ChristalLK
ActiveSummary
The computed 12-month bankruptcy probability of ChristalLK is 1.9% (moderate). The 2025 annual accounts show equity of €8,947 and a net result of €6,330. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 18626 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+22
Solvency61▲+20
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.9 in 2024; short-term debt: 52.3% and cash: 18.9% of total assets), but 64.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €8,947
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
19 d late
2023
6 d late
2022
203 d late
2021
102 d late
← 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 72 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 28 August (4 of the last 5 filed years within 74 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6,330▲ 187%
2024 · €2,208
Working capital
€10,001▲ 29.4%
2024 · €7,727
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
Line20212022202320242025
Operating result-€800--€3,669▼ 359%€1,107€5,046▲ 356%€11,439▲ 127%
Net result-€821below the sector's middle half--€3,826within the sector's middle half▼ 366%€56within the sector's middle half€2,208within the sector's middle half▲ 3,853%€6,330within the sector's middle half▲ 187%
Equity€4,179below the sector's middle half-€352below the sector's middle half▼ 91.6%€408below the sector's middle half▲ 16.0%€2,617within the sector's middle half▲ 541%€8,947within the sector's middle half▲ 242%
Total assets€6,562below the sector's middle half-€3,717below the sector's middle half▼ 43.4%€16,242below the sector's middle half▲ 337%€16,328below the sector's middle half▲ 0.5%€25,170below the sector's middle half▲ 54.2%
Debt€2,383-€3,365▲ 41.2%€15,834▲ 371%€13,712▼ 13.4%€16,224▲ 18.3%
Working capital€4,179within the sector's middle half-€352within the sector's middle half▼ 91.6%€7,478within the sector's middle half▲ 2,025%€7,727within the sector's middle half▲ 3.3%€10,001within the sector's middle half▲ 29.4%
Solvency63.7%above the sector's middle half-2.5%below the sector's middle half16.0%within the sector's middle half▲ 13.5pp35.5%within the sector's middle half▲ 19.5pp
Current ratio2.75above the sector's middle half-1.85within the sector's middle half1.90within the sector's middle half▲ 0.051.76within the sector's middle half▼ 0.14
Return on assets (ROA)-12.5%below the sector's middle half-0.3%within the sector's middle half13.5%above the sector's middle half▲ 13.2pp25.1%above the sector's middle half▲ 11.6pp
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.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 127% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,170
Fixed assets
€2,007
Current assets
€23,163
Equity and liabilities €25,170
Equity
€8,947 ▲ 242%
Debt
€16,224 ▲ 18.3%
Debt's share of the balance-sheet total falls from 84.0% to 64.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12,063
Cash flow
€6,954
Quick ratio
0.83▼
2024 · 1.46
Debt to equity
1.81▼
2024 · 5.24
ROE
70.8%▼
2024 · 84.4%
Interest coverage
5.16
Debt ≤ 1 year
€13,161▲
2024 · €8,601
Debt > 1 year
€3,062▼
2024 · €5,111
Income taxes
€3,028▲
2024 · €711
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% 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
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 26,975 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €624 | - |
| Other operating charges640/8 | - | - | €89 | €2,182 | €134 | ▼ 93.9% |
| Gross operating margin9900 | -€800 | -€3,669 | €1,196 | €7,229 | €12,197 | ▲ 68.7% |
| Operating profit (loss)9901 | -€800 | -€3,669 | €1,107 | €5,046 | €11,439 | ▲ 127% |
| Financial income75/76B | €4 | €25 | €146 | €169 | €255 | ▲ 50.6% |
| Recurring financial income75 | €4 | €25 | €146 | €169 | €255 | ▲ 50.6% |
| Financial charges65/66B | €25 | €182 | €1,197 | €2,296 | €2,336 | ▲ 1.8% |
| Recurring financial charges65 | €25 | €182 | €1,197 | €2,296 | €2,336 | ▲ 1.8% |
| Profit (loss) for the period before taxes9903 | -€821 | -€3,826 | €56 | €2,920 | €9,358 | ▲ 221% |
| Income taxes67/77 | - | - | - | €711 | €3,028 | ▲ 326% |
| Profit (loss) for the period9904 | -€821 | -€3,826 | €56 | €2,208 | €6,330 | ▲ 187% |
| Profit (loss) for the period to be appropriated9905 | -€821 | -€3,826 | €56 | €2,208 | €6,330 | ▲ 187% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6,562 | €3,717 | €16,242 | €16,328 | €25,170 | ▲ 54.2% |
| Fixed assets21/28 | - | - | - | - | €2,007 | - |
| Tangible fixed assets22/27 | - | - | - | - | €2,007 | - |
| Furniture and vehicles24 | - | - | - | - | €2,007 | - |
| Current assets29/58 | €6,562 | €3,717 | €16,242 | €16,328 | €23,163 | ▲ 41.9% |
| Stocks and contracts in progress3 | - | €863 | €8,392 | €3,773 | €12,272 | ▲ 225% |
| Stocks30/36 | - | €863 | €8,392 | €3,773 | €12,272 | ▲ 225% |
| Amounts receivable within one year40/41 | €3,631 | €1,660 | €3,591 | €6,311 | €5,924 | ▼ 6.1% |
| Trade receivables40 | €2,714 | €100 | €883 | €3,654 | €167 | ▼ 95.4% |
| Other amounts receivable41 | €917 | €1,560 | €2,709 | €2,656 | €5,757 | ▲ 117% |
| Cash at bank and in hand54/58 | €2,931 | €1,194 | €4,113 | €6,054 | €4,754 | ▼ 21.5% |
| Deferred charges and accrued income490/1 | - | - | €146 | €191 | €213 | ▲ 11.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6,562 | €3,717 | €16,242 | €16,328 | €25,170 | ▲ 54.2% |
| Equity10/15 | €4,179 | €352 | €408 | €2,617 | €8,947 | ▲ 242% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Capital10 | €5,000 | - | - | - | - | - |
| Issued capital100 | €5,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€821 | -€4,648 | -€4,592 | -€2,383 | €3,947 | ▲ 266% |
| Amounts payable17/49 | €2,383 | €3,365 | €15,834 | €13,712 | €16,224 | ▲ 18.3% |
| Amounts payable after more than one year17 | - | - | €7,070 | €5,111 | €3,062 | ▼ 40.1% |
| Financial debts170/4 | - | - | €7,070 | €5,111 | €3,062 | ▼ 40.1% |
| Amounts payable within one year42/48 | €2,383 | €3,365 | €8,764 | €8,601 | €13,161 | ▲ 53.0% |
| Current portion of amounts payable after more than one year42 | - | - | €1,874 | €1,959 | €2,048 | ▲ 4.5% |
| Trade debts44 | €92 | - | €5,495 | €3,014 | €5,162 | ▲ 71.3% |
| Suppliers440/4 | €92 | - | €5,495 | €3,014 | €5,162 | ▲ 71.3% |
| Taxes, remuneration and social security45 | - | €18 | €1,394 | €3,627 | €5,951 | ▲ 64.0% |
| Taxes450/3 | - | €18 | €1,394 | €3,627 | €5,951 | ▲ 64.0% |
| Other amounts payable47/48 | €2,291 | €3,347 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€821 | -€3,826 | €56 | €2,208 | €6,330 | ▲ 187% |
| + Depreciation and write-downs630 | - | - | - | - | €624 | - |
| Operating cash flow (approximation) | -€821 | -€3,826 | €56 | €2,208 | €6,954 | ▲ 215% |
| Change in cash | - | -€1,737 | €2,919 | €1,941 | -€1,300 | ▼ 167% |
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
22-06
State Gazette act
Registered officeRegistered-office move3 facts ▸
State Gazette act
Registered office
Registered-office move3 facts ▸
- Board meeting, 10-02-2026
- Registered-office move, 11,rue du Pont-Margot,6820 Habay-la-Neuve
- Other statement, effet du transfert de siège sur statuts
2025
31-12
Financial
Highest result since 2021net €6,330 ▲187%
Operating result €11,439, net result €6,330, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 203 days late
2023
31-12
Financial
Back to profitnet €56
Net result €56 after 2 loss-making years.
2022
31-12
Financial
Weakest financial yearnet -€3,826
Net result drops to -€3,826, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 102 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Habay · 1 establishment unit since 2021
Ground area
1,307 m²
Building footprint
177 m²
Volume, LiDAR
1,073 m³
Parcel 85014A0423/00D002, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Christal LK
since 20212.321.689.951
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85014A0423/00D002 | Wallonia | 1,307 m² | 1 · 177 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,955 companies in sector 47120 we hold annual accounts for 2,193. 1,195 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
Founded21-04-2021
Fiscal year end31-12
Abbreviation FR
CLK
Activities, NACEBEL 2025
47120Other non-specialised retail sale
85599Other education
Contact
E-mail
contact@christallk.com
Phone
0496107964
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766958313
Registered
02-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.