Chocafi
ActiveSummary
Chocafi has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €10k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+6
Solvency82▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.86 in 2024; short-term debt: 42.5% and cash: 60.9% of total assets), and 42.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more 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
57.5%
Return on assets
16.3%
Age of the figures
9 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
61 d late
2023
61 d late
2022
60 d late
2021
58 d late
2020
30 d late
2019
98 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 3.4%
2024 · €38k
2018: €15klowest in 8 years
2019: €20k▲ +30.7% vs 2018
2020: €19k▼ -2.2% vs 2019
2021: €36k▲ +86.7% vs 2020
2022: €40k▲ +10.8% vs 2021
2023: €41k▲ +1.9% vs 2022highest in 8 years
2024: €38k▼ -7.0% vs 2023
2025: €37k▼ -3.4% vs 2024
2018 → 2025
Total assets
€64k▼ 15.4%
2024 · €76k
2018: €39klowest in 8 years
2019: €40k▲ +4.4% vs 2018
2020: €66k▲ +63.5% vs 2019
2021: €90k▲ +36.2% vs 2020highest in 8 years
2022: €79k▼ -12.3% vs 2021
2023: €80k▲ +1.1% vs 2022
2024: €76k▼ -4.9% vs 2023
2025: €64k▼ -15.4% vs 2024
2018 → 2025
Net result
€10k▲ 17.7%
2024 · €9k
2018: €453lowest in 8 years
2019: €5k▲ +933% vs 2018
2020: €10k▲ +104% vs 2019
2021: €23k▲ +138% vs 2020highest in 8 years
2022: €10k▼ -56.9% vs 2021
2023: €13k▲ +27.7% vs 2022
2024: €9k▼ -29.0% vs 2023
2025: €10k▲ +17.7% vs 2024
2018 → 2025
Working capital
€30k▼ 7.5%
2024 · €32k
2018: €11klowest in 8 years
2019: €20k▲ +82.7% vs 2018
2020: €11k▼ -44.2% vs 2019
2021: €29k▲ +162% vs 2020
2022: €34k▲ +17.2% vs 2021highest in 8 years
2023: €29k▼ -15.4% vs 2022
2024: €32k▲ +11.5% vs 2023
2025: €30k▼ -7.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€40k▲ 10.8%€41k▲ 1.9%€38k▼ 7.0%€37k▼ 3.4%
2021: €36klowest in 5 years
2022: €40k▲ +10.8% vs 2021
2023: €41k▲ +1.9% vs 2022highest in 5 years
2024: €38k▼ -7.0% vs 2023
2025: €37k▼ -3.4% vs 2024
Operating result€28k-€14k▼ 51.9%€17k▲ 26.4%€13k▼ 25.1%€14k▲ 12.3%
2021: €28khighest in 5 years
2022: €14k▼ -51.9% vs 2021
2023: €17k▲ +26.4% vs 2022
2024: €13k▼ -25.1% vs 2023lowest in 5 years
2025: €14k▲ +12.3% vs 2024
Net result€23k-€10k▼ 56.9%€13k▲ 27.7%€9k▼ 29.0%€10k▲ 17.7%
2021: €23khighest in 5 years
2022: €10k▼ -56.9% vs 2021
2023: €13k▲ +27.7% vs 2022
2024: €9k▼ -29.0% vs 2023lowest in 5 years
2025: €10k▲ +17.7% vs 2024
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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€7k ▲ 18.9%
Current assets
€57k ▼ 18.3%
Equity and liabilities €64k
Equity
€37k ▼ 3.4%
Debt
€27k ▼ 27.6%
Debt's share of the balance-sheet total falls from 49.7% to 42.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €20k
Cash flow
€13k▼
2024 · €16k
Current ratio
2.09▲
2024 · 1.86
Quick ratio
1.60▲
2024 · 1.41
Debt to equity
0.74▼
2024 · 0.99
ROE
28.4%▲
2024 · 23.3%
ROA
16.3%▲
2024 · 11.7%
Interest coverage
11.16▼
2024 · 13.65
Debt ≤ 1 year
€27k▼
2024 · €38k
Income taxes
€3k▲
2024 · €3k
Staff costs
€885▲
2024 · €493
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€64k▼
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Land and buildings22€450-
Plant, machinery and equipment23€3k€5k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28-€5
Current assets29/58€70k€57k▼
Stocks and contracts in progress3€17k€14k▼
Stocks30/36€17k€14k▼
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€318-
Cash at bank and in hand54/58€46k€39k▼
Deferred charges and accrued income490/1€88€88=
Equity and liabilities
Total equity and liabilities10/49€76k€64k▼
Equity10/15€38k€37k▼
Contributions10/11€19k€19k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€13k€12k▼
Amounts payable17/49€38k€27k▼
Amounts payable within one year42/48€38k€27k▼
Current portion of amounts payable after more than one year42€696-
Trade debts44€19k€11k▼
Suppliers440/4€19k€11k▼
Advances received on contracts in progress46-€200
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Remuneration and social security454/9€272€474▲
Other amounts payable47/48€10k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€493€885▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€943€885▼
Gross operating margin9900€21k€19k▼
Operating profit (loss)9901€13k€14k▲
Financial income75/76B€74€195▲
Recurring financial income75€74€195▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€12k€13k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€9k€10k▲
Profit (loss) for the period to be appropriated9905€9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€23k▼
Profit (loss) brought forward from the previous period14P€16k€13k▼
Profit to be distributed694/7€12k€12k=
Return on contributions (dividend)694€12k€12k=
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €859 | €1k | €1k | €493 | €885 | ▲ 79.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €6k | €7k | €2k | ▼ 64.3% |
| Other operating charges640/8 | €401 | €402 | €843 | €943 | €885 | ▼ 6.2% |
| Gross operating margin9900 | €35k | €21k | €25k | €21k | €19k | ▼ 11.8% |
| Operating profit (loss)9901 | €28k | €14k | €17k | €13k | €14k | ▲ 12.3% |
| Financial income75/76B | - | €178 | - | €74 | €195 | ▲ 163% |
| Recurring financial income75 | - | €178 | - | €74 | €195 | ▲ 163% |
| Financial charges65/66B | €1k | €1k | €1k | €1k | €2k | ▲ 4.8% |
| Recurring financial charges65 | €1k | €1k | €1k | €1k | €2k | ▲ 4.8% |
| Profit (loss) for the period before taxes9903 | €27k | €13k | €16k | €12k | €13k | ▲ 14.2% |
| Income taxes67/77 | €4k | €3k | €3k | €3k | €3k | ▲ 2.5% |
| Profit (loss) for the period9904 | €23k | €10k | €13k | €9k | €10k | ▲ 17.7% |
| Profit (loss) for the period to be appropriated9905 | €23k | €10k | €13k | €9k | €10k | ▲ 17.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90k | €79k | €80k | €76k | €64k | ▼ 15.4% |
| Fixed assets21/28 | €16k | €11k | €13k | €6k | €7k | ▲ 18.9% |
| Tangible fixed assets22/27 | €16k | €11k | €13k | €6k | €7k | ▲ 18.8% |
| Land and buildings22 | €15k | €10k | €5k | €450 | - | - |
| Plant, machinery and equipment23 | €2k | €1k | €4k | €3k | €5k | ▲ 82.7% |
| Other tangible fixed assets26 | - | - | €3k | €2k | €2k | ▼ 37.5% |
| Financial fixed assets28 | - | - | - | - | €5 | - |
| Current assets29/58 | €74k | €68k | €67k | €70k | €57k | ▼ 18.3% |
| Stocks and contracts in progress3 | €12k | €13k | €14k | €17k | €14k | ▼ 19.1% |
| Stocks30/36 | €12k | €13k | €14k | €17k | €14k | ▼ 19.1% |
| Amounts receivable within one year40/41 | €8k | €21k | €23k | €7k | €4k | ▼ 39.2% |
| Trade receivables40 | €7k | €16k | €22k | €7k | €4k | ▼ 36.5% |
| Other amounts receivable41 | €1k | €6k | €865 | €318 | - | - |
| Cash at bank and in hand54/58 | €52k | €34k | €29k | €46k | €39k | ▼ 14.8% |
| Deferred charges and accrued income490/1 | €880 | €10 | - | €88 | €88 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90k | €79k | €80k | €76k | €64k | ▼ 15.4% |
| Equity10/15 | €36k | €40k | €41k | €38k | €37k | ▼ 3.4% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €7k | €7k | €7k | €7k | €7k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €5k | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €11k | €15k | €16k | €13k | €12k | ▼ 10.1% |
| Amounts payable17/49 | €54k | €39k | €39k | €38k | €27k | ▼ 27.6% |
| Amounts payable after more than one year17 | €9k | €5k | €691 | - | - | - |
| Financial debts170/4 | €9k | €5k | €691 | - | - | - |
| Amounts payable within one year42/48 | €45k | €34k | €38k | €38k | €27k | ▼ 27.6% |
| Current portion of amounts payable after more than one year42 | €4k | €4k | €4k | €696 | - | - |
| Trade debts44 | €12k | €15k | €10k | €19k | €11k | ▼ 39.2% |
| Suppliers440/4 | €12k | €15k | €10k | €19k | €11k | ▼ 39.2% |
| Advances received on contracts in progress46 | - | - | €5k | - | €200 | - |
| Taxes, remuneration and social security45 | €8k | €9k | €9k | €8k | €3k | ▼ 59.2% |
| Taxes450/3 | €7k | €8k | €8k | €8k | €3k | ▼ 63.7% |
| Remuneration and social security454/9 | €735 | €1k | €576 | €272 | €474 | ▲ 74.1% |
| Other amounts payable47/48 | €21k | €5k | €11k | €10k | €12k | ▲ 23.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €10k | €13k | €9k | €10k | ▲ 17.7% |
| + Depreciation and write-downs630 | €5k | €5k | €6k | €7k | €2k | ▼ 64.3% |
| Operating cash flow (approximation) | €28k | €15k | €18k | €16k | €13k | ▼ 18.1% |
| Investment in fixed assets (approximation) | - | €0 | €-8k | €0 | €-4k | - |
| Change in cash | - | €-19k | €-4k | €16k | €-7k | ▼ 141% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Highest result since 2018net €23k ▲138%
Operating result €28k, net result €23k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schelle · 1 establishment unit since 2015
Ground area
1,562 m²
Building footprint
521 m²
Volume, LiDAR
5,143 m³
Parcel 11038A0165/00E000, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Confiserie Katja Philips
since 20152.238.984.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0165/00E000 | Flanders | 1,562 m² | 1 · 521 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 siteSchelle2.238.984.088
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A.S.B.
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Of 899 companies in sector 47242 we hold annual accounts for 339. 287 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 (pre-2019)
Founded20-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47242Retail sale of chocolate and confectionery
Scores and ratios are computed by Checked and are not a credit decision.