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CHROME

Active
Private limited companyfounded 198640 years activeKustlaan 5, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0428.454.938
Summary

CHROME has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €538,496 and a net result of €64,000. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 48% of 9,656 sector peers (NACE 47, fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512Retail sale of women's outerwear NACE 47711
4 sites
Size
€1.5mtotal assets 2024
Staff
8.1 FTE
Equity
€538,496
Profit
€64,000
Turnover not published (abridged schema)
Financial health
66 Healthy Checked score 2024
Bankruptcy probabilitywithin 12 months
1.1%
Structure
Parent
MC AGENCY & CONSULTING · 100%
Holdings
1
Accounts 70 days overdue0 of 5 deeds read
Why 66raises riskFigures for FY 2024 (filed 02-09-2025)lowers riskFounded in 1986Liquidity: current ratio 1.56, cash €192,293Profit of €64,000 (FY 2024)Show the evidence

Checked score

Score 2024
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 49% of its sector peers (NACE 47, micro)
Financial strength · tick = 2023
Average
Solvency 62-4
equity 36.9% of total assets
Liquidity 40-2
short-term debt 52.6% · cash 13.2%
Profitability 61+57
return on assets 4.4%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,186 companies)
Last 24 months 11-2024: 2.2% 12-2024: 2.2%● unchanged vs 11-2024 01-2025: 2.2%● unchanged vs 12-2024 02-2025: 2.2%● unchanged vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 2.2%● unchanged vs 03-2025 05-2025: 2.2%● unchanged vs 04-2025 06-2025: 2.0%▼ -0.2 percentage points vs 05-2025 07-2025: 2.2%▲ +0.2 percentage points vs 06-2025 08-2025: 2.9%▲ +0.7 percentage points vs 07-2025highest value 09-2025: 2.9%● unchanged vs 08-2025 10-2025: 0.3%▼ -2.6 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026lowest value 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.4 percentage points vs 07-2026 09-2026: 0.8%▲ +0.1 percentage points vs 08-2026 10-2026: 1.1%▲ +0.3 percentage points vs 09-2026
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.76 in 2023; short-term debt: 52.6% and cash: 13.2% of total assets), but 63.1% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 52% on solvency, 37% on liquidity, 43% on profitability and 66% on growth.

The bankruptcy probability was computed on 08-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 02-09-2025)
NBB · annual accounts
lowers risk · Founded in 1986
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 1.56, cash €192,293
NBB · annual accounts
lowers risk · Profit of €64,000 (FY 2024)
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 filings
Deviation from the deadline
2025
not confirmed
2024
30 days late
2023
75 days late
2022
28 days late
2021
74 days early
2020
31 days late
2019
21 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 12 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · abbreviated…
  2. Back to profitnet €64,000
  3. Equity above €500,000equity €538,496 ▲13.5%

Key points

  • Positive: Back in profit in 2024after -€134,552 in 2023 €64,000 View
  • Caution: Accounts not fileddeadline was 31-07-2026 70 days late View
  • Controlled by MC AGENCY & CONSULTINGitself parent of 1 companies 100% View

By topic

Financials

Fiscal year
2024
Total assets
€1.5m
Profit
€64,000
Solvency
36.9%
Total assets▲ 26.5%
Net result
20182024
Go to Financials

Timeline

Events
45
Since
1987
  1. 14-10-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 28-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
4
Legal form
Private limited company
Activity
Retail sale of household textiles and beddingNACE 47512
Founded
27-01-1986
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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