ECO CHAK
ActiveECO CHAK has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €76k and a net result of €18k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▲+75
Solvency92▲+11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 2.25 in 2023; short-term debt: 33.2% and cash: 3.1% of total assets), and 33.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-10-2025, 76 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
not confirmed
2024
76 d late
2023
61 d late
2022
98 d late
2021
77 d late
2020
5 d early
2019
53 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€76k▲ 32.3%
2023 · €57k
2018: €55k
2019: €66k
2020: €54k
2021: €46k
2022: €61k
2023: €57k
2018 → 2024
Total assets
€113k▲ 10.0%
2023 · €103k
2018: €60k
2019: €75k
2020: €74k
2021: €73k
2022: €129k
2023: €103k
2018 → 2024
Net result
€18k
2023 · €-4k
2018: €9k
2019: €11k
2020: €-12k
2021: €-7k
2022: €50k
2023: €-4k
2018 → 2024
Working capital
€69k▲ 20.6%
2023 · €57k
2018: €42k
2019: €52k
2020: €36k
2021: €38k
2022: €58k
2023: €57k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€54k-€46k▼ 13.8%€61k▲ 31.8%€57k▼ 6.2%€76k▲ 32.3%
Operating result€-10k-€-7k▲ 30.8%€68k€-3k€25k
Net result€-12k-€-7k▲ 38.4%€50k€-4k€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €25k after a loss of €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €113k
Fixed assets
€7k
Current assets
€107k
Equity and liabilities €113k
Equity
€76k▲ 32.3%
Debt
€38k▼ 17.8%
The debt ratio falls from 44.4% to 33.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2023 · €-195
Cash flow
€21k▲
2023 · €-547
Solvency
66.8%▲
2023 · 55.6%
Current ratio
2.84▲
2023 · 2.25
Quick ratio
2.84▲
2023 · 2.25
Debt / equity
0.50▼
2023 · 0.80
ROE
24.4%▲
2023 · -6.6%
ROA
16.3%▲
2023 · -3.7%
Interest coverage
116.81▲
2023 · -0.73
Debt
€38k▼
2023 · €46k
Debt ≤ 1 year
€38k▼
2023 · €46k
Income taxes
€6k▲
2023 · €84
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€103k€113k▲
Fixed assets21/28-€7k
Tangible fixed assets22/27-€7k
Plant, machinery and equipment23-€739
Furniture and vehicles24-€6k
Current assets29/58€103k€107k▲
Amounts receivable within one year40/41€88k€102k▲
Trade receivables40€36k€57k▲
Other amounts receivable41€52k€45k▼
Cash at bank and in hand54/58€14k€4k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€103k€113k▲
Equity10/15€57k€76k▲
Contributions10/11€16k€16k=
Profit (loss) carried forward14€41k€59k▲
Amounts payable17/49€46k€38k▼
Amounts payable within one year42/48€46k€38k▼
Trade debts44€28k€26k▼
Suppliers440/4€28k€26k▼
Taxes, remuneration and social security45€18k€7k▼
Taxes450/3€18k€6k▼
Remuneration and social security454/9-€754
Other amounts payable47/48-€4k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€1k€29k▲
Operating profit (loss)9901€-3k€25k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€268€238▼
Recurring financial charges65€268€238▼
Profit (loss) for the period before taxes9903€-4k€25k▲
Income taxes67/77€84€6k▲
Profit (loss) for the period9904€-4k€18k▲
Profit (loss) for the period to be appropriated9905€-4k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€59k▲
Profit (loss) brought forward from the previous period14P€45k€41k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
31-12
Financial
Back to profitnet €50k
Net result €50k after 2 loss-making years.
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 77 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-12k ▼213%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
06-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 67 days late
2018
06-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 37 days late
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
07-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2013
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 de Couillet 56001 CharleroiGround area
255 m²
Building footprint
156 m²
Volume, LiDAR
1,684 m³
2 parcels, Brussels, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ECO CHAK
since 20132.226.992.415
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0595/00K007 | Wallonia | 141 m² | 1 · 75 m² | 11.0 m · 3 fl. |
| 21001A0562/00B009 | Brussels | 114 m² | 1 · 80 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SCHROEDER-DENDOOVEN
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VANALI HEATING
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S.A.I.
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Of 7,039 companies in sector 43221 we hold annual accounts for 3,469. 3,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2013
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
43230Insulation installation
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ecochak@gmail.com