CHROMWELL
ActiveSummary
CHROMWELL has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,149 and a net result of -€2,856. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 11693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability12▼-79
Solvency75▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.02 in 2024; short-term debt: 49.5% and cash: 0.1% of total assets), and 49.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
50.5%
Return on assets
-5.5%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 05-12-2025, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
32 d early
2023
94 d early
2022
85 d early
2021
76 d early
2020
87 d early
2019
88 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 78 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today. Usually files around 5 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-07-2026 close01-10-2026 today28-02-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€26,149▼ 9.8%
2024 · €29,005
Total assets
€51,807▼ 6.7%
2024 · €55,533
Net result
-€2,856
2024 · €9,806
Working capital
€26,149▼ 3.8%
2024 · €27,177
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,342€4,854▲ 262%€4,895▲ 0.8%€9,921▲ 103%-€2,011
Net result€1,229within the sector's middle half€4,744within the sector's middle half▲ 286%€4,634within the sector's middle half▼ 2.3%€9,806within the sector's middle half▲ 112%-€2,856within the sector's middle half
Equity€9,821within the sector's middle half▲ 5,007%€14,565within the sector's middle half▲ 48.3%€19,199within the sector's middle half▲ 31.8%€29,005within the sector's middle half▲ 51.1%€26,149within the sector's middle half▼ 9.8%
Total assets€19,305below the sector's middle half▼ 85.6%€36,011below the sector's middle half▲ 86.5%€53,979below the sector's middle half▲ 49.9%€55,533below the sector's middle half▲ 2.9%€51,807below the sector's middle half▼ 6.7%
Debt€9,484▼ 92.9%€21,446▲ 126%€34,779▲ 62.2%€26,527▼ 23.7%€25,658▼ 3.3%
Working capital€9,521within the sector's middle half€3,770within the sector's middle half▼ 60.4%€14,238within the sector's middle half▲ 278%€27,177within the sector's middle half▲ 90.9%€26,149within the sector's middle half▼ 3.8%
Solvency50.9%within the sector's middle half▲ 50.7pp40.4%within the sector's middle half▼ 10.4pp35.6%within the sector's middle half▼ 4.9pp52.2%within the sector's middle half▲ 16.7pp50.5%within the sector's middle half▼ 1.8pp
Current ratio2.00within the sector's middle half▲ 1.001.18within the sector's middle half▼ 0.831.43within the sector's middle half▲ 0.252.02within the sector's middle half▲ 0.602.02within the sector's middle half▼ 0.01
Return on assets (ROA)6.4%within the sector's middle half▲ 15.1pp13.2%above the sector's middle half▲ 6.8pp8.6%within the sector's middle half▼ 4.6pp17.7%above the sector's middle half▲ 9.1pp-5.5%below the sector's middle half▼ 23.2pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2,011 after €9,921 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €51,807
Equity
€26,149 ▼ 9.8%
Debt
€25,658 ▼ 3.3%
Debt's share of the balance-sheet total rises from 47.8% to 49.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€182▼
2024 · €14,255
Cash flow
-€1,028▼
2024 · €14,139
Debt to equity
0.98▲
2024 · 0.91
ROE
-10.9%▼
2024 · 33.8%
Interest coverage
-1.33▼
2024 · 123.69
Debt ≤ 1 year
€25,658▼
2024 · €26,527
Income taxes
€708
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.9%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2,505 | €4,333 | €4,333 | €1,828 | ▼ 57.8% |
| Other operating charges640/8 | - | €404 | €348 | €849 | €387 | ▼ 54.4% |
| Gross operating margin9900 | €1,690 | €7,763 | €9,575 | €15,103 | €205 | ▼ 98.6% |
| Operating profit (loss)9901 | €1,342 | €4,854 | €4,895 | €9,921 | -€2,011 | ▼ 120% |
| Financial charges65/66B | - | €110 | €260 | €115 | €137 | ▲ 18.9% |
| Recurring financial charges65 | €113 | €110 | €260 | €115 | €137 | ▲ 18.9% |
| Profit (loss) for the period before taxes9903 | €1,229 | €4,744 | €4,634 | €9,806 | -€2,148 | ▼ 122% |
| Income taxes67/77 | - | - | - | - | €708 | - |
| Profit (loss) for the period9904 | €1,229 | €4,744 | €4,634 | €9,806 | -€2,856 | ▼ 129% |
| Profit (loss) for the period to be appropriated9905 | €1,229 | €4,744 | €4,634 | €9,806 | -€2,856 | ▼ 129% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,305 | €36,011 | €53,979 | €55,533 | €51,807 | ▼ 6.7% |
| Fixed assets21/28 | €300 | €10,795 | €6,462 | €1,828 | - | - |
| Intangible fixed assets21 | - | €10,495 | €6,162 | €1,828 | - | - |
| Financial fixed assets28 | €300 | €300 | €300 | - | - | - |
| Current assets29/58 | €19,005 | €25,216 | €47,517 | €53,704 | €51,807 | ▼ 3.5% |
| Amounts receivable within one year40/41 | €6,128 | €25,158 | €47,453 | €53,655 | €51,780 | ▼ 3.5% |
| Trade receivables40 | - | - | €1 | €2,326 | €454 | ▼ 80.5% |
| Other amounts receivable41 | - | €25,158 | €47,452 | €51,329 | €51,325 | = |
| Cash at bank and in hand54/58 | €9,877 | €58 | €64 | €49 | €27 | ▼ 44.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,305 | €36,011 | €53,979 | €55,533 | €51,807 | ▼ 6.7% |
| Equity10/15 | €9,821 | €14,565 | €19,199 | €29,005 | €26,149 | ▼ 9.8% |
| Contributions10/11 | - | €14,600 | €14,600 | €14,600 | €14,600 | = |
| Outside capital11 | - | - | €14,600 | €14,600 | €14,600 | = |
| Other1109/19 | - | - | €14,600 | €14,600 | €14,600 | = |
| Reserves13 | €675 | €675 | €675 | €675 | €675 | = |
| Non-distributable reserves130/1 | - | €675 | €675 | €675 | €675 | = |
| Reserves not available under the articles1311 | - | €675 | €675 | €675 | €675 | = |
| Profit (loss) carried forward14 | -€5,454 | -€710 | €3,924 | €13,730 | €10,874 | ▼ 20.8% |
| Amounts payable17/49 | €9,484 | €21,446 | €34,779 | €26,527 | €25,658 | ▼ 3.3% |
| Amounts payable within one year42/48 | €9,484 | €21,446 | €33,279 | €26,527 | €25,658 | ▼ 3.3% |
| Trade debts44 | €2,481 | €2,733 | €10,953 | €6,244 | €1,079 | ▼ 82.7% |
| Suppliers440/4 | - | €2,733 | €10,953 | €6,244 | €1,079 | ▼ 82.7% |
| Other amounts payable47/48 | - | €18,713 | €22,327 | €20,283 | €24,579 | ▲ 21.2% |
| Accrued charges and deferred income492/3 | - | - | €1,500 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,229 | €4,744 | €4,634 | €9,806 | -€2,856 | ▼ 129% |
| + Depreciation and write-downs630 | - | €2,505 | €4,333 | €4,333 | €1,828 | ▼ 57.8% |
| Operating cash flow (approximation) | €1,229 | €7,249 | €8,967 | €14,139 | -€1,028 | ▼ 107% |
| Investment in fixed assets (approximation) | - | -€13,000 | €0 | €300 | - | - |
| Change in cash | - | -€9,819 | €6 | -€15 | -€22 | ▼ 42.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
Financial
Highest result since 2019net €9,806 ▲112%
Operating result €9,921, net result €9,806, both a record.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-07
Financial
Back to profitnet €1,229
Net result €1,229 after 2 loss-making years.
31-07
Financial
Liquidity doublescurrent ratio 2.00
Current ratio from 1.00 to 2.00; short-term debt falls from €133,731 to €9,484.
2020
03-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-07
Financial
Weakest financial yearnet -€11,661
Net result drops to -€11,661, the lowest in the series; recovery starts the following year.
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
16-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe · 1 establishment unit since 2015
Ground area
365 m²
Building footprint
118 m²
Volume, LiDAR
919 m³
Parcel 21684B0068/00M031, Brussels · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Gebroeders Legrainlaan 76, 1150 Sint-Pieters-Woluwe
since 20152.243.636.526
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0068/00M031 | Brussels | 365 m² | 1 · 118 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 797 companies in this sector we hold annual accounts for 452. 273 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded05-06-2015
Fiscal year end31-07
Activities, NACEBEL 2025
46450Wholesale of perfume and cosmetics
46389Wholesale of other food products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0631803263
Also
9925:BE0631803263
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.