ESPRIT CHASSIS
ActiveThe computed 12-month bankruptcy probability of ESPRIT CHASSIS is 2.4% (moderate). The 2025 annual accounts show equity of €56k and a net result of €5k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 27619 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+9
Solvency68▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 2.17 in 2024; short-term debt: 42.5% and cash: 13.7% of total assets), but 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
42.8%
Return on assets
3.6%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
29 d late
2022
31 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 9.1%
2024 · €51k
2022: €18k
2023: €54k
2024: €51k
2022 → 2025
Total assets
€131k▼ 7.1%
2024 · €141k
2022: €65k
2023: €137k
2024: €141k
2022 → 2025
Net result
€5k
2024 · €-2k
2022: €13k
2023: €36k
2024: €-2k
2022 → 2025
Working capital
€31k▼ 30.2%
2024 · €44k
2022: €29k
2023: €37k
2024: €44k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€54k▲ 204%€51k▼ 3.9%€56k▲ 9.1%
Operating result€15k-€50k▲ 230%€1k▼ 97.9%€6k▲ 462%
Net result€13k-€36k▲ 184%€-2k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 462% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€45k▼ 25.6%
Current assets
€86k▲ 6.6%
Equity and liabilities €131k
Equity
€56k▲ 9.1%
Debt
€75k▼ 16.4%
The debt ratio falls from 63.6% to 57.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €17k
Cash flow
€23k▲
2024 · €14k
Solvency
42.8%▲
2024 · 36.4%
Current ratio
1.55▼
2024 · 2.17
Quick ratio
0.99▼
2024 · 1.62
Debt / equity
1.34▼
2024 · 1.74
ROE
8.3%▲
2024 · -4.1%
ROA
3.6%▲
2024 · -1.5%
Interest coverage
68.99▲
2024 · 5.71
Debt
€75k▼
2024 · €90k
Debt ≤ 1 year
€56k▲
2024 · €37k
Debt > 1 year
€19k▼
2024 · €52k
Income taxes
€971▲
2024 · €289
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€141k€131k▼
Fixed assets21/28€60k€45k▼
Tangible fixed assets22/27€60k€45k▼
Plant, machinery and equipment23€7k€8k▲
Furniture and vehicles24€24k€15k▼
Leasing and similar rights25€29k€22k▼
Current assets29/58€81k€86k▲
Stocks and contracts in progress3€21k€31k▲
Stocks30/36€21k€31k▲
Amounts receivable within one year40/41€31k€35k▲
Trade receivables40€22k€23k▲
Other amounts receivable41€8k€12k▲
Cash at bank and in hand54/58€27k€18k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€141k€131k▼
Equity10/15€51k€56k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€46k€51k▲
Amounts payable17/49€90k€75k▼
Amounts payable after more than one year17€52k€19k▼
Financial debts170/4€52k€19k▼
Amounts payable within one year42/48€37k€56k▲
Current portion of amounts payable after more than one year42€13k€11k▼
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Advances received on contracts in progress46€7k€7k=
Taxes, remuneration and social security45€440€4k▲
Taxes450/3€440€4k▲
Other amounts payable47/48€14k€7k▼
Accrued charges and deferred income492/3-€67
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€580€2k▲
Gross operating margin9900€17k€26k▲
Operating profit (loss)9901€1k€6k▲
Financial income75/76B€57-
Recurring financial income75€57-
Financial charges65/66B€3k€354▼
Recurring financial charges65€3k€354▼
Profit (loss) for the period before taxes9903€-2k€6k▲
Income taxes67/77€289€971▲
Profit (loss) for the period9904€-2k€5k▲
Profit (loss) for the period to be appropriated9905€-2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€51k▲
Profit (loss) brought forward from the previous period14P€49k€46k▼
The notes to these accounts (17 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼106%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €36k ▲184%
Operating result €50k, net result €36k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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 2023
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.
21-06-2023
Resigned as Director
Location & real-estate footprint
Registered office, Chiny · 1 establishment unit since 2022
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 l'Amérique,Pin 136810 ChinyGround area
1,112 m²
Building footprint
213 m²
Volume, LiDAR
1,639 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ESPRIT CHASSIS
since 20222.330.499.729
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85018B1234/00Z003 | Wallonia | 714 m² | 1 · 115 m² | 9.6 m · 3 fl. |
| 85036A1253/00B000 | Wallonia | 398 m² | 1 · 98 m² | 9.6 m · 3 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.
Similar companies · same sector, comparable size
CRENEAU INTERNATIONAL
BE 0436.498.614
Hasselt · Eq €56k
MENTENS INTERIEUR
BE 0810.948.506
Beringen · Eq €56k
ARMA-FER
BE 0647.612.085
Brussel · Eq €56k
2B-Unicorn
BE 0760.649.452
Fontaine-l'Evêque · Eq €56k
R & L Interieur
BE 0822.122.114
Herselt · Eq €56k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 7,488 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43343Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.