CHOCODIS
ActiveCHOCODIS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.41M and a net result of €393k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 13.48 against 6.28 in 2024), and 4.9% 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 · 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
95.1%
Return on assets
15.5%
Age of the figures
14 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
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 →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 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
6 d late
2023
5 d late
2022
1 d early
2021
10 d late
2020
1 d early
2019
on the day
← 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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.41M▲ 19.5%
2024 · €2.01M
2019: €449k
2020: €693k
2021: €906k
2022: €1.23M
2023: €1.58M
2024: €2.01M
2019 → 2025
Total assets
€2.53M▲ 13.1%
2024 · €2.24M
2019: €1.74M
2020: €1.69M
2021: €1.68M
2022: €1.81M
2023: €1.98M
2024: €2.24M
2019 → 2025
Net result
€393k▼ 10.2%
2024 · €438k
2019: €236k
2020: €245k
2021: €213k
2022: €325k
2023: €348k
2024: €438k
2019 → 2025
Working capital
€1.55M▲ 31.6%
2024 · €1.17M
2019: €189k
2020: €339k
2021: €495k
2022: €680k
2023: €780k
2024: €1.17M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€906k-€1.23M▲ 35.8%€1.58M▲ 28.2%€2.01M▲ 27.7%€2.41M▲ 19.5%
Operating result€326k-€482k▲ 47.9%€505k▲ 4.7%€636k▲ 26.0%€570k▼ 10.4%
Net result€213k-€325k▲ 52.3%€348k▲ 7.2%€438k▲ 25.9%€393k▼ 10.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.53M
Fixed assets
€862k▲ 2.6%
Current assets
€1.67M▲ 19.5%
Equity and liabilities €2.53M
Equity
€2.41M▲ 19.5%
Debt
€124k▼ 44.3%
The debt ratio falls from 10.0% to 4.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€678k▼
2024 · €728k
Cash flow
€501k▼
2024 · €530k
Solvency
95.1%▲
2024 · 90.0%
Current ratio
13.48▲
2024 · 6.28
Quick ratio
12.73▲
2024 · 5.04
Debt / equity
0.05▼
2024 · 0.11
ROE
16.3%▼
2024 · 21.8%
ROA
15.5%▼
2024 · 19.6%
Interest coverage
135.68▲
2024 · 99.92
Debt
€124k▼
2024 · €223k
Debt ≤ 1 year
€124k▼
2024 · €223k
Debt > 1 year
€0
Income taxes
€178k▼
2024 · €197k
Staff costs
€384k▲
2024 · €365k
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€2.24M€2.53M▲
Fixed assets21/28€840k€862k▲
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€824k€848k▲
Land and buildings22€749k€737k▼
Plant, machinery and equipment23€41k€32k▼
Furniture and vehicles24€34k€79k▲
Financial fixed assets28€8k€8k=
Current assets29/58€1.40M€1.67M▲
Stocks and contracts in progress3€275k€92k▼
Stocks30/36€275k€92k▼
Amounts receivable within one year40/41€165k€133k▼
Trade receivables40€165k€116k▼
Other amounts receivable41-€17k
Current investments50/53-€58k
Cash at bank and in hand54/58€957k€1.38M▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€2.24M€2.53M▲
Equity10/15€2.01M€2.41M▲
Contributions10/11€10k€10k=
Reserves13€2.00M€2.40M▲
Distributable reserves133€2.00M€2.40M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€223k€124k▼
Amounts payable after more than one year17-€0
Financial debts170/4-€0
Amounts payable within one year42/48€223k€124k▼
Current portion of amounts payable after more than one year42€82k-
Trade debts44€23k€19k▼
Suppliers440/4€23k€19k▼
Taxes, remuneration and social security45€116k€103k▼
Taxes450/3€55k€61k▲
Remuneration and social security454/9€61k€42k▼
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3-€140
Income statement
Code20242025
Remuneration, social security and pensions62€365k€384k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€108k▲
Other operating charges640/8€13k€24k▲
Gross operating margin9900€1.11M€1.09M▼
Operating profit (loss)9901€636k€570k▼
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€635k€571k▼
Income taxes67/77€197k€178k▼
Profit (loss) for the period9904€438k€393k▼
Profit (loss) for the period to be appropriated9905€438k€393k▼
Appropriation of the result
Profit (loss) to be appropriated9906€438k€393k▼
Transfer to equity691/2€437k€392k▼
To other reserves6921€437k€392k▼
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
Social balance
Average headcount (FTE)90875.7-
The notes to these accounts (13 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
30-06
Financial
Liquidity doublescurrent ratio 13.48
Current ratio from 6.28 to 13.48; short-term debt falls from €223k to €124k.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
30-06
Financial
Highest result since 2019net €438k ▲25.9%
Operating result €636k, net result €438k, both a record.
30-06
Financial
Equity above €2MEq €2.01M ▲27.7%
6 profitable years in a row build equity to €2.01M.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €1MEq €1.23M ▲35.8%
4 profitable years in a row build equity to €1.23M.
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
30-06
Financial
Weakest financial yearnet €213k ▼13.1%
Net result drops to €213k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €500kEq €693k ▲54.5%
2 profitable years in a row build equity to €693k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Kortrijk · 2 establishment units since 2006
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.
Iepersestraat(Kor) 938500 KortrijkGround area
2,436 m²
Building footprint
1,420 m²
Volume, LiDAR
7,721 m³
2 parcels, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CHOCODIS
since 20062.155.239.040
Cocoa
since 20102.186.190.453
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352A0193/00A002 | Flanders | 2,375 m² | 1 · 1,359 m² | 7.0 m · 2 fl. |
| 34353H0371/00E000 | Flanders | 61 m² | 1 · 61 m² | 12.8 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 649 EUR awarded · 649 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 649 EUR | 649 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesKortrijk2.155.239.040
Kortrijk2.186.190.453
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POENSGEN ET FILS
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Lontzen · Eq €2.24M
Of 450 companies in sector 46360 we hold annual accounts for 284. 124 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2006
Fiscal year end30-06
Activities, NACEBEL
46360Wholesale trade
47242Retail sale of chocolate and confectionery
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.