Chômière
ActiveFor the legal form of Chômière, Checked does not compute a bankruptcy probability. The 2025 annual accounts show equity of €25k and a net result of €-982. Equity is shrinking by ~21.6% per year across the filed fiscal years. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair▼ -7 vs 2024
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-10
Solvency34=
Growth58=
Track record100
Credit verdict
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.2 against 0.13 in 2024; short-term debt: 13.9% of total assets), and 91.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
113 d late
2023
83 d late
2022
205 d late
2021
145 d late
2020
68 d late
2019
433 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-982
2024 · €12k
2018: €-3k
2019: €-41k
2020: €-1k
2021: €-760
2022: €-76k
2023: €-3k
2024: €12k
2018 → 2025
Working capital
€-32k▼ 6.5%
2024 · €-30k
2018: €59k
2019: €-22k
2020: €-2k
2021: €-4k
2022: €-17k
2023: €-22k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€18k▼ 80.8%€15k▼ 17.1%€26k▲ 77.8%€25k▼ 3.7%
Operating result€14k-€12k▼ 15.7%€11k▼ 7.9%€21k▲ 94.8%€13k▼ 39.9%
Net result€-760-€-76k▼ 9,835%€-3k▲ 95.9%€12k€-982
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€285k▼ 5.9%
Current assets
€8k▲ 84.1%
Equity and liabilities €293k
Equity
€25k▼ 3.7%
Debt
€267k▼ 4.6%
The debt ratio falls from 91.4% to 91.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €36k
Cash flow
€14k▼
2024 · €27k
Solvency
8.7%▲
2024 · 8.6%
Current ratio
0.20▲
2024 · 0.13
Quick ratio
0.20▲
2024 · 0.13
Debt / equity
10.49▼
2024 · 10.59
ROE
-3.9%▼
2024 · 43.8%
ROA
-0.3%▼
2024 · 3.8%
Interest coverage
3.22▼
2024 · 3.78
Debt
€267k▼
2024 · €280k
Debt ≤ 1 year
€41k▲
2024 · €35k
Debt > 1 year
€227k▼
2024 · €245k
Income taxes
€5k
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€307k€293k▼
Fixed assets21/28€302k€285k▼
Tangible fixed assets22/27€296k€281k▼
Land and buildings22€296k€281k▼
Financial fixed assets28€6k€3k▼
Current assets29/58€4k€8k▲
Amounts receivable within one year40/41€4k€8k▲
Trade receivables40€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€307k€293k▼
Equity10/15€26k€25k▼
Contributions10/11€171k€134k▼
Profit (loss) carried forward14€-145k€-109k▲
Amounts payable17/49€280k€267k▼
Amounts payable after more than one year17€245k€227k▼
Financial debts170/4€245k€227k▼
Amounts payable within one year42/48€35k€41k▲
Current portion of amounts payable after more than one year42€18k€21k▲
Trade debts44€17k€15k▼
Bills of exchange payable441€17k€15k▼
Taxes, remuneration and social security45-€5k
Taxes450/3-€5k
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Other operating charges640/8€76€442▲
Gross operating margin9900€36k€28k▼
Operating profit (loss)9901€21k€13k▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€12k€4k▼
Income taxes67/77-€5k
Profit (loss) for the period9904€12k€-982▼
Profit (loss) for the period to be appropriated9905€12k€-982▼
Appropriation of the result
Profit (loss) to be appropriated9906€-145k€-146k▼
Profit (loss) brought forward from the previous period14P€-156k€-145k▲
Transfer from equity791/2-€37k
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 113 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 6 loss-making years.
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 83 days late
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 205 days late
2022
31-12
Financial
Weakest financial yearnet €-76k
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 145 days late
2021
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 68 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 433 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 799 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1164 days late
07-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1529 days late
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, Sainte-Ode
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.
Allée des Hêtres 96680 Sainte-OdeGround area
7,932 m²
Building footprint
337 m²
Volume, LiDAR
2,174 m³
Parcel 82029B0355/00S005, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82029B0355/00S005 | Wallonia | 7,932 m² | 1 · 337 m² | 10.5 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formBesloten vennootschap met beperkte aansprakelijkheid met een sociaal oogmerk
Founded19-03-2007
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.