CHRISLO
ActiveSummary
CHRISLO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293k and a net result of €16k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+2
Solvency78▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.75 in 2024; short-term debt: 38.3% and cash: 27.6% of total assets), and 46.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.2%
Return on assets
3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
29 d early
2023
84 d early
2022
67 d early
2021
67 d early
2020
44 d early
2019
45 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€293k▲ 5.9%
2024 · €277k
2018: €223k
2019: €230k
2020: €250k
2021: €250k
2022: €270k
2023: €273k
2024: €277k
2018 → 2025
Total assets
€551k▼ 3.1%
2024 · €569k
2018: €543k
2019: €539k
2020: €523k
2021: €509k
2022: €521k
2023: €597k
2024: €569k
2018 → 2025
Net result
€16k▲ 315%
2024 · €4k
2018: €844
2019: €7k
2020: €20k
2021: €-280
2022: €20k
2023: €3k
2024: €4k
2018 → 2025
Working capital
€-29k▲ 41.8%
2024 · €-50k
2018: €41k
2019: €37k
2020: €54k
2021: €47k
2022: €45k
2023: €-55k
2024: €-50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€250k-€270k▲ 8.0%€273k▲ 1.1%€277k▲ 1.4%€293k▲ 5.9%
Operating result€9k-€38k▲ 334%€14k▼ 64.2%€19k▲ 40.0%€37k▲ 95.8%
Net result€-280-€20k€3k▼ 85.4%€4k▲ 35.3%€16k▲ 315%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 96% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €551k
Fixed assets
€369k ▼ 11.6%
Current assets
€182k ▲ 20.4%
Equity and liabilities €551k
Equity
€293k ▲ 5.9%
Provisions
€18k ▼ 3.0%
Debt
€240k ▼ 12.3%
Debt's share of the balance-sheet total falls from 48.0% to 43.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €74k
Cash flow
€70k▲
2024 · €59k
Current ratio
0.86▲
2024 · 0.75
Quick ratio
0.81▲
2024 · 0.70
Debt to equity
0.82▼
2024 · 0.99
ROE
5.6%▲
2024 · 1.4%
ROA
3.0%▲
2024 · 0.7%
Interest coverage
9.31▲
2024 · 6.20
Debt ≤ 1 year
€211k▲
2024 · €201k
Debt > 1 year
€29k▼
2024 · €72k
Income taxes
€12k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€569k€551k▼
Fixed assets21/28€418k€369k▼
Tangible fixed assets22/27€417k€369k▼
Land and buildings22€335k€313k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€79k€53k▼
Financial fixed assets28€110€110=
Current assets29/58€151k€182k▲
Stocks and contracts in progress3€10k€11k▲
Stocks30/36€10k€11k▲
Amounts receivable within one year40/41€11k€14k▲
Trade receivables40€11k€13k▲
Other amounts receivable41€571€571=
Cash at bank and in hand54/58€124k€152k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€569k€551k▼
Equity10/15€277k€293k▲
Contributions10/11€75k€75k=
Revaluation surpluses12€53k€53k=
Reserves13€149k€165k▲
Tax-exempt reserves132€12k€11k▼
Distributable reserves133€137k€154k▲
Provisions and deferred taxes16€19k€18k▼
Provisions for liabilities and charges160/5€13k€13k=
Pensions and similar obligations160€13k€13k=
Deferred taxes168€6k€6k▼
Amounts payable17/49€273k€240k▼
Amounts payable after more than one year17€72k€29k▼
Financial debts170/4€72k€29k▼
Amounts payable within one year42/48€201k€211k▲
Current portion of amounts payable after more than one year42€43k€43k▲
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Taxes, remuneration and social security45€25k€32k▲
Taxes450/3€25k€32k▲
Other amounts payable47/48€118k€122k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€54k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€77k€94k▲
Operating profit (loss)9901€19k€37k▲
Financial income75/76B€656€163▼
Recurring financial income75€656€163▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€8k€28k▲
Transfer from deferred taxes780€553€553=
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€4k€16k▲
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€5k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€17k▲
Transfer to equity691/2€5k€17k▲
To other reserves6921€5k€17k▲
The notes to these accounts (13 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-280 ▼101%
Net result drops to €-280, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €20k ▲177%
Net result €20k, the highest in the series.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
11-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Alken · 1 establishment unit since 1995
Ground area
8,955 m²
Building footprint
6,423 m²
Volume, LiDAR
31,354 m³
Parcel 73302C0113/00M000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Banden Carlo
since 19952.071.202.693
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302C0113/00M000 | Flanders | 8,955 m² | 1 · 6,423 m² | 7.8 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.
Similar companies · same sector, comparable size
RECTIPIECES
BE 0455.813.589
Florennes · Eq €294,319
PM SPARE PARTS
BE 0776.509.348
Houthalen-Helchteren · Eq €294,419
WANDRE AUTO PIECES
BE 0869.500.872
Liège · Eq €294,693
ECOPARTS
BE 0715.418.352
Sint-Jans-Molenbeek · Eq €289,471
ATLAS PNEUS
BE 0820.873.386
Anderlecht · Eq €298,401
Of 2,445 companies in sector 47820 we hold annual accounts for 778. 533 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.