CROIX CHATELAIN
ActiveSummary
CROIX CHATELAIN has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.5m and a net result of -€232,414. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 92% of 4909 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability11▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240,000 at 30 days acceptable
Liquidity ample (current ratio 7.09 against 5.51 in 2024; short-term debt: 11.7% and cash: 34.1% of total assets), and 11.8% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.2%
Return on assets
-5.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€232,414
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 filingsDeviation from the deadline
2025
48 d late
2024
9 d early
2023
1 d late
2022
55 d early
2021
61 d early
2020
82 d early
2019
79 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 34 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€232,414▲ 33.7%
2024 · -€350,664
Working capital
€2.8m▼ 5.8%
2024 · €3.0m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€759,873▲ 198%€387,388▼ 49.0%€148,077▼ 61.8%-€326,217-€233,847▲ 28.3%
Net result€625,070▲ 179%€238,685▼ 61.8%€78,288▼ 67.2%-€350,664-€232,414▲ 33.7%
Equity€3.9m▲ 18.8%€4.0m▲ 1.0%€4.1m▲ 2.2%€3.7m▼ 8.7%€3.5m▼ 6.3%
Total assets€4.6m▲ 13.3%€4.7m▲ 2.4%€4.9m▲ 3.5%€4.4m▼ 10.4%€3.9m▼ 9.8%
Debt€661,725▼ 11.3%€734,845▲ 11.0%€811,299▲ 10.4%€658,166▼ 18.9%€458,798▼ 30.3%
Working capital€3.4m▲ 20.2%€3.3m▼ 1.1%€3.3m▼ 0.5%€3.0m▼ 10.1%€2.8m▼ 5.8%
Staff (FTE)19.5▼ 7.1%18.6▼ 4.6%18.7▲ 0.5%18.6▼ 0.5%16.5▼ 11.3%
Why a figure moved sharply
- 2023 Net result -67% on 2022. Cause not known from the registers.
- 2022 Net result -62% on 2021. Cause not known from the registers.
- 2021 Net result +179% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €233,847 in 2025 against €326,217 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.9m
Fixed assets
€679,697 ▼ 7.8%
Current assets
€3.3m ▼ 10.3%
Equity and liabilities €3.9m
Equity
€3.5m ▼ 6.3%
Provisions
€4,478
Debt
€458,798 ▼ 30.3%
Debt's share of the balance-sheet total falls from 15.1% to 11.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€123,444▲
2024 · -€219,515
Cash flow
-€122,010▲
2024 · -€243,962
Current ratio
7.09▲
2024 · 5.51
Quick ratio
3.72▲
2024 · 3.14
Debt to equity
0.13▼
2024 · 0.18
ROE
-6.7%▲
2024 · -9.5%
ROA
-5.9%▲
2024 · -8.0%
Interest coverage
-5.04▼
2024 · -4.21
Debt ≤ 1 year
€458,686▼
2024 · €657,484
Income taxes
€500▼
2024 · €1,177
Staff costs
€1.0m▼
2024 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,250 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €1.0m | €971,100 | €1.0m | €1.1m | €1.0m | ▼ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €85,665 | €92,878 | €101,448 | €106,702 | €110,404 | ▲ 3.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €162,172 | €54,231 | -€185,319 | -€28,772 | -€88,512 | ▼ 208% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €4,478 | - |
| Other operating charges640/8 | €77,985 | €85,638 | €67,623 | €76,534 | €69,758 | ▼ 8.9% |
| Non-recurring operating charges66A | €10 | €17,405 | - | - | - | - |
| Gross operating margin9900 | €2.1m | €1.6m | €1.1m | €885,916 | €886,768 | ▲ 0.1% |
| Operating profit (loss)9901 | €759,873 | €387,388 | €148,077 | -€326,217 | -€233,847 | ▲ 28.3% |
| Financial income75/76B | €21,775 | €21,154 | €15,939 | €28,851 | €26,421 | ▼ 8.4% |
| Recurring financial income75 | €21,775 | €21,154 | €15,939 | €28,851 | €26,421 | ▼ 8.4% |
| Financial charges65/66B | €46,056 | €48,777 | €40,105 | €52,120 | €24,488 | ▼ 53.0% |
| Recurring financial charges65 | €46,056 | €48,777 | €40,105 | €52,120 | €24,488 | ▼ 53.0% |
| Profit (loss) for the period before taxes9903 | €735,592 | €359,765 | €123,911 | -€349,486 | -€231,914 | ▲ 33.6% |
| Income taxes67/77 | €110,522 | €121,080 | €45,622 | €1,177 | €500 | ▼ 57.6% |
| Profit (loss) for the period9904 | €625,070 | €238,685 | €78,288 | -€350,664 | -€232,414 | ▲ 33.7% |
| Transfer from tax-exempt reserves789 | - | - | - | €55,346 | - | - |
| Profit (loss) for the period to be appropriated9905 | €625,070 | €238,685 | €78,288 | -€295,318 | -€232,414 | ▲ 21.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.6m | €4.7m | €4.9m | €4.4m | €3.9m | ▼ 9.8% |
| Fixed assets21/28 | €832,949 | €818,065 | €827,534 | €737,201 | €679,697 | ▼ 7.8% |
| Intangible fixed assets21 | €15,463 | €9,750 | €6,450 | €123,883 | €103,823 | ▼ 16.2% |
| Tangible fixed assets22/27 | €816,630 | €807,458 | €820,228 | €612,462 | €575,018 | ▼ 6.1% |
| Land and buildings22 | €771,606 | €719,772 | €660,916 | €604,334 | €571,334 | ▼ 5.5% |
| Plant, machinery and equipment23 | €30,931 | €26,087 | €16,040 | €5,993 | €2,561 | ▼ 57.3% |
| Furniture and vehicles24 | €14,093 | €61,599 | €143,271 | €2,135 | €1,122 | ▼ 47.4% |
| Financial fixed assets28 | €856 | €856 | €856 | €856 | €856 | = |
| Current assets29/58 | €3.8m | €3.9m | €4.0m | €3.6m | €3.3m | ▼ 10.3% |
| Stocks and contracts in progress3 | €2.0m | €2.2m | €1.8m | €1.6m | €1.5m | ▼ 0.8% |
| Stocks30/36 | €2.0m | €2.2m | €1.8m | €1.6m | €1.5m | ▼ 0.8% |
| Amounts receivable within one year40/41 | €745,057 | €1.0m | €1.5m | €783,290 | €336,926 | ▼ 57.0% |
| Trade receivables40 | €708,532 | €964,233 | €1.3m | €666,376 | €312,189 | ▼ 53.2% |
| Other amounts receivable41 | €36,524 | €49,848 | €142,563 | €116,913 | €24,737 | ▼ 78.8% |
| Cash at bank and in hand54/58 | €962,239 | €595,770 | €729,062 | €1.3m | €1.3m | ▲ 6.8% |
| Deferred charges and accrued income490/1 | €32,477 | €25,598 | €29,129 | €24,312 | €25,114 | ▲ 3.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.6m | €4.7m | €4.9m | €4.4m | €3.9m | ▼ 9.8% |
| Equity10/15 | €3.9m | €4.0m | €4.1m | €3.7m | €3.5m | ▼ 6.3% |
| Contributions10/11 | €850,000 | €650,000 | €650,000 | €650,000 | €650,000 | = |
| Capital10 | €850,000 | €650,000 | €650,000 | €650,000 | €650,000 | = |
| Issued capital100 | €850,000 | €650,000 | €650,000 | €650,000 | €650,000 | = |
| Reserves13 | €2.2m | €2.4m | €2.5m | €2.4m | €2.4m | = |
| Non-distributable reserves130/1 | €85,000 | €85,000 | €85,000 | €85,000 | €85,000 | = |
| Legal reserve130 | €85,000 | €85,000 | €85,000 | €85,000 | €85,000 | = |
| Tax-exempt reserves132 | €96,522 | €96,522 | €96,522 | €41,176 | €41,176 | = |
| Distributable reserves133 | €2.0m | €2.2m | €2.3m | €2.3m | €2.3m | = |
| Profit (loss) carried forward14 | €905,286 | €908,971 | €911,260 | €615,942 | €383,528 | ▼ 37.7% |
| Investment grants15 | €427 | €0 | €8,319 | €6,319 | €4,319 | ▼ 31.7% |
| Provisions and deferred taxes16 | - | - | - | - | €4,478 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €4,478 | - |
| Other liabilities and charges164/5 | - | - | - | - | €4,478 | - |
| Amounts payable17/49 | €661,725 | €734,845 | €811,299 | €658,166 | €458,798 | ▼ 30.3% |
| Amounts payable after more than one year17 | €250,315 | €162,251 | €70,836 | - | - | - |
| Financial debts170/4 | €250,315 | €162,251 | €70,836 | - | - | - |
| Amounts payable within one year42/48 | €407,761 | €570,049 | €739,147 | €657,484 | €458,686 | ▼ 30.2% |
| Current portion of amounts payable after more than one year42 | €84,837 | €88,064 | €91,415 | €70,836 | - | - |
| Trade debts44 | €205,144 | €202,778 | €374,374 | €364,167 | €367,087 | ▲ 0.8% |
| Suppliers440/4 | €205,144 | €202,778 | €374,374 | €364,167 | €367,087 | ▲ 0.8% |
| Taxes, remuneration and social security45 | €117,780 | €183,287 | €178,438 | €154,793 | €89,560 | ▼ 42.1% |
| Taxes450/3 | €14,728 | €45,154 | €52,146 | €31,334 | €544 | ▼ 98.3% |
| Remuneration and social security454/9 | €103,052 | €138,133 | €126,292 | €123,459 | €89,017 | ▼ 27.9% |
| Other amounts payable47/48 | - | €95,919 | €94,920 | €67,688 | €2,038 | ▼ 97.0% |
| Accrued charges and deferred income492/3 | €3,649 | €2,546 | €1,316 | €682 | €113 | ▼ 83.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €625,070 | €238,685 | €78,288 | -€350,664 | -€232,414 | ▲ 33.7% |
| + Depreciation and write-downs630 | €85,665 | €92,878 | €101,448 | €106,702 | €110,404 | ▲ 3.5% |
| Operating cash flow (approximation) | €710,735 | €331,563 | €179,737 | -€243,962 | -€122,010 | ▲ 50.0% |
| Investment in fixed assets (approximation) | - | -€77,993 | -€110,917 | -€16,369 | -€52,900 | ▼ 223% |
| Change in cash | - | -€366,469 | €133,292 | €527,224 | €85,862 | ▼ 83.7% |
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
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 48 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €625,070 ▲179%
Operating result €759,873, net result €625,070, both a record.
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €223,921
Net result €223,921 after 2 loss-making years.
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
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 10 acts read
About the unread acts
We know of 10 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
10 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1980
Ground area
5,764 m²
Parcel 21819B0187/00Y002, Brussels. Linked by address, not a title deed.
36
companies at this address
See who is registered here
1 establishment unit
Vilvoordsesteenweg 146, 1120 Brussel
since 19802.017.292.865
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819B0187/00Y002 | Brussels | 5,764 m² | - | - |
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 1,567 companies in sector 46900 we hold annual accounts for 919. 425 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-02-1980
Fiscal year end31-12
Activities, NACEBEL 2025
46499Wholesale of other household goods
46900Non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0420146590
Registered
21-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.