Chriphine
ActiveSummary
The computed 12-month bankruptcy probability of Chriphine is 1.8% (moderate). The 2024 annual accounts show equity of €110,299 and a net result of €26,893. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 26049 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability84▼-1
Solvency75▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.08 in 2023; short-term debt: 50.4% and cash: 45.1% of total assets), and 50.4% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
18 d late
2023
22 d early
2022
30 d early
2021
16 d early
2020
13 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 13 days before 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
Equity
€110,299▲ 3.1%
2023 · €106,935
Total assets
€222,531▼ 11.5%
2023 · €251,558
Net result
€26,893▼ 18.4%
2023 · €32,953
Working capital
€28,812▲ 162%
2023 · €11,006
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
Operating result-€1,376-€29,432€47,741▲ 62.2%€41,698▼ 12.7%€39,024▼ 6.4%
Net result-€2,467below the sector's middle half-€25,106above the sector's middle half€36,343above the sector's middle half▲ 44.8%€32,953above the sector's middle half▼ 9.3%€26,893above the sector's middle half▼ 18.4%
Equity€12,533within the sector's middle half-€37,639within the sector's middle half▲ 200%€73,982within the sector's middle half▲ 96.6%€106,935within the sector's middle half▲ 44.5%€110,299within the sector's middle half▲ 3.1%
Total assets€134,372within the sector's middle half-€153,991within the sector's middle half▲ 14.6%€201,273within the sector's middle half▲ 30.7%€251,558within the sector's middle half▲ 25.0%€222,531within the sector's middle half▼ 11.5%
Debt€121,839-€116,352▼ 4.5%€127,290▲ 9.4%€144,623▲ 13.6%€112,232▼ 22.4%
Working capital-€28,824below the sector's middle half--€29,453below the sector's middle half▼ 2.2%€14,648within the sector's middle half€11,006within the sector's middle half▼ 24.9%€28,812within the sector's middle half▲ 162%
Solvency9.3%within the sector's middle half-24.4%within the sector's middle half▲ 15.1pp36.8%within the sector's middle half▲ 12.3pp42.5%within the sector's middle half▲ 5.8pp49.6%within the sector's middle half▲ 7.1pp
Current ratio0.67below the sector's middle half-0.75below the sector's middle half▲ 0.071.12within the sector's middle half▲ 0.371.08within the sector's middle half▼ 0.041.26within the sector's middle half▲ 0.18
Return on assets (ROA)-1.8%below the sector's middle half-16.3%above the sector's middle half▲ 18.1pp18.1%above the sector's middle half▲ 1.8pp13.1%above the sector's middle half▼ 5.0pp12.1%within the sector's middle half▼ 1.0pp
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
The operating result has fallen two years in a row; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €222,531
Fixed assets
€81,487 ▼ 15.1%
Current assets
€141,044 ▼ 9.4%
Equity and liabilities €222,531
Equity
€110,299 ▲ 3.1%
Debt
€112,232 ▼ 22.4%
Debt's share of the balance-sheet total falls from 57.5% to 50.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57,856▼
2023 · €58,763
Cash flow
€45,725▼
2023 · €50,017
Quick ratio
0.96▲
2023 · 0.84
Debt to equity
1.02▼
2023 · 1.35
ROE
24.4%▼
2023 · 30.8%
Interest coverage
11.75▼
2023 · 106.80
Debt ≤ 1 year
€112,232▼
2023 · €144,623
Income taxes
€8,191▼
2023 · €8,253
Staff costs
€0▼
2023 · €968
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 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 1.8% 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 497,662 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% | 1.7% |
| 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 75% 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 26,970 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 | - | - | - | €968 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,171 | €7,758 | €7,758 | €17,064 | €18,832 | ▲ 10.4% |
| Other operating charges640/8 | - | €162 | €45 | €384 | €492 | ▲ 28.0% |
| Gross operating margin9900 | €4,837 | €37,352 | €55,544 | €60,115 | €58,348 | ▼ 2.9% |
| Operating profit (loss)9901 | -€1,376 | €29,432 | €47,741 | €41,698 | €39,024 | ▼ 6.4% |
| Financial income75/76B | - | €52 | €98 | €58 | €986 | ▲ 1,599% |
| Recurring financial income75 | €5 | €52 | €98 | €58 | €986 | ▲ 1,599% |
| Financial charges65/66B | - | €1,392 | €2,410 | €550 | €4,925 | ▲ 795% |
| Recurring financial charges65 | €1,096 | €1,392 | €2,410 | €550 | €4,925 | ▲ 795% |
| Profit (loss) for the period before taxes9903 | -€2,467 | €28,092 | €45,429 | €41,206 | €35,084 | ▼ 14.9% |
| Income taxes67/77 | - | €2,986 | €9,086 | €8,253 | €8,191 | ▼ 0.8% |
| Profit (loss) for the period9904 | -€2,467 | €25,106 | €36,343 | €32,953 | €26,893 | ▼ 18.4% |
| Profit (loss) for the period to be appropriated9905 | -€2,467 | €25,106 | €36,343 | €32,953 | €26,893 | ▼ 18.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €134,372 | €153,991 | €201,273 | €251,558 | €222,531 | ▼ 11.5% |
| Fixed assets21/28 | €74,850 | €67,092 | €59,334 | €95,929 | €81,487 | ▼ 15.1% |
| Intangible fixed assets21 | €23,115 | €20,615 | €18,115 | €15,615 | €13,115 | ▼ 16.0% |
| Tangible fixed assets22/27 | €42,266 | €37,008 | €31,750 | €70,844 | €58,902 | ▼ 16.9% |
| Plant, machinery and equipment23 | - | €3,936 | €2,714 | €2,454 | €997 | ▼ 59.4% |
| Furniture and vehicles24 | - | €33,072 | €29,035 | €68,390 | €57,905 | ▼ 15.3% |
| Financial fixed assets28 | €9,470 | €9,470 | €9,470 | €9,470 | €9,470 | = |
| Current assets29/58 | €59,522 | €86,898 | €141,939 | €155,630 | €141,044 | ▼ 9.4% |
| Stocks and contracts in progress3 | €30,302 | €33,138 | €29,031 | €33,943 | €33,235 | ▼ 2.1% |
| Stocks30/36 | - | €33,138 | €29,031 | €33,943 | €33,235 | ▼ 2.1% |
| Amounts receivable within one year40/41 | €486 | €2,029 | €5,177 | €7,558 | €5,753 | ▼ 23.9% |
| Trade receivables40 | - | €1,656 | €541 | €144 | €1,390 | ▲ 863% |
| Other amounts receivable41 | - | €373 | €4,636 | €7,414 | €4,363 | ▼ 41.2% |
| Cash at bank and in hand54/58 | €27,897 | €50,899 | €107,731 | €113,950 | €100,331 | ▼ 12.0% |
| Deferred charges and accrued income490/1 | - | €832 | €0 | €178 | €1,726 | ▲ 867% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €134,372 | €153,991 | €201,273 | €251,558 | €222,531 | ▼ 11.5% |
| Equity10/15 | €12,533 | €37,639 | €73,982 | €106,935 | €110,299 | ▲ 3.1% |
| Contributions10/11 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Reserves13 | - | €22,639 | €58,982 | €91,935 | €95,299 | ▲ 3.7% |
| Distributable reserves133 | - | €22,639 | €58,982 | €91,935 | €95,299 | ▲ 3.7% |
| Profit (loss) carried forward14 | -€2,467 | - | - | - | €0 | - |
| Amounts payable17/49 | €121,839 | €116,352 | €127,290 | €144,623 | €112,232 | ▼ 22.4% |
| Amounts payable after more than one year17 | €33,493 | - | - | - | - | - |
| Amounts payable within one year42/48 | €88,346 | €116,352 | €127,290 | €144,623 | €112,232 | ▼ 22.4% |
| Trade debts44 | €12,917 | €11,138 | €13,470 | €17,242 | €24,500 | ▲ 42.1% |
| Suppliers440/4 | - | €11,138 | €13,470 | €17,242 | €24,500 | ▲ 42.1% |
| Taxes, remuneration and social security45 | - | €4,375 | €12,726 | €9,554 | €402 | ▼ 95.8% |
| Taxes450/3 | - | €4,375 | €12,726 | €9,554 | €402 | ▼ 95.8% |
| Other amounts payable47/48 | - | €100,839 | €101,095 | €117,828 | €87,330 | ▼ 25.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,467 | €25,106 | €36,343 | €32,953 | €26,893 | ▼ 18.4% |
| + Depreciation and write-downs630 | €6,171 | €7,758 | €7,758 | €17,064 | €18,832 | ▲ 10.4% |
| Operating cash flow (approximation) | €3,704 | €32,864 | €44,102 | €50,017 | €45,725 | ▼ 8.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€53,659 | -€4,390 | ▲ 91.8% |
| Change in cash | - | €23,002 | €56,831 | €6,220 | -€13,620 | ▼ 319% |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €106,935 ▲44.5%
3 profitable years in a row build equity to €106,935.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €36,343 ▲44.8%
Operating result €47,741, net result €36,343, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €25,106
Net result €25,106 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Pieters-Leeuw · 1 establishment unit since 2020
Ground area
751 m²
Building footprint
188 m²
Volume, LiDAR
1,198 m³
2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Boekhandel Vitesske
since 20202.298.706.196
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582D0151/00H000 | Flanders | 526 m² | 1 · 113 m² | 8.6 m · 2 fl. |
| 23582D0371/00G002 | Flanders | 225 m² | 1 · 76 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Pieters-Leeuw2.298.706.196
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Of 2,342 companies in sector 47621 we hold annual accounts for 1,246. 1,087 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
Founded30-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
E-invoicing
Reachable via Peppol
Peppol ID
0208:0742720288
Also
9925:BE0742720288
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.