer from equity791/2-€39k
Transfer to equity691/2€14k€15k▲
To other reserves6921€14k€15k▲
Profit to be distributed694/7€859€40k▲
Return on contributions (dividend)694€859€40k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €639 | €802 | €7k | €7k | ▼ 3.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €500 | - | €4k | - |
| Other operating charges640/8 | €50 | €109 | €118 | €602 | ▲ 410% |
| Gross operating margin9900 | €16k | €22k | €30k | €36k | ▲ 21.1% |
| Operating profit (loss)9901 | €15k | €21k | €23k | €25k | ▲ 9.0% |
| Financial income75/76B | €20 | €15 | €185 | €38 | ▼ 79.7% |
| Recurring financial income75 | €20 | €15 | €185 | €38 | ▼ 79.7% |
| Financial charges65/66B | €224 | €880 | €3k | €3k | ▲ 14.4% |
| Recurring financial charges65 | €224 | €880 | €3k | €3k | ▲ 14.4% |
| Profit (loss) for the period before taxes9903 | €15k | €20k | €20k | €21k | ▲ 7.3% |
| Income taxes67/77 | €3k | €4k | €5k | €6k | ▲ 7.0% |
| Profit (loss) for the period9904 | €12k | €16k | €14k | €15k | ▲ 7.4% |
| Profit (loss) for the period to be appropriated9905 | €12k | €16k | €14k | €15k | ▲ 7.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €44k | €56k | €95k | €103k | ▲ 8.8% |
| Fixed assets21/28 | €2k | €966 | €26k | €21k | ▼ 21.5% |
| Tangible fixed assets22/27 | €2k | €966 | €26k | €21k | ▼ 21.5% |
| Plant, machinery and equipment23 | €2k | €966 | €164 | - | - |
| Furniture and vehicles24 | - | - | €26k | €21k | ▼ 21.1% |
| Current assets29/58 | €42k | €55k | €69k | €83k | ▲ 20.4% |
| Amounts receivable within one year40/41 | €15k | €22k | €25k | €37k | ▲ 46.8% |
| Trade receivables40 | €15k | €22k | €25k | €33k | ▲ 32.2% |
| Other amounts receivable41 | - | - | - | €4k | - |
| Cash at bank and in hand54/58 | €26k | €31k | €41k | €45k | ▲ 9.6% |
| Deferred charges and accrued income490/1 | €650 | €2k | €3k | €1k | ▼ 54.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €44k | €56k | €95k | €103k | ▲ 8.8% |
| Equity10/15 | €13k | €28k | €42k | €17k | ▼ 58.9% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | €11k | €26k | €39k | €15k | ▼ 62.7% |
| Distributable reserves133 | €11k | €26k | €39k | €15k | ▼ 62.7% |
| Amounts payable17/49 | €30k | €28k | €53k | €86k | ▲ 61.8% |
| Amounts payable within one year42/48 | €30k | €28k | €53k | €86k | ▲ 62.2% |
| Trade debts44 | €13k | €11k | €12k | €14k | ▲ 16.2% |
| Suppliers440/4 | €13k | €11k | €12k | €14k | ▲ 16.2% |
| Advances received on contracts in progress46 | - | - | €3k | €4k | ▲ 35.0% |
| Taxes, remuneration and social security45 | €15k | €9k | €12k | €7k | ▼ 42.3% |
| Taxes450/3 | €6k | €7k | €12k | €7k | ▼ 42.3% |
| Remuneration and social security454/9 | €9k | €2k | - | - | - |
| Other amounts payable47/48 | €2k | €8k | €26k | €61k | ▲ 135% |
| Accrued charges and deferred income492/3 | €30 | - | €120 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €16k | €14k | €15k | ▲ 7.4% |
| + Depreciation and write-downs630 | €639 | €802 | €7k | €7k | ▼ 3.0% |
| Operating cash flow (approximation) | €12k | €17k | €22k | €22k | ▲ 4.0% |
| Investment in fixed assets (approximation) | - | €0 | €-33k | €-1k | ▲ 96.1% |
| Change in cash | - | €5k | €10k | €4k | ▼ 60.9% |
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
04-09
State Gazette act
General meeting · Statutes amendment
Legal form clause · Capital conversion
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €16k ▲36.7%
Net result €16k, the highest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Brasschaat · 1 establishment unit since 2022
Ground area
2,609 m²
Building footprint
402 m²
Volume, LiDAR
1,809 m³
Parcel 11322E0019/00V003, Flanders · tallest building 18.7 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Chipper
since 20222.325.823.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0019/00V003 | Flanders | 2,609 m² | 1 · 402 m² | 18.7 m · 1 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 6,293 companies in sector 74120 we hold annual accounts for 1,011. 830 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
Founded03-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
74120Graphic design and visual communication
82990Other business support services
Contact
Website
chipper.be
Scores and ratios are computed by Checked and are not a credit decision.