CHIPS EXPERIENCE
ActiveSummary
CHIPS EXPERIENCE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128,474 and a net result of €25,520. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-4
Solvency100▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 7.23 against 2.73 in 2024; short-term debt: 13.1% and cash: 60% of total assets), and 19.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% 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
80.7%
Return on assets
16%
Age of the figures
12 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €128,474
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
5 d early
2021
52 d early
2020
31 d early
2019
31 d early
← 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 17 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€128,474▲ 24.8%
2024 · €102,954
Total assets
€159,199▼ 10.0%
2024 · €176,948
Net result
€25,520▼ 24.4%
2024 · €33,767
Working capital
€130,199▲ 20.1%
2024 · €108,374
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,986▼ 12.0%€24,059▲ 244%€79,017▲ 228%€52,076▼ 34.1%€38,979▼ 25.1%
Net result€2,255▼ 40.6%-€10,871€58,879€33,767▼ 42.6%€25,520▼ 24.4%
Equity€21,179▲ 11.9%€10,308▼ 51.3%€69,187▲ 571%€102,954▲ 48.8%€128,474▲ 24.8%
Total assets€177,592▼ 3.7%€110,359▼ 37.9%€139,024▲ 26.0%€176,948▲ 27.3%€159,199▼ 10.0%
Debt€156,413▼ 5.5%€100,051▼ 36.0%€69,837▼ 30.2%€73,994▲ 6.0%€30,725▼ 58.5%
Working capital-€69,363▼ 7.3%€60,246€90,323▲ 49.9%€108,374▲ 20.0%€130,199▲ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159,199
Fixed assets
€8,102 ▲ 36.3%
Current assets
€151,097 ▼ 11.6%
Equity and liabilities €159,199
Equity
€128,474 ▲ 24.8%
Debt
€30,725 ▼ 58.5%
Debt's share of the balance-sheet total falls from 41.8% to 19.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41,000▼
2024 · €53,407
Cash flow
€27,541▼
2024 · €35,098
Current ratio
7.23▲
2024 · 2.73
Debt to equity
0.24▼
2024 · 0.72
ROE
19.9%▼
2024 · 32.8%
ROA
16.0%▼
2024 · 19.1%
Interest coverage
20.59▲
2024 · 12.67
Debt ≤ 1 year
€20,898▼
2024 · €62,631
Debt > 1 year
€0▼
2024 · €11,363
Income taxes
€13,578▼
2024 · €14,093
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 34,672 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 | - | €537 | €618 | €1,331 | €2,021 | ▲ 51.9% |
| Other operating charges640/8 | - | €1,646 | €584 | €1,060 | €2,148 | ▲ 103% |
| Gross operating margin9900 | €8,812 | €26,242 | €80,218 | €54,466 | €43,148 | ▼ 20.8% |
| Operating profit (loss)9901 | €6,986 | €24,059 | €79,017 | €52,076 | €38,979 | ▼ 25.1% |
| Financial income75/76B | - | €4,648 | €0 | - | €2,110 | - |
| Recurring financial income75 | €426 | €4,648 | €0 | - | €2,110 | - |
| Financial charges65/66B | - | €30,773 | €3,760 | €4,215 | €1,991 | ▼ 52.8% |
| Recurring financial charges65 | €1,969 | €1,943 | €3,760 | €4,215 | €1,991 | ▼ 52.8% |
| Non-recurring financial charges66B | - | €28,830 | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | €5,443 | -€2,065 | €75,257 | €47,860 | €39,098 | ▼ 18.3% |
| Income taxes67/77 | €3,189 | €8,806 | €16,378 | €14,093 | €13,578 | ▼ 3.7% |
| Profit (loss) for the period9904 | €2,255 | -€10,871 | €58,879 | €33,767 | €25,520 | ▼ 24.4% |
| Profit (loss) for the period to be appropriated9905 | €2,255 | -€10,871 | €58,879 | €33,767 | €25,520 | ▼ 24.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,592 | €110,359 | €139,024 | €176,948 | €159,199 | ▼ 10.0% |
| Fixed assets21/28 | €153,171 | €1,985 | €1,367 | €5,943 | €8,102 | ▲ 36.3% |
| Tangible fixed assets22/27 | - | €1,935 | €1,317 | €5,893 | €8,052 | ▲ 36.6% |
| Furniture and vehicles24 | - | €1,935 | €1,317 | €5,893 | €8,052 | ▲ 36.6% |
| Financial fixed assets28 | €153,171 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €24,421 | €108,375 | €137,657 | €171,005 | €151,097 | ▼ 11.6% |
| Amounts receivable after more than one year29 | - | €62,146 | €62,146 | €62,146 | €0 | ▼ 100% |
| Trade receivables290 | - | €62,146 | €62,146 | €62,146 | - | - |
| Other amounts receivable291 | - | - | - | - | €0 | - |
| Amounts receivable within one year40/41 | - | €28,421 | €25,406 | €3,665 | €55,651 | ▲ 1,418% |
| Trade receivables40 | - | €18,421 | €15,406 | €2,759 | €20,696 | ▲ 650% |
| Other amounts receivable41 | - | €10,000 | €10,000 | €907 | €34,955 | ▲ 3,755% |
| Cash at bank and in hand54/58 | €24,421 | €15,496 | €50,105 | €105,194 | €95,446 | ▼ 9.3% |
| Deferred charges and accrued income490/1 | - | €2,312 | €0 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,592 | €110,359 | €139,024 | €176,948 | €159,199 | ▼ 10.0% |
| Equity10/15 | €21,179 | €10,308 | €69,187 | €102,954 | €128,474 | ▲ 24.8% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €14,860 | €14,860 | €62,860 | €96,627 | €122,274 | ▲ 26.5% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €13,000 | €61,000 | €94,767 | €120,414 | ▲ 27.1% |
| Profit (loss) carried forward14 | €119 | -€10,752 | €127 | €127 | €0 | ▼ 100% |
| Amounts payable17/49 | €156,413 | €100,051 | €69,837 | €73,994 | €30,725 | ▼ 58.5% |
| Amounts payable after more than one year17 | €62,629 | €51,923 | €22,502 | €11,363 | €0 | ▼ 100% |
| Financial debts170/4 | - | €51,923 | €22,502 | €11,363 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €93,784 | €48,128 | €47,334 | €62,631 | €20,898 | ▼ 66.6% |
| Current portion of amounts payable after more than one year42 | - | €10,706 | €10,921 | €11,140 | €11,363 | ▲ 2.0% |
| Trade debts44 | €3,654 | €24,889 | €3,129 | €5,416 | €917 | ▼ 83.1% |
| Suppliers440/4 | - | €24,889 | €3,129 | €5,416 | €917 | ▼ 83.1% |
| Taxes, remuneration and social security45 | - | €8,200 | €23,385 | €19,424 | €7,768 | ▼ 60.0% |
| Taxes450/3 | - | €8,200 | €11,765 | €16,797 | €5,129 | ▼ 69.5% |
| Remuneration and social security454/9 | - | - | €11,620 | €2,626 | €2,640 | ▲ 0.5% |
| Other amounts payable47/48 | - | €4,334 | €9,900 | €26,652 | €850 | ▼ 96.8% |
| Accrued charges and deferred income492/3 | - | - | - | - | €9,827 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,255 | -€10,871 | €58,879 | €33,767 | €25,520 | ▼ 24.4% |
| + Depreciation and write-downs630 | - | €537 | €618 | €1,331 | €2,021 | ▲ 51.9% |
| Operating cash flow (approximation) | €2,255 | -€10,335 | €59,497 | €35,098 | €27,541 | ▼ 21.5% |
| Investment in fixed assets (approximation) | - | €150,650 | €0 | -€5,907 | -€4,180 | ▲ 29.2% |
| Change in cash | - | -€8,925 | €34,609 | €55,089 | -€9,748 | ▼ 118% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 7.23
Current ratio from 2.73 to 7.23; short-term debt falls from €62,631 to €20,898.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100,000Eq €102,954 ▲48.8%
2 profitable years in a row build equity to €102,954.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €58,879
Net result €58,879 after one loss-making year.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet -€10,871
Net result drops to -€10,871, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 9current ratio 2.25
Current ratio from 0.26 to 2.25; short-term debt falls from €93,784 to €48,128.
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €3,798
Net result €3,798 after one loss-making year.
Show earlier events
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Kruisem · 1 establishment unit since 2011
Ground area
6,632 m²
Building footprint
4,107 m²
Volume, LiDAR
41,069 m³
2 parcels, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chips Experience
since 20112.194.453.764
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A3417/00W000 | Flanders | 4,510 m² | 1 · 3,510 m² | 14.7 m · 4 fl. |
| 45017C1108/00A002 | Flanders | 2,122 m² | 1 · 597 m² | 7.7 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 40,864 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
Founded13-12-2010
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832009283
Registered
27-03-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.