CHOLET
ActiveSummary
The computed 12-month bankruptcy probability of CHOLET is 1.7% (moderate). The 2024 annual accounts show equity of €91,630 and a net result of €22,541. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 26040 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability82▲+4
Solvency67▲+7
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.22 against 2.24 in 2023; short-term debt: 10.2% and cash: 17.7% of total assets), but 57.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
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
42.4%
Return on assets
10.4%
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 02-06-2025, 59 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
14 d late
2022
61 d early
2021
31 d late
2020
27 d late
2019
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 3 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€328,843▼ 48.6%
2018 · €639,918
EBIT margin
-1.3%▼ 6.0pp
2018 · 4.7%
Net result
€22,541▲ 57.0%
2023 · €14,360
Working capital
€49,052▲ 5.0%
2023 · €46,713
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result€8,175€4,340▼ 46.9%€23,135▲ 433%€23,253▲ 0.5%€34,072▲ 46.5%
Net result€2,434within the sector's middle half€816within the sector's middle half▼ 66.5%€16,546within the sector's middle half▲ 1,927%€14,360within the sector's middle half▼ 13.2%€22,541above the sector's middle half▲ 57.0%
EBIT margin
Equity€24,966within the sector's middle half▲ 10.8%€25,782within the sector's middle half▲ 3.3%€54,728within the sector's middle half▲ 112%€69,088within the sector's middle half▲ 26.2%€91,630within the sector's middle half▲ 32.6%
Total assets€76,388within the sector's middle half▼ 7.8%€74,980within the sector's middle half▼ 1.8%€79,382within the sector's middle half▲ 5.9%€197,341within the sector's middle half▲ 149%€215,899within the sector's middle half▲ 9.4%
Debt€51,422▼ 14.8%€49,198▼ 4.3%€24,654▼ 49.9%€128,253▲ 420%€124,269▼ 3.1%
Working capital€13,517▲ 2,741%€24,729▲ 82.9%€54,098▲ 119%€46,713▼ 13.7%€49,052▲ 5.0%
Solvency32.7%within the sector's middle half▲ 5.5pp34.4%within the sector's middle half▲ 1.7pp68.9%above the sector's middle half▲ 34.6pp35.0%within the sector's middle half▼ 33.9pp42.4%within the sector's middle half▲ 7.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 47% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €215,899
Fixed assets
€144,727 ▲ 28.3%
Current assets
€71,172 ▼ 15.8%
Equity and liabilities €215,899
Equity
€91,630 ▲ 32.6%
Debt
€124,269 ▼ 3.1%
Debt's share of the balance-sheet total falls from 65.0% to 57.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,562▲
2023 · €24,505
Cash flow
€35,031▲
2023 · €15,613
Current ratio
3.22▲
2023 · 2.24
Quick ratio
2.08▲
2023 · 1.43
Debt to equity
1.36▼
2023 · 1.86
ROE
24.6%▲
2023 · 20.8%
ROA
10.4%▲
2023 · 7.3%
Interest coverage
7.40▲
2023 · 6.51
Debt ≤ 1 year
€22,121▼
2023 · €37,802
Debt > 1 year
€82,149▼
2023 · €90,451
Income taxes
€5,445▲
2023 · €5,130
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €2,187 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,058 | €10,926 | €422 | €1,252 | €12,490 | ▲ 897% |
| Other operating charges640/8 | - | €1,392 | €1,147 | €3,395 | €418 | ▼ 87.7% |
| Gross operating margin9900 | €31,342 | €18,845 | €24,704 | €27,900 | €46,980 | ▲ 68.4% |
| Operating profit (loss)9901 | €8,175 | €4,340 | €23,135 | €23,253 | €34,072 | ▲ 46.5% |
| Financial income75/76B | - | €46 | - | €5 | €202 | ▲ 3,990% |
| Recurring financial income75 | €20 | €46 | - | €5 | €202 | ▲ 3,990% |
| Financial charges65/66B | - | €844 | €905 | €3,767 | €6,289 | ▲ 66.9% |
| Recurring financial charges65 | €1,290 | €844 | €905 | €3,767 | €6,289 | ▲ 66.9% |
| Profit (loss) for the period before taxes9903 | €6,905 | €3,542 | €22,230 | €19,491 | €27,986 | ▲ 43.6% |
| Income taxes67/77 | €4,471 | €2,726 | €5,684 | €5,130 | €5,445 | ▲ 6.1% |
| Profit (loss) for the period9904 | €2,434 | €816 | €16,546 | €14,360 | €22,541 | ▲ 57.0% |
| Profit (loss) for the period to be appropriated9905 | €2,434 | €816 | €16,546 | €14,360 | €22,541 | ▲ 57.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €76,388 | €74,980 | €79,382 | €197,341 | €215,899 | ▲ 9.4% |
| Fixed assets21/28 | €11,448 | €1,053 | €630 | €112,826 | €144,727 | ▲ 28.3% |
| Tangible fixed assets22/27 | €11,348 | €423 | - | €112,196 | €144,727 | ▲ 29.0% |
| Land and buildings22 | - | - | - | €111,248 | €107,502 | ▼ 3.4% |
| Furniture and vehicles24 | - | - | - | €948 | €37,225 | ▲ 3,825% |
| Other tangible fixed assets26 | - | €423 | - | - | - | - |
| Financial fixed assets28 | €100 | €630 | €630 | €630 | - | - |
| Current assets29/58 | €64,940 | €73,927 | €78,752 | €84,515 | €71,172 | ▼ 15.8% |
| Stocks and contracts in progress3 | €15,784 | €24,163 | €28,065 | €30,330 | €25,179 | ▼ 17.0% |
| Stocks30/36 | - | €24,163 | €28,065 | €30,330 | €25,179 | ▼ 17.0% |
| Amounts receivable within one year40/41 | €10,574 | €7,885 | €7,225 | €4,975 | €7,826 | ▲ 57.3% |
| Trade receivables40 | - | €6,759 | €6,398 | €1,444 | €7,826 | ▲ 442% |
| Other amounts receivable41 | - | €1,126 | €828 | €3,531 | - | - |
| Cash at bank and in hand54/58 | €33,383 | €41,240 | €41,925 | €36,418 | €38,168 | ▲ 4.8% |
| Deferred charges and accrued income490/1 | - | €639 | €1,536 | €12,792 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €76,388 | €74,980 | €79,382 | €197,341 | €215,899 | ▲ 9.4% |
| Equity10/15 | €24,966 | €25,782 | €54,728 | €69,088 | €91,630 | ▲ 32.6% |
| Contributions10/11 | €6,200 | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €21,691 | €21,691 | €21,691 | €50,488 | €73,030 | ▲ 44.6% |
| Non-distributable reserves130/1 | - | €1,085 | €1,085 | €1,085 | €1,085 | = |
| Reserves not available under the articles1311 | - | €1,085 | €1,085 | €1,085 | €1,085 | = |
| Distributable reserves133 | - | €20,606 | €20,606 | €49,404 | €71,945 | ▲ 45.6% |
| Profit (loss) carried forward14 | -€2,925 | -€2,109 | €14,437 | - | - | - |
| Amounts payable17/49 | €51,422 | €49,198 | €24,654 | €128,253 | €124,269 | ▼ 3.1% |
| Amounts payable after more than one year17 | - | - | - | €90,451 | €82,149 | ▼ 9.2% |
| Financial debts170/4 | - | - | - | €90,451 | €82,149 | ▼ 9.2% |
| Amounts payable within one year42/48 | €51,422 | €49,198 | €24,654 | €37,802 | €22,121 | ▼ 41.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,908 | €8,302 | ▲ 5.0% |
| Trade debts44 | €23,678 | €23,439 | €15,163 | €18,667 | €5,067 | ▼ 72.9% |
| Suppliers440/4 | - | €23,439 | €15,163 | €18,667 | €5,067 | ▼ 72.9% |
| Taxes, remuneration and social security45 | - | €6,081 | €9,491 | €11,228 | €8,751 | ▼ 22.1% |
| Taxes450/3 | - | €6,081 | €9,491 | €11,228 | €8,751 | ▼ 22.1% |
| Remuneration and social security454/9 | - | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €19,678 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €20,000 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,434 | €816 | €16,546 | €14,360 | €22,541 | ▲ 57.0% |
| + Depreciation and write-downs630 | €11,058 | €10,926 | €422 | €1,252 | €12,490 | ▲ 897% |
| Operating cash flow (approximation) | €13,492 | €11,742 | €16,969 | €15,613 | €35,031 | ▲ 124% |
| Investment in fixed assets (approximation) | - | -€530 | €0 | -€113,448 | -€44,390 | ▲ 60.9% |
| Change in cash | - | €7,857 | €685 | -€5,508 | €1,750 | ▲ 132% |
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
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €22,541 ▲57%
Operating result €34,072, net result €22,541, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.19
Current ratio from 1.50 to 3.19; short-term debt falls from €49,198 to €24,654.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €2,434
Net result €2,434 after one loss-making year.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-12
Financial
Weakest financial yearnet -€5,359
Net result drops to -€5,359, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 2017
Ground area
233 m²
Building footprint
233 m²
Volume, LiDAR
3,642 m³
Parcel 21616A0176/00T000, Brussels · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Computer Square Uccle
since 20172.262.685.247
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0176/00T000 | Brussels | 233 m² | 1 · 233 m² | 19.0 m · 5 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.
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Of 3,223 companies in sector 47400 we hold annual accounts for 1,808. 1,456 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
Founded14-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
47793Retail sale of other second-hand goods, excluding clothing
Contact
E-mail
info@pc.beUkkel
Phone
023468666Ukkel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0672659168
Also
9925:BE0672659168
Registered
27-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.