CHLARé
ActiveThe computed 12-month bankruptcy probability of CHLARé is 1.7% (moderate). The 2025 annual accounts show equity of €69k and a net result of €23k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 70% of 18016 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency98▲+2
Growth58▲+26
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.02 in 2024), and 42.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
57.7%
Return on assets
19%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 49.1%
2024 · €47k
2023: €70k
2024: €47k
2023 → 2025
Total assets
€120k▲ 31.0%
2024 · €92k
2023: €154k
2024: €92k
2023 → 2025
Net result
€23k
2024 · €-24k
2023: €10k
2024: €-24k
2023 → 2025
Working capital
€54k▲ 17.5%
2024 · €46k
2023: €39k
2024: €46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€70k-€47k▼ 33.7%€69k▲ 49.1%
Operating result€14k-€-24k€22k
Net result€10k-€-24k€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €22k after a loss of €24k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€15k▲ 4,201%
Current assets
€105k▲ 14.9%
Equity and liabilities €120k
Equity
€69k▲ 49.1%
Debt
€51k▲ 12.3%
The debt ratio falls from 49.3% to 42.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€24k▲
2024 · €7k
Cash flow
€25k▲
2024 · €7k
Solvency
57.7%▲
2024 · 50.7%
Current ratio
2.07▲
2024 · 2.02
Quick ratio
2.07▲
2024 · 2.02
Debt / equity
0.73▼
2024 · 0.97
ROE
32.9%▲
2024 · -50.8%
ROA
19.0%▲
2024 · -25.8%
Interest coverage
81.27▲
2024 · 5.18
Debt
€51k▲
2024 · €45k
Debt ≤ 1 year
€51k▲
2024 · €45k
Income taxes
€4k▲
2024 · €-1k
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€92k€120k▲
Fixed assets21/28€351€15k▲
Tangible fixed assets22/27€351€15k▲
Land and buildings22-€9k
Plant, machinery and equipment23-€2k
Furniture and vehicles24€351€4k▲
Current assets29/58€91k€105k▲
Amounts receivable within one year40/41€71k€81k▲
Trade receivables40€70k€69k▼
Other amounts receivable41€848€12k▲
Cash at bank and in hand54/58€20k€24k▲
Equity and liabilities
Total equity and liabilities10/49€92k€120k▲
Equity10/15€47k€69k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-13k€9k▲
Amounts payable17/49€45k€51k▲
Amounts payable within one year42/48€45k€51k▲
Current portion of amounts payable after more than one year42€17k€7k▼
Trade debts44€17k€36k▲
Suppliers440/4€17k€36k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€1k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€2k▼
Other operating charges640/8€24k€455▼
Gross operating margin9900€31k€25k▼
Operating profit (loss)9901€-24k€22k▲
Financial income75/76B€14€5k▲
Recurring financial income75€14€50▲
Non-recurring financial income76B-€5k
Financial charges65/66B€1k€297▼
Recurring financial charges65€1k€297▼
Profit (loss) for the period before taxes9903€-25k€27k▲
Income taxes67/77€-1k€4k▲
Profit (loss) for the period9904€-24k€23k▲
Profit (loss) for the period to be appropriated9905€-24k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€9k▲
Profit (loss) brought forward from the previous period14P€10k€-13k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-24k ▼333%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schilde · 1 establishment unit since 2022
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.
Turnhoutsebaan 1522970 SchildeGround area
6,021 m²
Building footprint
418 m²
Volume, LiDAR
4,406 m³
Parcel 11922C0091/00F000, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ridoo
since 20222.337.752.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0091/00F000 | Flanders | 6,021 m² | 1 · 418 m² | 14.9 m · 4 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.
Similar companies · same sector, comparable size
Biarritz
BE 0892.330.021
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LINATEX
BE 0480.474.751
Antwerpen · Eq €69k
TALIO
BE 0683.724.888
Aalst · Eq €70k
PADECOR
BE 0807.091.864
Lievegem · Eq €68k
MONEDI
BE 0860.239.055
Nivelles · Eq €68k
Of 1,268 companies in sector 47512 we hold annual accounts for 579. 478 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.