Chocorette
ActiveThe computed 12-month bankruptcy probability of Chocorette is 2.1% (moderate). The 2025 annual accounts show equity of €149k and a net result of €15k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 1520 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability51▼-18
Solvency99▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.32 against 2.14 in 2024), and 36.2% 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
63.8%
Return on assets
6.6%
Age of the figures
8 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
11 d early
2024
118 d early
2023
1 d late
2022
32 d early
2021
31 d late
2020
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▲ 11.5%
2024 · €133k
2020: €68k
2021: €106k
2022: €108k
2023: €115k
2024: €133k
2020 → 2025
Total assets
€233k▲ 2.6%
2024 · €227k
2020: €173k
2021: €221k
2022: €189k
2023: €184k
2024: €227k
2020 → 2025
Net result
€15k▼ 17.4%
2024 · €19k
2020: €58k
2021: €38k
2022: €2k
2023: €6k
2024: €19k
2020 → 2025
Working capital
€93k▲ 13.7%
2024 · €82k
2020: €39k
2021: €67k
2022: €64k
2023: €63k
2024: €82k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€108k▲ 2.0%€115k▲ 5.8%€133k▲ 16.1%€149k▲ 11.5%
Operating result€52k-€3k▼ 93.8%€9k▲ 185%€27k▲ 197%€17k▼ 37.9%
Net result€38k-€2k▼ 94.4%€6k▲ 191%€19k▲ 193%€15k▼ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€70k▼ 4.7%
Current assets
€163k▲ 6.2%
Equity and liabilities €233k
Equity
€149k▲ 11.5%
Debt
€84k▼ 9.9%
The debt ratio falls from 41.3% to 36.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€48k▼
2024 · €57k
Cash flow
€46k▼
2024 · €48k
Solvency
63.8%▲
2024 · 58.7%
Current ratio
2.32▲
2024 · 2.14
Quick ratio
1.92▲
2024 · 1.55
Debt / equity
0.57▼
2024 · 0.70
ROE
10.3%▼
2024 · 13.9%
ROA
6.6%▼
2024 · 8.2%
Interest coverage
46.18▲
2024 · 41.47
Debt
€84k▼
2024 · €94k
Debt ≤ 1 year
€70k▼
2024 · €72k
Debt > 1 year
€14k▼
2024 · €22k
Income taxes
€6k▼
2024 · €7k
Staff costs
€144k▼
2024 · €152k
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€227k€233k▲
Fixed assets21/28€73k€70k▼
Tangible fixed assets22/27€69k€65k▼
Plant, machinery and equipment23€22k€31k▲
Furniture and vehicles24€33k€29k▼
Other tangible fixed assets26€14k€5k▼
Financial fixed assets28€5k€5k=
Current assets29/58€153k€163k▲
Stocks and contracts in progress3€42k€28k▼
Stocks30/36€42k€28k▼
Amounts receivable within one year40/41€6k€49k▲
Trade receivables40€4k€4k▲
Other amounts receivable41€3k€45k▲
Cash at bank and in hand54/58€105k€85k▼
Equity and liabilities
Total equity and liabilities10/49€227k€233k▲
Equity10/15€133k€149k▲
Contributions10/11€10k€10k=
Reserves13€103k€103k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14€20k€35k▲
Amounts payable17/49€94k€84k▼
Amounts payable after more than one year17€22k€14k▼
Financial debts170/4€22k€14k▼
Amounts payable within one year42/48€72k€70k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Trade debts44€22k€48k▲
Suppliers440/4€22k€48k▲
Taxes, remuneration and social security45€32k€12k▼
Taxes450/3€9k€0▼
Remuneration and social security454/9€23k€12k▼
Other amounts payable47/48€8k€3k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€152k€144k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€533€1k▲
Gross operating margin9900€209k€193k▼
Operating profit (loss)9901€27k€17k▼
Financial income75/76B€3€5k▲
Recurring financial income75€3€5k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€26k€21k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€19k€15k▼
Profit (loss) for the period to be appropriated9905€19k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€35k▲
Profit (loss) brought forward from the previous period14P€1k€20k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (11 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €2k ▼94.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €106k ▲56.6%
2 profitable years in a row build equity to €106k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · 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 directors, no change since 2023
Commv Yanne De Decker Chocolates
CurrentDirector · since 23-01-2023 · Legal entity · perm. rep.: Yanne De Decker
23-01-2023
Commv Yanne De Decker Chocolates: Appointed as Director
23-01-2023
De Decker Yanne: Resigned as Director
Location & real-estate footprint
Registered office, Aartselaar · 2 establishment units since 2019
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.
Kapellestraat 352630 AartselaarGround area
315 m²
Building footprint
431 m²
Volume, LiDAR
2,849 m³
2 parcels, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Chocorette
since 20192.296.079.080
Chocorette
since 20262.390.610.431
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001C0311/00D000 | Flanders | 186 m² | 1 · 189 m² | 13.4 m · 3 fl. |
| 11030A0394/00A003 | Flanders | 130 m² | 1 · 242 m² | 10.2 m · 1 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.
Similar companies · same sector, comparable size
Deduytschaever
BE 0740.989.532
Gent · Eq €149k
ATHENA
BE 0438.081.989
Roeselare · Eq €150k
CHOCOLATERIE MOLITOR
BE 0632.866.897
Wavre · Eq €147k
COLLECTIC
BE 0556.796.925
Ottignies-Louvain-la-Neuve · Eq €151k
TWOBROTHERS
BE 0840.593.783
Brugge · Eq €141k
Of 722 companies in sector 10820 we hold annual accounts for 349. 241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2019
Fiscal year end31-12
Activities, NACEBEL
10820Manufacture of cocoa, chocolate and sugar confectionery
10520Manufacture of food products
56220Contract catering and other food service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.