CHUMAGRI
ActiveCHUMAGRI has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €-6k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 3099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-48
Solvency57▲+4
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.63 against 1.48 in 2024), but 72.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
27.8%
Return on assets
-2.9%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
29 d late
2023
54 d late
2022
21 d early
2021
68 d early
2020
47 d early
2019
95 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€96k▼ 17.5%
2018 · €117k
2018: €117k
2018 → 2019
EBIT margin
5.0%▲ 4.5pp
2018 · 0.5%
2018: 0.5%
2018 → 2019
Net result
€-6k
2024 · €6k
2018: €-1k
2019: €3k
2020: €8k
2021: €8k
2022: €-7k
2023: €-12k
2024: €6k
2018 → 2025
Working capital
€43k▲ 12.7%
2024 · €38k
2018: €10k
2019: €17k
2020: €16k
2021: €26k
2022: €9k
2023: €28k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€56k▼ 5.2%€56k▲ 0.1%€62k▲ 10.6%€56k▼ 9.5%
Operating result€10k-€-6k€12k€64k▲ 416%€44k▼ 31.6%
Net result€8k-€-7k€-12k▼ 66.5%€6k€-6k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€90k▼ 15.5%
Current assets
€111k▼ 5.5%
Equity and liabilities €201k
Equity
€56k▼ 9.5%
Debt
€145k▼ 10.5%
The debt ratio falls from 72.4% to 72.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€71k▼
2024 · €91k
Cash flow
€21k▼
2024 · €33k
Solvency
27.8%▲
2024 · 27.6%
Current ratio
1.63▲
2024 · 1.48
Quick ratio
1.53▲
2024 · 1.47
Debt / equity
2.59▼
2024 · 2.62
ROE
-10.6%▼
2024 · 9.6%
ROA
-2.9%▼
2024 · 2.6%
Interest coverage
1.42▼
2024 · 1.56
Debt
€145k▼
2024 · €162k
Debt ≤ 1 year
€68k▼
2024 · €79k
Debt > 1 year
€72k▼
2024 · €80k
Staff costs
€400▲
2024 · €387
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€224k€201k▼
Fixed assets21/28€107k€90k▼
Tangible fixed assets22/27€107k€90k▼
Furniture and vehicles24€107k€90k▼
Current assets29/58€117k€111k▼
Stocks and contracts in progress3€974€7k▲
Stocks30/36€974€7k▲
Amounts receivable within one year40/41€113k€96k▼
Trade receivables40€107k€82k▼
Other amounts receivable41€6k€13k▲
Current investments50/53€201€201▼
Cash at bank and in hand54/58€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€224k€201k▼
Equity10/15€62k€56k▼
Contributions10/11€29k€29k=
Reserves13€14k€11k▼
Tax-exempt reserves132€14k€11k▼
Profit (loss) carried forward14€19k€16k▼
Amounts payable17/49€162k€145k▼
Amounts payable after more than one year17€80k€72k▼
Financial debts170/4€72k€52k▼
Advances received on contracts in progress176€8k€20k▲
Amounts payable within one year42/48€79k€68k▼
Current portion of amounts payable after more than one year42€36k€34k▼
Trade debts44€43k€34k▼
Suppliers440/4€43k€34k▼
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€387€400▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k▲
Other operating charges640/8€370€308▼
Non-recurring operating charges66A€0-
Gross operating margin9900€92k€72k▼
Operating profit (loss)9901€64k€44k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€58k€50k▼
Recurring financial charges65€58k€50k▼
Profit (loss) for the period before taxes9903€6k€-6k▼
Profit (loss) for the period9904€6k€-6k▼
Transfer from tax-exempt reserves789€6k€4k▼
Profit (loss) for the period to be appropriated9905€12k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€16k▼
Profit (loss) brought forward from the previous period14P€7k€19k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 54 days late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €8k ▲11.2%
Net result €8k, the highest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
16-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2019
LABIE Jean-Mane: Resigned as Director
01-02-2019
NOTTEZ Thierry: Resigned as Director
08-03-2018
DUFRASNE Josse: Resigned as Director
08-03-2018
LABIE Elie: Resigned as Director
08-03-2018
Pierre Carton: Resigned as Director
31-12-2011
Bernard Anne-Marie: Resigned as Director
31-12-2011
Duquesne Edith: Resigned as Director
Location & real-estate footprint
Registered office, Chièvres · 1 establishment unit since 1992
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.
Rue du Moulin à Vent 27950 ChièvresGround area
2,064 m²
Building footprint
201 m²
Volume, LiDAR
1,052 m³
Parcel 51034A0129/00F000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHUMAGRI
since 19922.058.127.786
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51034A0129/00F000 | Wallonia | 2,064 m² | 1 · 201 m² | 6.7 m · 2 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.
Similar companies · same sector, comparable size
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SNEYERS
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HOLVOET-VANFLETEREN
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MANENSART SERVICES
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Of 4,668 companies in sector 01610 we hold annual accounts for 1,363. 974 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded03-07-1992
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
01610Support activities for crop production
01110Growing of cereals (except rice), leguminous crops and oil seeds
01410Raising of dairy cattle
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.