CHLOMAR
ActiveCHLOMAR has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €517k and a net result of €-25k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 15870 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-36
Solvency66=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.1 in 2023; short-term debt: 40.4% and cash: 2% of total assets), and 59.4% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
40.6%
Return on assets
-2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
on the day
2022
9 d late
2021
58 d late
2020
24 d late
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€517k▼ 4.7%
2023 · €542k
2018: €416k
2019: €412k
2020: €420k
2021: €480k
2022: €506k
2023: €542k
2018 → 2024
Total assets
€1.27M▼ 3.7%
2023 · €1.32M
2018: €1.73M
2019: €1.65M
2020: €1.61M
2021: €1.57M
2022: €1.49M
2023: €1.32M
2018 → 2024
Net result
€-25k
2023 · €36k
2018: €2k
2019: €-4k
2020: €7k
2021: €61k
2022: €26k
2023: €36k
2018 → 2024
Working capital
€-445k▲ 9.0%
2023 · €-489k
2018: €-514k
2019: €-538k
2020: €-533k
2021: €-499k
2022: €-505k
2023: €-489k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€420k-€480k▲ 14.5%€506k▲ 5.4%€542k▲ 7.1%€517k▼ 4.7%
Operating result€17k-€72k▲ 330%€49k▼ 32.0%€54k▲ 10.5%€22k▼ 58.3%
Net result€7k-€61k▲ 757%€26k▼ 57.3%€36k▲ 39.1%€-25k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 58% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.20M▼ 5.1%
Current assets
€69k▲ 29.7%
Equity and liabilities €1.27M
Equity
€517k▼ 4.7%
Provisions
€33k=
Debt
€722k▼ 3.1%
The debt ratio rises from 56.4% to 56.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€87k▼
2023 · €123k
Cash flow
€39k▼
2023 · €105k
Solvency
40.6%▼
2023 · 41.1%
Current ratio
0.13▲
2023 · 0.10
Quick ratio
0.13▲
2023 · 0.09
Debt / equity
1.40▲
2023 · 1.37
ROE
-4.9%▼
2023 · 6.6%
ROA
-2.0%▼
2023 · 2.7%
Interest coverage
2.40▼
2023 · 9.60
Debt
€722k▼
2023 · €745k
Debt ≤ 1 year
€514k▼
2023 · €542k
Debt > 1 year
€208k▲
2023 · €191k
Income taxes
€12k▲
2023 · €5k
Staff costs
€130k▲
2023 · €110k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.32M€1.27M▼
Fixed assets21/28€1.27M€1.20M▼
Tangible fixed assets22/27€1.27M€1.20M▼
Land and buildings22€1.27M€1.20M▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Financial fixed assets28€200€200=
Current assets29/58€53k€69k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€42k€41k▼
Trade receivables40€42k€31k▼
Other amounts receivable41€0€10k▲
Cash at bank and in hand54/58€9k€26k▲
Deferred charges and accrued income490/1€436€88▼
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.27M▼
Equity10/15€542k€517k▼
Contributions10/11€312k€312k=
Capital10€312k€312k=
Issued capital100€312k€312k=
Reserves13€59k€59k=
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€171k€146k▼
Provisions and deferred taxes16€33k€33k=
Provisions for liabilities and charges160/5€33k€33k=
Pensions and similar obligations160€33k€33k=
Amounts payable17/49€745k€722k▼
Amounts payable after more than one year17€191k€208k▲
Financial debts170/4€191k€208k▲
Amounts payable within one year42/48€542k€514k▼
Current portion of amounts payable after more than one year42€172k€49k▼
Financial debts43-€27k
Credit institutions430/8-€27k
Trade debts44€200k€253k▲
Suppliers440/4€200k€253k▲
Taxes, remuneration and social security45€6k€20k▲
Remuneration and social security454/9€6k€20k▲
Other amounts payable47/48€165k€166k▲
Accrued charges and deferred income492/3€11k€263▼
Income statement
Code20232024
Remuneration, social security and pensions62€110k€130k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€64k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€633-
Other operating charges640/8€13k€14k▲
Gross operating margin9900€246k€230k▼
Operating profit (loss)9901€54k€22k▼
Financial income75/76B-€116
Recurring financial income75-€116
Financial charges65/66B€13k€36k▲
Recurring financial charges65€13k€36k▲
Profit (loss) for the period before taxes9903€41k€-13k▼
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€36k€-25k▼
Profit (loss) for the period to be appropriated9905€36k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€171k€-25k▼
Profit (loss) brought forward from the previous period14P€135k-
Transfer from equity791/2-€171k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-25k ▼170%
Net result drops to €-25k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Equity above €500kEq €506k ▲5.4%
3 profitable years in a row build equity to €506k.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Highest result since 2018net €61k ▲757%
Operating result €72k, net result €61k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dilbeek · 1 establishment unit since 2000
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.
Brouwerijstraat 51703 DilbeekGround area
2,650 m²
Building footprint
525 m²
Volume, LiDAR
1,710 m³
2 parcels, Flanders · tallest building 21.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stationsstraat 244, 1700 Dilbeek
since 20002.099.361.793
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070E0353/00A000 | Flanders | 1,719 m² | 1 · 284 m² | - |
| 23016A0049/00Y002 | Flanders | 931 m² | 1 · 241 m² | 21.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilbeek2.099.361.793
Similar companies · same sector, comparable size
LFC
BE 0898.319.473
Kontich · Eq €519k
YVB
BE 0597.969.366
Niel · Eq €521k
Juco-Invest
BE 0644.910.537
Ardooie · Eq €525k
CARRETTE TRADEPARTNERS
BE 0721.458.086
Kortrijk · Eq €526k
ESFE
BE 0454.832.109
Gent · Eq €505k
Of 1,641 companies in sector 46170 we hold annual accounts for 671. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-12-1999
Fiscal year end31-12
Activities, NACEBEL
46170Agents in the wholesale of food, beverages and tobacco
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.