FJ RENARD CHAMBERLAN
ActiveFJ RENARD CHAMBERLAN has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €22k. Its solvency ranks better than 57% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency66▲+1
Growth52
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.42 in 2024; short-term debt: 34.1% and cash: 31.4% of total assets), and 59.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
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
40.5%
Return on assets
10.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
5 d early
2024
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 32.0%
2024 · €64k
2024: €64k
2024 → 2025
Total assets
€209k▲ 29.0%
2024 · €162k
2024: €162k
2024 → 2025
Net result
€22k▼ 64.8%
2024 · €63k
2024: €63k
2024 → 2025
Working capital
€35k▲ 30.3%
2024 · €27k
2024: €27k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€64k-€85k▲ 32.0%
Operating result€85k-€31k▼ 63.8%
Net result€63k-€22k▼ 64.8%
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 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€102k▲ 47.5%
Current assets
€107k▲ 15.2%
Equity and liabilities €209k
Equity
€85k▲ 32.0%
Debt
€124k▲ 27.0%
The debt ratio falls from 60.4% to 59.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▼
2024 · €93k
Cash flow
€35k▼
2024 · €71k
Solvency
40.5%▲
2024 · 39.6%
Current ratio
1.50▲
2024 · 1.42
Quick ratio
1.23▼
2024 · 1.32
Debt / equity
1.47▼
2024 · 1.53
ROE
26.1%▼
2024 · 97.8%
ROA
10.6%▼
2024 · 38.7%
Interest coverage
16.34▼
2024 · 75.58
Debt
€124k▲
2024 · €98k
Debt ≤ 1 year
€71k▲
2024 · €65k
Debt > 1 year
€53k▲
2024 · €32k
Income taxes
€6k▼
2024 · €21k
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€162k€209k▲
Fixed assets21/28€69k€102k▲
Tangible fixed assets22/27€69k€102k▲
Plant, machinery and equipment23€19k€22k▲
Furniture and vehicles24€42k€70k▲
Other tangible fixed assets26€8k€10k▲
Current assets29/58€93k€107k▲
Stocks and contracts in progress3€7k€19k▲
Stocks30/36€7k€19k▲
Amounts receivable within one year40/41€12k€20k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€1k€11k▲
Cash at bank and in hand54/58€73k€66k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€162k€209k▲
Equity10/15€64k€85k▲
Contributions10/11€3k€3k=
Reserves13€61k€82k▲
Distributable reserves133€61k€82k▲
Amounts payable17/49€98k€124k▲
Amounts payable after more than one year17€32k€53k▲
Financial debts170/4€32k€53k▲
Amounts payable within one year42/48€65k€71k▲
Current portion of amounts payable after more than one year42€8k€18k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€23k€14k▼
Taxes450/3€23k€14k▼
Other amounts payable47/48€30k€36k▲
Accrued charges and deferred income492/3€194€209▲
Income statement
Code20242025
Remuneration, social security and pensions62€297-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€1k€6k▲
Gross operating margin9900€95k€50k▼
Operating profit (loss)9901€85k€31k▼
Financial income75/76B€83€56▼
Recurring financial income75€83€56▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€84k€28k▼
Income taxes67/77€21k€6k▼
Profit (loss) for the period9904€63k€22k▼
Profit (loss) for the period to be appropriated9905€63k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€22k▼
Transfer to equity691/2€61k€20k▼
To the legal reserve6920€61k€20k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (8 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Gouvy · 1 establishment unit since 2023
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 des Pompiers, Ourthe 106672 GouvyGround area
1,103 m²
Building footprint
147 m²
Parcel 82004D2252/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FJ RENARD CHAMBERLAN
since 20232.346.872.537
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82004D2252/00S000 | Wallonia | 1,103 m² | 1 · 147 m² | - |
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.
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Of 1,581 companies in sector 01620 we hold annual accounts for 218. 171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2023
Fiscal year end30-06
Activities, NACEBEL
01620Support activities for animal production
85510Sports and recreation education
93127Equestrian clubs
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.