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CHRISTIER

Active
Private limited companyfounded 198937 yrs activeLeuvensesteenweg 811, 3071 Kortenberg, BelgiumKBO/BCE: BE 0438.195.223
Summary

CHRISTIER has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €841,081 and a net result of €23,188. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
CHRISTIERActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512NACE 52410
1 site
Size
€958,871total assets 2025
Equity
€841,081
Profit
€23,188
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 56 d early0 of 7 deeds read
Why 95- Sector Retail trade (NACE 47)+ Size: total assets €958,871+ Founded in 1989+ Equity €841,081 (87.7% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 87.7% of total assets
Liquidity 66-14
short-term debt 7.2% · cash 12.9%
Profitability 72-6
return on assets 2.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%▲ +3.2% vs 11-2024 01-2025: < 0.1%▼ -3.1% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%▲ +32.3% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%▲ +2.4% vs 01-2026 03-2026: < 0.1%▼ -7.1% vs 02-2026 04-2026: < 0.1%▲ +28.2% vs 03-2026highest value 05-2026: < 0.1%● 0.0% vs 04-2026highest value 06-2026: < 0.1%● 0.0% vs 05-2026highest value 07-2026: < 0.1%● 0.0% vs 06-2026highest value 08-2026: < 0.1%● 0.0% vs 07-2026highest value 09-2026: < 0.1%● 0.0% vs 08-2026highest value 10-2026: < 0.1%▼ -2.0% vs 09-2026
  • Size: total assets €958,871 lowers the probability for this profile
  • Founded in 1989 lowers the probability for this profile
  • Equity €841,081 (87.7% of total assets) lowers the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €75,000 at 30 days acceptable
Liquidity ample (current ratio 9.76 against 12.19 in 2024; short-term debt: 7.2% and cash: 12.9% of total assets), and 12.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 73%, profitability 55%, growth against the median 26%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €958,871
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €841,081 (87.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-03-2026, 56 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
56 d early
2024
48 d early
2023
64 d early
2022
59 d early
2021
56 d early
2020
56 d early
2019
51 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 56 days before 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 5 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet €23,188 ▼71.7%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Result fell in 2025from €81,840 to €23,188 ▼ 71.7% View
  • Positive: Among the best 5% on equitysector median €41,989 · 21,107 companies €841,081 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €23,188 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€958,871
Profit
€23,188
Solvency
87.7%
Total assets▼ 9.9%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 30-04-2027
  1. 05-03-2026Annual accounts filed
  2. 30-09-2025Weakest financial year
  3. 13-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of household textiles and beddingNACE 47512
Founded
28-08-1989
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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