Choc'Passion
ActiveThe computed 12-month bankruptcy probability of Choc'Passion is 1.9% (moderate). The 2025 annual accounts show equity of €122k and a net result of €46k. Equity is growing by ~33.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 1522 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+41
Solvency100▲+1
Growth78▲+19
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 2.23 in 2024), and 26.7% 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
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 10
Relative position
BE, all sectors
reference
Sector 10
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
73.3%
Return on assets
27.5%
Age of the figures
14 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
2 d late
2024
1 d early
2023
on the day
2022
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€201k▲ 17.7%
2024 · €171k
2022: €138k
2023: €145k
2024: €171k
2022 → 2025
EBIT margin
30.2%▲ 17.8pp
2024 · 12.4%
2022: 29.7%
2023: 28.2%
2024: 12.4%
2022 → 2025
Net result
€46k▲ 673%
2024 · €6k
2022: €24k
2023: €31k
2024: €6k
2022 → 2025
Working capital
€70k▲ 83.7%
2024 · €38k
2022: €21k
2023: €41k
2024: €38k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€138k-€145k▲ 4.8%€171k▲ 18.0%€201k▲ 17.7%
Equity€49k-€81k▲ 63.2%€86k▲ 7.4%€122k▲ 41.7%
Operating result€41k-€41k▼ 0.5%€21k▼ 48.0%€61k▲ 186%
Net result€24k-€31k▲ 28.1%€6k▼ 80.9%€46k▲ 673%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 186% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€53k▼ 20.1%
Current assets
€115k▲ 65.8%
Equity and liabilities €167k
Equity
€122k▲ 41.7%
Debt
€45k▼ 8.0%
The debt ratio falls from 35.9% to 26.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€74k▲
2024 · €35k
Cash flow
€59k▲
2024 · €20k
Solvency
73.3%▲
2024 · 64.1%
Current ratio
2.57▲
2024 · 2.23
Quick ratio
1.78▲
2024 · 1.15
Debt / equity
0.36▼
2024 · 0.56
ROE
37.6%▲
2024 · 6.9%
ROA
27.5%▲
2024 · 4.4%
Interest coverage
28.99▲
2024 · 18.09
Debt
€45k▼
2024 · €48k
Debt ≤ 1 year
€45k▲
2024 · €31k
Income taxes
€12k▲
2024 · €3k
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€135k€167k▲
Fixed assets21/28€66k€53k▼
Tangible fixed assets22/27€66k€53k▼
Plant, machinery and equipment23€58k€49k▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€47€47=
Current assets29/58€69k€115k▲
Stocks and contracts in progress3€33k€35k▲
Stocks30/36€33k€35k▲
Cash at bank and in hand54/58€36k€80k▲
Equity and liabilities
Total equity and liabilities10/49€135k€167k▲
Equity10/15€86k€122k▲
Contributions10/11€25k€25k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€37k€73k▲
Amounts payable17/49€48k€45k▼
Amounts payable after more than one year17€17k-
Financial debts170/4€17k-
Amounts payable within one year42/48€31k€45k▲
Current portion of amounts payable after more than one year42€21k€17k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Bills of exchange payable441€262-
Taxes, remuneration and social security45€4k€16k▲
Taxes450/3€4k€16k▲
Other amounts payable47/48€3k€10k▲
Income statement
Code20242025
Turnover70€171k€201k▲
Goods, raw materials, services and sundry goods60/61€139k€129k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€789€2k▲
Gross operating margin9900€36k€76k▲
Operating profit (loss)9901€21k€61k▲
Financial income75/76B-€13
Recurring financial income75-€13
Financial charges65/66B€12k€3k▼
Recurring financial charges65€2k€3k▲
Non-recurring financial charges66B€10k-
Profit (loss) for the period before taxes9903€9k€58k▲
Income taxes67/77€3k€12k▲
Profit (loss) for the period9904€6k€46k▲
Profit (loss) for the period to be appropriated9905€6k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€83k▲
Profit (loss) brought forward from the previous period14P€32k€37k▲
Profit to be distributed694/7-€10k
Directors or managers695-€10k
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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Highest result since 2022net €46k ▲673%
Operating result €61k, net result €46k, both a record.
30-06
Financial
Equity above €100kEq €122k ▲41.7%
4 profitable years in a row build equity to €122k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €6k ▼80.9%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Jodoigne · 1 establishment unit since 2021
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.
Rue St Jean(Jod.) 71370 JodoigneGround area
93 m²
Building footprint
54 m²
Volume, LiDAR
638 m³
Parcel 25048G0251/00H000, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Choc'Passion
since 20212.314.041.304
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048G0251/00H000 | Wallonia | 93 m² | 1 · 54 m² | 13.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteJodoigne2.314.041.304
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Of 722 companies in sector 10820 we hold annual accounts for 349. 239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2021
Fiscal year end30-06
Activities, NACEBEL
10820Manufacture of cocoa, chocolate and sugar confectionery
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32479714537