CHRISTOPH
ActiveCHRISTOPH has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €652k and a net result of €72k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 86% of 64 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▲+52
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 18.82 against 16.19 in 2023; short-term debt: 5.3% and cash: 37.8% of total assets), and 15.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 03
Relative position
BE, all sectors
reference
Sector 03
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 2024Solvency, return and age of the figures
Solvency
84.6%
Return on assets
9.4%
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 02-09-2025, 33 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
33 d late
2023
43 d late
2022
60 d late
2021
29 d late
2020
66 d late
2019
104 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€652k▲ 12.5%
2023 · €580k
2018: €560k
2019: €641k
2020: €776k
2021: €563k
2022: €631k
2023: €580k
2018 → 2024
Total assets
€770k▲ 15.0%
2023 · €670k
2018: €611k
2019: €702k
2020: €904k
2021: €639k
2022: €733k
2023: €670k
2018 → 2024
Net result
€72k
2023 · €-52k
2018: €63k
2019: €81k
2020: €135k
2021: €67k
2022: €68k
2023: €-52k
2018 → 2024
Working capital
€727k▲ 16.6%
2023 · €624k
2018: €434k
2019: €548k
2020: €700k
2021: €531k
2022: €627k
2023: €624k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€776k-€563k▼ 27.4%€631k▲ 12.1%€580k▼ 8.2%€652k▲ 12.5%
Operating result€167k-€73k▼ 56.5%€81k▲ 10.8%€-69k€66k
Net result€135k-€67k▼ 50.1%€68k▲ 0.9%€-52k€72k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €66k after a loss of €69k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €770k
Fixed assets
€2k▼ 50.7%
Current assets
€768k▲ 15.5%
Equity and liabilities €770k
Equity
€652k▲ 12.5%
Debt
€118k▲ 31.5%
The debt ratio rises from 13.5% to 15.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2023 · €-50k
Cash flow
€75k▲
2023 · €-32k
Solvency
84.6%▼
2023 · 86.5%
Current ratio
18.82▲
2023 · 16.19
Quick ratio
18.82▲
2023 · 16.19
Debt / equity
0.18▲
2023 · 0.16
ROE
11.1%▲
2023 · -8.9%
ROA
9.4%▲
2023 · -7.7%
Debt
€118k▲
2023 · €90k
Debt ≤ 1 year
€41k▼
2023 · €41k
Income taxes
€9k▲
2023 · €-3k
Staff costs
€388k▲
2023 · €381k
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€670k€770k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€3k€240▼
Plant, machinery and equipment23€3k€240▼
Financial fixed assets28€2k€2k=
Current assets29/58€665k€768k▲
Amounts receivable within one year40/41€525k€477k▼
Other amounts receivable41€525k€477k▼
Cash at bank and in hand54/58€140k€291k▲
Equity and liabilities
Total equity and liabilities10/49€670k€770k▲
Equity10/15€580k€652k▲
Contributions10/11€465k€465k=
Reserves13€50k€50k=
Non-distributable reserves130/1€39k€39k=
Reserves not available under the articles1311€39k€39k=
Tax-exempt reserves132€11k€11k=
Profit (loss) carried forward14€65k€138k▲
Amounts payable17/49€90k€118k▲
Amounts payable within one year42/48€41k€41k▼
Taxes, remuneration and social security45€41k€41k▼
Taxes450/3€22k€9k▼
Remuneration and social security454/9€19k€31k▲
Accrued charges and deferred income492/3€49k€78k▲
Income statement
Code20232024
Remuneration, social security and pensions62€381k€388k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€2k▼
Gross operating margin9900€332k€457k▲
Operating profit (loss)9901€-69k€66k▲
Financial income75/76B€16k€15k▼
Recurring financial income75€16k€15k▼
Financial charges65/66B€2k-
Recurring financial charges65€2k-
Profit (loss) for the period before taxes9903€-55k€82k▲
Income taxes67/77€-3k€9k▲
Profit (loss) for the period9904€-52k€72k▲
Profit (loss) for the period to be appropriated9905€-52k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€138k▲
Profit (loss) brought forward from the previous period14P€117k€65k▼
Social balance
Average headcount (FTE)90875.05.0=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 33 days late
2024
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 43 days late
2023
31-12
Financial
Weakest financial yearnet €-52k ▼176%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 66 days late
2020
31-12
Financial
Highest result since 2018net €135k ▲66%
Operating result €167k, net result €135k, both a record.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 104 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 55 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 days late
Financial milestoneNBB 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, Kapellen · 1 establishment unit since 1997
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.
Antwerpsesteenweg 1442950 KapellenGround area
1,128 m²
Building footprint
243 m²
Volume, LiDAR
2,147 m³
Parcel 11902F0127/00M003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHRISTOPH BVBA
since 19972.046.360.696
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902F0127/00M003 | Flanders | 1,128 m² | 1 · 243 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKapellen (Antw.)2.046.360.696
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Of 104 companies in sector 03110 we hold annual accounts for 76. 67 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-12-1989
Fiscal year end31-12
Activities, NACEBEL
03110Fishing and aquaculture
05010
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.