FA_CHALMET
ActiveFA_CHALMET has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €3k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 969 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 12.66 against 13.24 in 2024), and 6.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 42
Relative position
BE, all sectors
reference
Sector 42
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
93.4%
Return on assets
1.9%
Age of the figures
8 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
19 d late
2023
48 d early
2022
65 d early
2021
52 d early
2020
46 d early
2019
55 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 2.1%
2024 · €135k
2018: €86k
2019: €103k
2020: €151k
2021: €135k
2022: €130k
2023: €135k
2024: €135k
2018 → 2025
Total assets
€148k▲ 3.0%
2024 · €143k
2018: €113k
2019: €155k
2020: €204k
2021: €178k
2022: €155k
2023: €153k
2024: €143k
2018 → 2025
Net result
€3k▲ 605%
2024 · €403
2018: €-10k
2019: €17k
2020: €48k
2021: €-16k
2022: €-5k
2023: €5k
2024: €403
2018 → 2025
Working capital
€113k▲ 11.7%
2024 · €101k
2018: €42k
2019: €42k
2020: €87k
2021: €77k
2022: €80k
2023: €91k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k-€130k▼ 3.5%€135k▲ 3.7%€135k▲ 0.3%€138k▲ 2.1%
Operating result€-1k-€-4k▼ 242%€4k€280▼ 93.4%€3k▲ 1,007%
Net result€-16k-€-5k▲ 70.5%€5k€403▼ 91.6%€3k▲ 605%
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 1,007% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€25k▼ 26.4%
Current assets
€123k▲ 12.1%
Equity and liabilities €148k
Equity
€138k▲ 2.1%
Debt
€10k▲ 17.2%
The debt ratio rises from 5.8% to 6.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€12k▼
2024 · €13k
Cash flow
€12k▼
2024 · €13k
Solvency
93.4%▼
2024 · 94.2%
Current ratio
12.66▼
2024 · 13.24
Quick ratio
11.26▼
2024 · 11.38
Debt / equity
0.07▲
2024 · 0.06
ROE
2.1%▲
2024 · 0.3%
ROA
1.9%▲
2024 · 0.3%
Interest coverage
215.40▲
2024 · 47.28
Debt
€10k▲
2024 · €8k
Debt ≤ 1 year
€10k▲
2024 · €8k
Income taxes
€998▲
2024 · €290
Staff costs
€55k▲
2024 · €51k
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€143k€148k▲
Fixed assets21/28€34k€25k▼
Tangible fixed assets22/27€34k€25k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€29k€21k▼
Current assets29/58€109k€123k▲
Stocks and contracts in progress3€15k€14k▼
Stocks30/36€15k€14k▼
Amounts receivable within one year40/41€70k€59k▼
Trade receivables40€10k€3k▼
Other amounts receivable41€60k€56k▼
Cash at bank and in hand54/58€24k€50k▲
Equity and liabilities
Total equity and liabilities10/49€143k€148k▲
Equity10/15€135k€138k▲
Contributions10/11€26k€26k=
Reserves13€104k€104k=
Distributable reserves133€104k€104k=
Profit (loss) carried forward14€5k€8k▲
Amounts payable17/49€8k€10k▲
Amounts payable within one year42/48€8k€10k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€67k€69k▲
Operating profit (loss)9901€280€3k▲
Financial income75/76B€690€795▲
Recurring financial income75€690€795▲
Financial charges65/66B€277€56▼
Recurring financial charges65€277€56▼
Profit (loss) for the period before taxes9903€694€4k▲
Income taxes67/77€290€998▲
Profit (loss) for the period9904€403€3k▲
Profit (loss) for the period to be appropriated9905€403€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€8k▲
Profit (loss) brought forward from the previous period14P€5k€5k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 13.24
Current ratio from 5.93 to 13.24; short-term debt falls from €18k to €8k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
27-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-16k ▼134%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €48k ▲183%
Operating result €53k, net result €48k, both a record.
31-12
Financial
Equity above €150kEq €151k ▲46.2%
2 profitable years in a row build equity to €151k.
06-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Equity above €100kEq €103k ▲19.5%
Equity rises from €86k to €103k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
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
4 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, Kaprijke · 1 establishment unit since 2010
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.
Ooststraat 79970 KaprijkeGround area
908 m²
Building footprint
210 m²
Volume, LiDAR
909 m³
Parcel 43007B1055/00A000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
"FA_CHALMET"
since 20102.185.823.437
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43007B1055/00A000 | Flanders | 908 m² | 1 · 210 m² | 7.4 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 2,316 companies in sector 42110 we hold annual accounts for 1,087. 755 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2010
Fiscal year end31-12
Activities, NACEBEL
42110Construction of roads and motorways
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.