Chir.Xpr
ActiveChir.Xpr has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €-11k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 30% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency43▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity short (current ratio 0.85 against 0.84 in 2024), and 70.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
29 d late
2022
1 d late
2021
26 d late
2020
121 d late
2019
27 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€230k▼ 4.7%
2024 · €241k
2018: €307k
2019: €361k
2020: €348k
2021: €325k
2022: €271k
2023: €250k
2024: €241k
2018 → 2025
Total assets
€772k▼ 3.0%
2024 · €796k
2018: €974k
2019: €1.01M
2020: €981k
2021: €956k
2022: €875k
2023: €828k
2024: €796k
2018 → 2025
Net result
€-11k▼ 29.4%
2024 · €-9k
2018: €-7k
2019: €55k
2020: €-14k
2021: €-23k
2022: €-54k
2023: €-21k
2024: €-9k
2018 → 2025
Working capital
€-79k▲ 12.5%
2024 · €-90k
2018: €-217k
2019: €-108k
2020: €-90k
2021: €-83k
2022: €-106k
2023: €-104k
2024: €-90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€325k-€271k▼ 16.5%€250k▼ 7.9%€241k▼ 3.5%€230k▼ 4.7%
Operating result€-24k-€-51k▼ 106%€-29k▲ 43.3%€-16k▲ 44.5%€-11k▲ 33.0%
Net result€-23k-€-54k▼ 137%€-21k▲ 60.1%€-9k▲ 58.7%€-11k▼ 29.4%
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 €11k in 2025 against €16k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €772k
Fixed assets
€308k▼ 6.9%
Current assets
€464k▼ 0.2%
Equity and liabilities €772k
Equity
€230k▼ 4.7%
Debt
€543k▼ 2.2%
The debt ratio rises from 69.7% to 70.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€12k▲
2024 · €7k
Cash flow
€11k▼
2024 · €14k
Solvency
29.7%▼
2024 · 30.3%
Current ratio
0.85▲
2024 · 0.84
Quick ratio
0.85▲
2024 · 0.84
Debt / equity
2.36▲
2024 · 2.30
ROE
-5.0%▼
2024 · -3.7%
ROA
-1.5%▼
2024 · -1.1%
Interest coverage
105.56▲
2024 · 59.79
Debt
€543k▼
2024 · €555k
Debt ≤ 1 year
€543k▼
2024 · €555k
Income taxes
€8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€796k€772k▼
Fixed assets21/28€331k€308k▼
Tangible fixed assets22/27€331k€308k▼
Land and buildings22€329k€306k▼
Furniture and vehicles24€2k€2k=
Current assets29/58€465k€464k▼
Amounts receivable within one year40/41€460-
Other amounts receivable41€460-
Current investments50/53€358k€358k=
Cash at bank and in hand54/58€105k€105k▼
Deferred charges and accrued income490/1€704€691▼
Equity and liabilities
Total equity and liabilities10/49€796k€772k▼
Equity10/15€241k€230k▼
Contributions10/11€25k€25k=
Reserves13€216k€205k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€214k€205k▼
Amounts payable17/49€555k€543k▼
Amounts payable within one year42/48€555k€543k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€1k€8k▲
Taxes450/3€1k€8k▲
Other amounts payable47/48€554k€533k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€9k€14k▲
Operating profit (loss)9901€-16k€-11k▲
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€121€114▼
Recurring financial charges65€116€114▼
Non-recurring financial charges66B€5-
Profit (loss) for the period before taxes9903€-9k€-4k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€-9k€-11k▼
Profit (loss) for the period to be appropriated9905€-9k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-106k€-11k▲
Profit (loss) brought forward from the previous period14P€-98k-
Transfer from equity791/2€320k€216k▼
Transfer to equity691/2€214k€205k▼
To other reserves6921€214k€205k▼
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2017
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-11-2017
Resigned as Managing director
Location & real-estate footprint
Registered office, Watermaal-Bosvoorde · 1 establishment unit since 2004
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.
Terhulpsesteenweg 1501170 Watermaal-BosvoordeGround area
4,415 m²
Building footprint
2,124 m²
Volume, LiDAR
45,158 m³
Parcel 21652E0035/00R005, Brussels · tallest building 36.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Terhulpsesteenweg 150, 1170 Watermaal-Bosvoorde
since 20042.186.409.890
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600JYFX843Q2OAH08
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 39,140 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.