EVAMAX
ActiveSummary
The computed 12-month bankruptcy probability of EVAMAX is 1.7% (moderate). The 2025 annual accounts show equity of €22,251 and a net result of €2,239. Equity is shrinking by ~26.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 28% of 18716 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency33▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.4 in 2024; short-term debt: 39.4% and cash: 8.9% of total assets), and 91.9% of the assets are financed with debt.
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Signals
Six 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
8.1%
Return on assets
0.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €22,251
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 6 filingsDeviation from the deadline
2025
30 d late
2024
50 d late
2023
47 d late
2022
4 d early
2021
9 d early
2020
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 14 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 30 August (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€22,251▲ 11.2%
2024 · €20,012
Total assets
€273,792▼ 15.4%
2024 · €323,697
Net result
€2,239▼ 22.5%
2024 · €2,890
Working capital
-€62,988▲ 6.0%
2024 · -€67,020
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,511▲ 17.9%-€5,408-€21,713▼ 302%€13,065€9,859▼ 24.5%
Net result€20,009within the sector's middle half-€16,685below the sector's middle half-€32,412below the sector's middle half▼ 94.3%€2,890within the sector's middle half€2,239within the sector's middle half▼ 22.5%
Equity€66,219within the sector's middle half▲ 43.3%€49,534within the sector's middle half▼ 25.2%€17,122within the sector's middle half▼ 65.4%€20,012within the sector's middle half▲ 16.9%€22,251within the sector's middle half▲ 11.2%
Total assets€419,324above the sector's middle half▼ 8.4%€439,759above the sector's middle half▲ 4.9%€354,492above the sector's middle half▼ 19.4%€323,697within the sector's middle half▼ 8.7%€273,792within the sector's middle half▼ 15.4%
Debt€353,104▼ 14.2%€390,225▲ 10.5%€337,370▼ 13.5%€303,685▼ 10.0%€251,541▼ 17.2%
Working capital€16,255within the sector's middle half-€21,792below the sector's middle half-€52,724below the sector's middle half▼ 142%-€67,020below the sector's middle half▼ 27.1%-€62,988below the sector's middle half▲ 6.0%
Solvency15.8%within the sector's middle half▲ 5.7pp11.3%within the sector's middle half▼ 4.5pp4.8%within the sector's middle half▼ 6.4pp6.2%within the sector's middle half▲ 1.4pp8.1%within the sector's middle half▲ 1.9pp
Current ratio1.18within the sector's middle half▲ 0.260.79below the sector's middle half▼ 0.390.47below the sector's middle half▼ 0.320.40below the sector's middle half▼ 0.070.42below the sector's middle half▲ 0.01
Return on assets (ROA)4.8%within the sector's middle half▲ 5.6pp-3.8%below the sector's middle half▼ 8.6pp-9.1%below the sector's middle half▼ 5.3pp0.9%within the sector's middle half▲ 10.0pp0.8%within the sector's middle half▼ 0.1pp
Staff (FTE)4.3=4.3=5.3▲ 23.3%6.1▲ 15.1%6.9▲ 13.1%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273,792
Fixed assets
€229,027 ▼ 17.9%
Current assets
€44,765 =
Equity and liabilities €273,792
Equity
€22,251 ▲ 11.2%
Debt
€251,541 ▼ 17.2%
Debt's share of the balance-sheet total falls from 93.8% to 91.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60,816▼
2024 · €62,537
Cash flow
€53,195▲
2024 · €52,361
Quick ratio
0.33▲
2024 · 0.31
Debt to equity
11.30▼
2024 · 15.18
ROE
10.1%▼
2024 · 14.4%
Interest coverage
7.72▲
2024 · 6.14
Debt ≤ 1 year
€107,753▼
2024 · €111,793
Debt > 1 year
€143,788▼
2024 · €189,463
Staff costs
€120,072▼
2024 · €125,181
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,251 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.6%
went bankrupt
2.7%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,251 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €133,115 | €142,508 | €132,399 | €125,181 | €120,072 | ▼ 4.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42,024 | €46,185 | €49,946 | €49,471 | €50,957 | ▲ 3.0% |
| Other operating charges640/8 | €125 | €699 | €535 | €544 | €909 | ▲ 67.1% |
| Non-recurring operating charges66A | €661 | €149 | - | - | - | - |
| Gross operating margin9900 | €210,435 | €184,132 | €161,167 | €188,261 | €181,797 | ▼ 3.4% |
| Operating profit (loss)9901 | €34,511 | -€5,408 | -€21,713 | €13,065 | €9,859 | ▼ 24.5% |
| Financial income75/76B | - | €1 | €0 | €1 | €255 | ▲ 23,126% |
| Recurring financial income75 | - | €1 | €0 | €1 | €255 | ▲ 23,126% |
| Financial charges65/66B | €11,072 | €11,278 | €10,699 | €10,177 | €7,876 | ▼ 22.6% |
| Recurring financial charges65 | €11,072 | €11,278 | €10,699 | €10,177 | €7,876 | ▼ 22.6% |
| Profit (loss) for the period before taxes9903 | €23,439 | -€16,685 | -€32,412 | €2,890 | €2,239 | ▼ 22.5% |
| Income taxes67/77 | €3,430 | - | - | - | - | - |
| Profit (loss) for the period9904 | €20,009 | -€16,685 | -€32,412 | €2,890 | €2,239 | ▼ 22.5% |
| Profit (loss) for the period to be appropriated9905 | €20,009 | -€16,685 | -€32,412 | €2,890 | €2,239 | ▼ 22.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €419,324 | €439,759 | €354,492 | €323,697 | €273,792 | ▼ 15.4% |
| Fixed assets21/28 | €315,124 | €357,341 | €307,395 | €278,924 | €229,027 | ▼ 17.9% |
| Intangible fixed assets21 | €282,426 | €245,926 | €209,426 | €172,926 | €136,426 | ▼ 21.1% |
| Tangible fixed assets22/27 | €32,152 | €110,868 | €97,423 | €105,451 | €92,054 | ▼ 12.7% |
| Plant, machinery and equipment23 | €2,560 | €969 | - | €20,157 | €18,057 | ▼ 10.4% |
| Furniture and vehicles24 | €1,202 | €484 | €67 | - | €763 | - |
| Other tangible fixed assets26 | €28,390 | €109,416 | €97,355 | €85,295 | €73,234 | ▼ 14.1% |
| Financial fixed assets28 | €546 | €546 | €546 | €546 | €546 | = |
| Current assets29/58 | €104,199 | €82,418 | €47,097 | €44,773 | €44,765 | = |
| Stocks and contracts in progress3 | €5,465 | €9,268 | €9,695 | €10,350 | €9,103 | ▼ 12.0% |
| Stocks30/36 | €5,465 | €9,268 | €9,695 | €10,350 | €9,103 | ▼ 12.0% |
| Amounts receivable within one year40/41 | €9,564 | €3,336 | €12,028 | €8,764 | €10,534 | ▲ 20.2% |
| Trade receivables40 | €5,350 | €859 | €9,733 | €4,900 | €6,422 | ▲ 31.1% |
| Other amounts receivable41 | €4,214 | €2,477 | €2,295 | €3,864 | €4,113 | ▲ 6.4% |
| Cash at bank and in hand54/58 | €87,601 | €66,886 | €24,923 | €24,538 | €24,343 | ▼ 0.8% |
| Deferred charges and accrued income490/1 | €1,570 | €2,928 | €451 | €1,121 | €785 | ▼ 30.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €419,324 | €439,759 | €354,492 | €323,697 | €273,792 | ▼ 15.4% |
| Equity10/15 | €66,219 | €49,534 | €17,122 | €20,012 | €22,251 | ▲ 11.2% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Profit (loss) carried forward14 | €16,219 | -€466 | -€32,878 | -€29,988 | -€27,749 | ▲ 7.5% |
| Amounts payable17/49 | €353,104 | €390,225 | €337,370 | €303,685 | €251,541 | ▼ 17.2% |
| Amounts payable after more than one year17 | €264,479 | €282,348 | €235,961 | €189,463 | €143,788 | ▼ 24.1% |
| Financial debts170/4 | €264,479 | €282,348 | €235,961 | €189,463 | €143,788 | ▼ 24.1% |
| Amounts payable within one year42/48 | €87,944 | €104,211 | €99,821 | €111,793 | €107,753 | ▼ 3.6% |
| Current portion of amounts payable after more than one year42 | €35,617 | €46,837 | €46,386 | €46,995 | €45,675 | ▼ 2.8% |
| Trade debts44 | €13,223 | €26,232 | €28,922 | €35,393 | €30,278 | ▼ 14.5% |
| Suppliers440/4 | €13,223 | €26,232 | €28,922 | €35,393 | €30,278 | ▼ 14.5% |
| Taxes, remuneration and social security45 | €33,315 | €26,903 | €20,540 | €23,763 | €25,212 | ▲ 6.1% |
| Taxes450/3 | €8,810 | €8,242 | €1,786 | €2,366 | €1,702 | ▼ 28.1% |
| Remuneration and social security454/9 | €24,505 | €18,661 | €18,754 | €21,397 | €23,510 | ▲ 9.9% |
| Other amounts payable47/48 | €5,789 | €4,239 | €3,974 | €5,642 | €6,588 | ▲ 16.8% |
| Accrued charges and deferred income492/3 | €681 | €3,667 | €1,587 | €2,429 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,009 | -€16,685 | -€32,412 | €2,890 | €2,239 | ▼ 22.5% |
| + Depreciation and write-downs630 | €42,024 | €46,185 | €49,946 | €49,471 | €50,957 | ▲ 3.0% |
| Operating cash flow (approximation) | €62,033 | €29,500 | €17,534 | €52,361 | €53,195 | ▲ 1.6% |
| Investment in fixed assets (approximation) | - | -€88,401 | €0 | -€21,000 | -€1,059 | ▲ 95.0% |
| Change in cash | - | -€20,714 | -€41,963 | -€385 | -€195 | ▲ 49.3% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
31-12
Financial
Back to profitnet €2,890
Net result €2,890 after 2 loss-making years.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-12
Financial
Weakest financial yearnet -€32,412
Net result drops to -€32,412, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20,009
Net result €20,009 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Genappe · 1 establishment unit since 2019
Ground area
169 m²
Building footprint
75 m²
Volume, LiDAR
659 m³
Parcel 25031A0385/00H000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Bruxelles 115, 1470 Genappe
since 20192.293.218.075
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25031A0385/00H000 | Wallonia | 169 m² | 1 · 75 m² | 10.8 m · 3 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGenappe2.293.218.075
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Of 2,404 companies in sector 47241 we hold annual accounts for 1,101. 856 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Contact
E-mail
chabeaumaxime@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0733910017
Also
9925:BE0733910017
Registered
10-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.