Christian Chéruy
ActiveChristian Chéruy has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.97M and a net result of €157k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-4
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 8.64 in 2023; short-term debt: 14.3% and cash: 9.2% of total assets), and 14.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
85.6%
Return on assets
6.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
180 d late
2022
2 d early
2021
1 d early
2020
2 d early
2019
1 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€157k▼ 24.6%
2023 · €208k
2018: €119k
2019: €306k
2020: €568k
2021: €-43k
2022: €50k
2023: €208k
2018 → 2024
Working capital
€765k▼ 14.7%
2023 · €896k
2018: €818k
2019: €925k
2020: €2.00M
2021: €1.41M
2022: €1.19M
2023: €896k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3.05M-€2.41M▼ 21.1%€2.14M▼ 11.2%€1.99M▼ 7.0%€1.97M▼ 1.2%
Operating result€829k-€-4k€81k€301k▲ 271%€225k▼ 25.1%
Net result€568k-€-43k€50k€208k▲ 315%€157k▼ 24.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 25% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.30M
Fixed assets
€1.20M▲ 9.6%
Current assets
€1.09M▲ 7.9%
Equity and liabilities €2.30M
Equity
€1.97M▼ 1.2%
Debt
€332k▲ 170%
The debt ratio rises from 5.8% to 14.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€279k▼
2023 · €355k
Cash flow
€210k▼
2023 · €262k
Solvency
85.6%▼
2023 · 94.2%
Current ratio
3.32▼
2023 · 8.64
Quick ratio
3.32▼
2023 · 8.64
Debt / equity
0.17▲
2023 · 0.06
ROE
8.0%▼
2023 · 10.4%
ROA
6.8%▼
2023 · 9.8%
Interest coverage
689.43▲
2023 · 460.76
Debt
€332k▲
2023 · €123k
Debt ≤ 1 year
€329k▲
2023 · €117k
Income taxes
€84k▼
2023 · €99k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.11M€2.30M▲
Fixed assets21/28€1.10M€1.20M▲
Tangible fixed assets22/27€917k€862k▼
Land and buildings22€888k€842k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€22k€14k▼
Financial fixed assets28€183k€343k▲
Current assets29/58€1.01M€1.09M▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€343k€377k▲
Trade receivables40€258k€137k▼
Other amounts receivable41€85k€240k▲
Current investments50/53€500k€500k=
Cash at bank and in hand54/58€169k€212k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€2.11M€2.30M▲
Equity10/15€1.99M€1.97M▼
Contributions10/11€12k€12k=
Reserves13€1.53M€1.51M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.53M€1.51M▼
Profit (loss) carried forward14€443k€443k=
Amounts payable17/49€123k€332k▲
Amounts payable within one year42/48€117k€329k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€109k€140k▲
Taxes450/3€109k€140k▲
Other amounts payable47/48-€181k
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€53k▼
Other operating charges640/8€5k€14k▲
Gross operating margin9900€359k€293k▼
Operating profit (loss)9901€301k€225k▼
Financial income75/76B€7k€15k▲
Recurring financial income75€7k€15k▲
Financial charges65/66B€770€404▼
Recurring financial charges65€770€404▼
Profit (loss) for the period before taxes9903€307k€241k▼
Income taxes67/77€99k€84k▼
Profit (loss) for the period9904€208k€157k▼
Profit (loss) for the period to be appropriated9905€208k€157k▼
Appropriation of the result
Profit (loss) to be appropriated9906€651k€600k▼
Profit (loss) brought forward from the previous period14P€443k€443k=
Transfer from equity791/2€358k€181k▼
Transfer to equity691/2€208k€157k▼
To other reserves6921€208k€157k▼
Profit to be distributed694/7€358k€181k▼
Return on contributions (dividend)694€358k€181k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 180 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-12
Financial
Weakest financial yearnet €-43k ▼108%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
30-12
Financial
Liquidity times 11current ratio 123.46
Current ratio from 11.76 to 123.46; short-term debt falls from €186k to €12k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-12
Financial
Highest result since 2018net €568k ▲85.6%
Operating result €829k, net result €568k, both a record.
30-12
Financial
Liquidity quadruplescurrent ratio 11.76
Current ratio from 3.03 to 11.76; short-term debt falls from €457k to €186k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 1 day late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
06-10
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
06-10
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lasne · 1 establishment unit since 1996
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.
Rue de la Kelle 61380 LasneGround area
3,729 m²
Building footprint
191 m²
Volume, LiDAR
1,151 m³
Parcel 25051E0069/00C000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Kelle 6, 1380 Lasne
since 19962.076.676.562
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051E0069/00C000 | Wallonia | 3,729 m² | 1 · 191 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.
Structure & network
Ownership & control
1 partyChristian ChéruyBE 0458.003.811
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 2,741 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-1996
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.