CHRISTIM
ActiveThe computed 12-month bankruptcy probability of CHRISTIM is 2.4% (moderate). The 2025 annual accounts show negative equity (€-52k) and a net result of €-74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 3668 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-98
Solvency0▼-33
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 1.98 in 2024; short-term debt: 37.4% and cash: 13.3% of total assets), and equity is negative.
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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
-25.2%
Return on assets
-35.8%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-52k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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
40 d late
2024
76 d late
2023
138 d late
2022
245 d late
2021
31 d late
2020
121 d late
2019
153 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-52k
2024 · €22k
2018: €-16k
2019: €-1k
2020: €-87k
2021: €-26k
2022: €-76k
2023: €-43k
2024: €22k
2018 → 2025
Total assets
€206k▼ 25.6%
2024 · €277k
2018: €90k
2019: €103k
2020: €276k
2021: €363k
2022: €316k
2023: €289k
2024: €277k
2018 → 2025
Net result
€-74k
2024 · €65k
2018: €13k
2019: €15k
2020: €-86k
2021: €61k
2022: €-50k
2023: €33k
2024: €65k
2018 → 2025
Working capital
€-26k
2024 · €46k
2018: €-43k
2019: €-30k
2020: €-13k
2021: €47k
2022: €-32k
2023: €26k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-76k▼ 191%€-43k▲ 43.9%€22k€-52k
Operating result€71k-€-38k€43k€47k▲ 8.4%€-58k
Net result€61k-€-50k€33k€65k▲ 93.7%€-74k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €58k after €47k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€155k▼ 15.4%
Current assets
€51k▼ 45.7%
Key figures and ratios
EBITDA
€-22k▼
2024 · €81k
Cash flow
€-38k▼
2024 · €98k
Solvency
-25.2%▼
2024 · 7.9%
Current ratio
0.66▼
2024 · 1.98
Quick ratio
0.52▼
2024 · 1.82
Debt / equity
-4.97▼
2024 · 11.62
ROA
-35.8%▼
2024 · 23.3%
Interest coverage
-2.34▼
2024 · 12.48
Debt
€258k▲
2024 · €255k
Debt ≤ 1 year
€77k▲
2024 · €47k
Debt > 1 year
€181k▼
2024 · €207k
Income taxes
€10k▲
2024 · €365
Staff costs
€175k▲
2024 · €128k
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€277k€206k▼
Fixed assets21/28€183k€155k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€183k€153k▼
Plant, machinery and equipment23€105k€85k▼
Furniture and vehicles24€7k€7k▲
Other tangible fixed assets26€72k€61k▼
Current assets29/58€94k€51k▼
Stocks and contracts in progress3€8k€11k▲
Stocks30/36€8k€11k▲
Amounts receivable within one year40/41€39k€10k▼
Trade receivables40€32k€689▼
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€45k€27k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€277k€206k▼
Equity10/15€22k€-52k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€3k€-70k▼
Amounts payable17/49€255k€258k▲
Amounts payable after more than one year17€207k€181k▼
Financial debts170/4€207k€181k▼
Amounts payable within one year42/48€47k€77k▲
Current portion of amounts payable after more than one year42€29k€32k▲
Financial debts43€0€12▲
Credit institutions430/8-€12
Other loans439€0-
Trade debts44-€29k
Suppliers440/4-€29k
Taxes, remuneration and social security45€13k€17k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€10k€12k▲
Other amounts payable47/48€5k€0▼
Accrued charges and deferred income492/3€897€0▼
Income statement
Code20242025
Non-recurring operating income76A€22k€3k▼
Remuneration, social security and pensions62€128k€175k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€36k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€9k€2k▼
Gross operating margin9900€220k€156k▼
Operating profit (loss)9901€47k€-58k▼
Financial income75/76B€24k€3k▼
Recurring financial income75€24k€3k▼
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€65k€-64k▼
Income taxes67/77€365€10k▲
Profit (loss) for the period9904€65k€-74k▼
Profit (loss) for the period to be appropriated9905€65k€-74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-70k▼
Profit (loss) brought forward from the previous period14P€-61k€3k▲
Social balance
Average headcount (FTE)90872.73.1▲
The notes to these accounts (17 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 40 days late
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 76 days late
2024
31-12
Financial
Highest result since 2018net €65k ▲93.7%
Net result €65k, the highest in the series.
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 138 days late
01-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 245 days late
2023
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
31-12
Financial
Weakest financial yearnet €-86k ▼671%
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
19-07
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.
Directors · office · real estate
Directors
3 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, Schilde · 1 establishment unit since 2014
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.
Kasteeldreef 22970 SchildeGround area
649 m²
Building footprint
295 m²
Volume, LiDAR
1,148 m³
Parcel 11922C0106/00G002, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kasteeldreef 2, 2970 Schilde
since 20142.228.876.391
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0106/00G002 | Flanders | 649 m² | 1 · 295 m² | 9.4 m · 1 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
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchilde2.228.876.391
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-01-2014
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.