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CHUM

Active
Private limited company (pre-2019)founded 198144 yrs activeWaterwildlaan 7, 1170 Watermaal-Bosvoorde, BelgiumKBO/BCE: BE 0422.176.761
Summary

CHUM has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€22,390) and a net result of €591. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
CHUMActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
#8 oldest company in Watermaal-Bosvoorde, Professional and technical services sector1 site
Size
€2,601total assets 2025
Equity
-€22,390
Profit
€591
Turnover not published (abridged schema)
Financial health
54 Fair Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
1
Accounts filed 25 d late0 of 6 deeds read
Why 54Capped at 59: negative equity- Negative equity -€22,390+ Size: total assets €2,601+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Figures for FY 2025 (filed 25-08-2026)Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 32% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -861.0% of total assets
Liquidity 27-7
short-term debt 961.0% · cash 21.4%
Profitability 97+1
return on assets 22.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)
Last 19 months 04-2025: 0.1% 05-2025: 0.1%▼ -5.5% vs 04-2025 06-2025: 0.1%▲ +13.6% vs 05-2025 07-2025: 0.2%▲ +54.7% vs 06-2025 08-2025: 0.2%▲ +38.1% vs 07-2025 09-2025: 0.1%▼ -56.8% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▲ +2.8% vs 02-2026 04-2026: 0.1%▲ +7.2% vs 03-2026 05-2026: 0.1%▼ -5.0% vs 04-2026 06-2026: 0.1%▲ +13.3% vs 05-2026 07-2026: 0.2%▲ +32.0% vs 06-2026 08-2026: 0.3%▲ +64.5% vs 07-2026highest value 09-2026: 0.1%▼ -68.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €2,601 lowers the probability for this profile
  • Negative equity -€22,390 raises the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Figures for FY 2025 (filed 25-08-2026) lowers the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 3%, liquidity 11%, profitability 67%, growth against the median 46%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €2,601
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€22,390
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 25-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9508 sector peers (2025).
NBB · sector comparison
Position among 9508 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
21 d late
2023
26 d late
2022
29 d late
2021
26 d late
2020
26 d late
2019
25 d late
← 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 25 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 26 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet €591 ▼3.8%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€22,390 View
  • Caution: Among the weakest 5% on solvencysector median 52.6% · 9,508 companies -861.0% View
  • Positive: 8 profitable years in a rowprofit 2025: €591 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€2,601
Profit
€591
Solvency
-861.0%
Total assets▼ 6.8%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 21-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Business and other management consultancyNACE 70200
Founded
03-12-1981
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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