Skip to content

CHROMA PHOTO

Active
Private limited companyfounded 2018active for 8 yearsLouis Schmidtlaan 24, 1040 Etterbeek, Belgium105 active companies are registered at this addressKBO/BCE: BE 0697.934.103

From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of CHROMA PHOTO is 1.9% (moderate). The annual accounts of CHROMA PHOTO for financial year 2024 show a net loss of 69% of the equity at the start of that year. The 2024 annual accounts show equity of €8,664 and a net result of -€19,246. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 16% of 4,286 sector peers (NACE 74, financial year 2024). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 14-06-2018 Normal situation
Legal form
Private limited company
Registered office
Louis Schmidtlaan 24, 1040 Etterbeek
Activity
Photography, excluding press photography NACE 74201and 5 others
Establishment unit
2.276.946.128 1040 Etterbeek, since 01-07-2018
Financial year end
31 December
Peppol
Reachable since 08-12-2025

Board and ownership

Board

Financial position

52 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2024
Gross margin
€168,814
▲ 14.7%
Turnover
≈ €420,000
estimated
Loss
€19,246
▲ 231%
Equity
€8,664
▼ 69.0%
Total assets
€243,369
▼ 2.3%
Staff
8.9 FTE
▲ 2.3%
2025 accounts not filed, 93 days past the deadline
Filed on 30-09-2025PDF
Score breakdownraises riskFigures for financial year 2024 (filed on 30-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts lateFounded in 2018lowers riskSector: Other professional, scientific and technical activities (NACE 74)Show the evidence

Checked score

Score 2024
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 18% of micro companies in other professional activities (NACE 74)
Financial strength · tick: 2023
Weak
Solvency 29-7
equity 3.6% of total assets
Liquidity 46-4
short-term debt 84.4% · cash 33.9%
Profitability 9-23
return on assets -7.9%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,429 companies, NACE 74, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025lowest value 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.8%▲ +0.3 percentage points vs 07-2025 09-2025: 1.0%▲ +0.2 percentage points vs 08-2025 10-2025: 0.6%▼ -0.4 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.7%▲ +0.1 percentage points vs 01-2026 03-2026: 0.6%▼ -0.1 percentage points vs 02-2026 04-2026: 0.7%▲ +0.1 percentage points vs 03-2026 05-2026: 0.6%▼ -0.1 percentage points vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.5 percentage points vs 07-2026 09-2026: 1.2%▲ +0.1 percentage points vs 08-2026 10-2026: 1.9%▲ +0.7 percentage points vs 09-2026highest value
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.12 (1.17 in 2023), below the usual 1.5. Short-term debt is 84.4% and cash 33.9% of total assets. 96.4% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 74, micro). It does better than 17% of them on solvency, 29% on liquidity, 17% on profitability and 10% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Eight signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 30-09-2025)
NBB · annual accounts
lowers risk · Sector: Other professional, scientific and technical activities (NACE 74)
KBO
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2018
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
192021222324
2019 to 2024 · latest year -€19,246
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 4286 sector peers (2024).
NBB · sector comparison
Position among 4286 sector peers
Solvency
better than 16%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 6 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 61 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filings
Deviation from the deadline
2025
not filed
2024
61 days late
2023
79 days late
2022
23 days late
2021
4 days late
2020
51 days early
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 14 days after the deadline. In the sector (NACE 74), the median for financial year 2024 was 3 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 91% of companies in other professional activitiessector median €8,828 · 4,287 companies -€19,246 View
  • Caution: 2 loss-making years in a rowloss in financial year 2024 -€19,246 View

Documents

Annual accounts at the NBB

All 6 annual accounts

Articles and registers

Key facts about CHROMA PHOTO

What is the company number of CHROMA PHOTO?
The company number of CHROMA PHOTO is 0697.934.103. The VAT number is the same number with BE in front: BE 0697.934.103.
Where is CHROMA PHOTO based?
The registered office is at Louis Schmidtlaan 24, 1040 Etterbeek.Company details
What does CHROMA PHOTO do?
According to the KBO register, the main activity is photography, excluding press photography (NACE 74201).
What is the legal form of CHROMA PHOTO?
The legal form of CHROMA PHOTO is Private limited company (BV).
When was CHROMA PHOTO founded?
CHROMA PHOTO was founded on 14-06-2018.
Is CHROMA PHOTO still active?
Yes, CHROMA PHOTO is an active enterprise in the KBO register.
How many employees does CHROMA PHOTO have?
CHROMA PHOTO had an average of 8.9 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of CHROMA PHOTO?
The turnover in financial year 2024 is ≈ €420,000. This figure is estimated from the gross margin of €168,814 and 2,213 comparable companies of the same size. It probably lies between €280,000 and €650,000. It is a rough estimate.
Is CHROMA PHOTO profitable?
In financial year 2024, CHROMA PHOTO made a loss of €19,246.
Where can I find the annual accounts of CHROMA PHOTO?
CHROMA PHOTO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)

Comparable companies

These companies have the same main activity as CHROMA PHOTO: photography, excluding press photography (NACE 74201). They are comparable in size and age: total assets between €177,000 and €268,000, founded between 2014 and 2020.

CompanyTotal assetsGross margin
CHROMA PHOTO Etterbeek€243,369€168,814
KREW Collective Wevelgem€209,897€156,351
NOVANALYTICS Etterbeek€250,113€124,012
PICTRO DUMON Sint-Pieters-Woluwe€196,101€122,664
ACTIO CREATIS Elsene€176,728€134,493
ZOOM Atelier Lichtervelde€256,206€150,085
TenS Oud-Turnhout€268,000€249,069
Full comparison

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.