CHP · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CHP is 1.2% (low). The 2024 annual accounts show equity of €68k and a net result of €14k. Equity is growing by ~20.2% per year across the filed fiscal years. The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-08-2025	30 d late	2025-00487730
31-12-2023	31-07-2024	30-08-2024	30 d late	2024-00432621
31-12-2022	31-07-2023	29-09-2023	60 d late	2023-00468432
31-12-2021	31-07-2022	01-08-2022	1 d late	2022-20264956
31-12-2020	31-07-2021	30-09-2021	61 d late	2021-70000359
31-12-2019	31-07-2020	20-08-2020	20 d late	2020-42800069
31-12-2018	31-07-2019	08-10-2019	69 d late	2019-69500485
31-12-2017	31-07-2018	17-08-2018	17 d late	2018-46700381
31-12-2016	31-07-2017	30-08-2017	30 d late	2017-53700498
31-12-2015	31-07-2016	26-08-2016	26 d late	2016-48700589

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2009, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.2% Low

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Long track record −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€14k-72.3%

Working capital€68k+0.5%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~41.1%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€43k

+25.9% 18-24

Net profit

€14k

-72.3% 18-24

Cash flow

€28k

+46.3% 18-24

Total assets

€120k

-5.8% 18-24

Equity

€68k

+0.5% 18-24

Working capital

€68k

+0.5% 18-24

Income taxes

€8k

-54.4% 18-24

Dividends

€13k

-55.2% 18-24

Debt

€52k

-12.9% 18-24

Debt ≤ 1y

€52k

-12.9% 18-24

Current ratio

2.31

+8.2% 18-24

Quick ratio

2.31

+8.2% 18-24

Solvency

56.6%

+6.7% 18-24

Debt / equity

0.77

-13.3% 18-24

ROE

20.3%

-72.4% 18-24

ROA

11.5%

-70.6% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€14k
Cash flow	-
Staff costs	-
Income taxes	€8k
Dividends	€13k
Total assets	€120k
Equity	€68k
Debt	€52k
of which ≤ 1y	€52k
of which > 1y	-
Working capital	€68k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.31
Quick ratio	2.31
Working capital ratio	56.6%
Solvency	56.6%
Debt / equity	0.77
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	11.5%
ROE	20.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €68k · 56.6% Debt €52k · 43.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€120k
Current assets	29/58	€120k
Amounts receivable within one year	40/41	€117k
Cash & bank	54/58	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€120k
Equity	10/15	€68k
Contributions / capital	10/11	€19k
Reserves	13	€49k
Accumulated profits (losses)	14	€354
Amounts payable	17/49	€52k
Amounts payable within one year	42/48	€52k
Trade debts payable within one year	44	€19k
Income statement
Gross operating margin	9900	€20k
Operating result	9901	€18k
Financial income	75	€4k
Financial charges	65	€1k
Result before taxes	9903	€21k
Income taxes	67/77	€8k
Net result for the period	9904	€14k
Result to be appropriated	9905	€14k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

85 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Current directors & mandates

HELSEN Cynthia Patricia Marguerite Henriette
Director
State Gazette act 24380224 (25-03-2024)

Current
25-03-2024 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Private limited company(610)
Incorporation	20-04-2009
Status	Active
Postal code	6200

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

CHP

Allée des Rossignols 16, 6200 ChâteletKleinhandel in medische en orthopedische artikelen

since 20092.180.329.178

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area268 m²

Buildings1

Building footprint59 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52502C0072/00Y032	Wallonia	268 m²	1 · 59 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

25-03-2024 HELSEN Cynthia Patricia Marguerite Henriette appointed as director Director changes

HELSEN Cynthia Patricia Marguerite Henriette, Bestuurder

Summary: v3.2

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 85

Profitability 100

Solvency 97

Growth 78

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

CHP

Registered office

Allée des Rossignols 16

6200 Châtelet, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.