CHRISCO
ActiveCHRISCO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-6k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 4564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+42
Solvency89▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 2.72 in 2024; short-term debt: 18.4% and cash: 15.7% of total assets), and 36.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
63.9%
Return on assets
-5.5%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-6k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
17 d early
2023
33 d early
2022
40 d early
2021
28 d early
2020
20 d early
2019
52 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 7.9%
2024 · €74k
2019: €-4k
2020: €-12k
2021: €17k
2022: €67k
2023: €86k
2024: €74k
2019 → 2025
Total assets
€106k▼ 16.7%
2024 · €127k
2019: €194k
2020: €53k
2021: €38k
2022: €94k
2023: €98k
2024: €127k
2019 → 2025
Net result
€-6k▲ 50.5%
2024 · €-12k
2019: €13k
2020: €-8k
2021: €29k
2022: €50k
2023: €19k
2024: €-12k
2019 → 2025
Working capital
€36k▼ 20.0%
2024 · €45k
2019: €-25k
2020: €-13k
2021: €18k
2022: €55k
2023: €76k
2024: €45k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€67k▲ 296%€86k▲ 27.8%€74k▼ 13.8%€68k▼ 7.9%
Operating result€39k-€62k▲ 60.0%€28k▼ 54.2%€-8k€-3k▲ 59.8%
Net result€29k-€50k▲ 73.1%€19k▼ 62.8%€-12k€-6k▲ 50.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€50k▼ 9.3%
Current assets
€56k▼ 22.3%
Equity and liabilities €106k
Equity
€68k▼ 7.9%
Debt
€38k▼ 28.6%
The debt ratio falls from 42.1% to 36.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €540
Cash flow
€9k▲
2024 · €-3k
Solvency
63.9%▲
2024 · 57.9%
Current ratio
2.86▲
2024 · 2.72
Quick ratio
2.86▲
2024 · 2.72
Debt / equity
0.56▼
2024 · 0.73
ROE
-8.6%▲
2024 · -16.1%
ROA
-5.5%▲
2024 · -9.3%
Interest coverage
4.55▲
2024 · 0.14
Debt
€38k▼
2024 · €54k
Debt ≤ 1 year
€20k▼
2024 · €26k
Debt > 1 year
€19k▼
2024 · €25k
Income taxes
€143▲
2024 · €65
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€127k€106k▼
Formation expenses20€0€0=
Fixed assets21/28€56k€50k▼
Tangible fixed assets22/27€55k€50k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€6k€13k▲
Leasing and similar rights25€44k€34k▼
Financial fixed assets28€135€135=
Current assets29/58€72k€56k▼
Amounts receivable within one year40/41€25k€33k▲
Trade receivables40€25k€32k▲
Other amounts receivable41€88€383▲
Cash at bank and in hand54/58€44k€17k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€127k€106k▼
Equity10/15€74k€68k▼
Contributions10/11€62k€62k=
Profit (loss) carried forward14€12k€6k▼
Amounts payable17/49€54k€38k▼
Amounts payable after more than one year17€25k€19k▼
Financial debts170/4€25k€19k▼
Amounts payable within one year42/48€26k€20k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€5k€916▼
Remuneration and social security454/9€6k€7k▲
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€3k€13k▲
Operating profit (loss)9901€-8k€-3k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-12k€-6k▲
Income taxes67/77€65€143▲
Profit (loss) for the period9904€-12k€-6k▲
Profit (loss) for the period to be appropriated9905€-12k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€6k▼
Profit (loss) brought forward from the previous period14P€24k€12k▼
The notes to these accounts (9 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-12k ▼164%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 8.96
Current ratio from 3.05 to 8.96; short-term debt falls from €27k to €9k.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €50k ▲73.1%
Operating result €62k, net result €50k, both a record.
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.92
Current ratio from 0.80 to 1.92; short-term debt falls from €65k to €19k.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 112 days late
2018
20-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 174 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Riemst · 1 establishment unit since 2007
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.
Verbindingsweg 503770 RiemstGround area
2,066 m²
Building footprint
187 m²
Volume, LiDAR
938 m³
Parcel 73086C0283/00A000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chrisco
since 20072.165.337.334
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73086C0283/00A000 | Flanders | 2,066 m² | 1 · 186 m² | 7.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 61 EUR awarded · 61 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 61 EUR |
| 2022 | 1 | 61 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,607 companies in sector 49410 we hold annual accounts for 8,196. 6,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2007
Fiscal year end30-06
Activities, NACEBEL
49410Freight transport by road
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.