"Institut Chazel"
ActiveSummary
"Institut Chazel" has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €31k. Its solvency ranks better than 56% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency60
Growth-
Track record67
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.12; short-term debt: 32.9% and cash: 26.3% of total assets), and 65.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
34.8%
Return on assets
31.7%
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 28-08-2026, 28 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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€34k
Total assets
€97k
Net result
€31k
Working capital
€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €97k
Fixed assets
€61k
Current assets
€36k
Equity and liabilities €97k
Equity
€34k
Debt
€64k
Debt finances 65.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€48k
Cash flow
€39k
Current ratio
1.12
Quick ratio
0.95
Debt to equity
1.88
ROE
91.1%
ROA
31.7%
Interest coverage
77.78
Debt ≤ 1 year
€32k
Debt > 1 year
€31k
Income taxes
€9k
Staff costs
€11k
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet
Code2025
Assets
Total assets20/58€97k
Fixed assets21/28€61k
Tangible fixed assets22/27€61k
Plant, machinery and equipment23€57k
Furniture and vehicles24€4k
Current assets29/58€36k
Stocks and contracts in progress3€5k
Stocks30/36€5k
Amounts receivable within one year40/41€751
Trade receivables40€751
Cash at bank and in hand54/58€26k
Deferred charges and accrued income490/1€4k
Equity and liabilities
Total equity and liabilities10/49€97k
Equity10/15€34k
Contributions10/11€3k
Profit (loss) carried forward14€31k
Amounts payable17/49€64k
Amounts payable after more than one year17€31k
Financial debts170/4€31k
Amounts payable within one year42/48€32k
Current portion of amounts payable after more than one year42€9k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€13k
Taxes450/3€10k
Remuneration and social security454/9€2k
Other amounts payable47/48€7k
Income statement
Code2025
Remuneration, social security and pensions62€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k
Other operating charges640/8€547
Gross operating margin9900€59k
Operating profit (loss)9901€40k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€613
Recurring financial charges65€613
Profit (loss) for the period before taxes9903€39k
Income taxes67/77€9k
Profit (loss) for the period9904€31k
Profit (loss) for the period to be appropriated9905€31k
Appropriation of the result
Profit (loss) to be appropriated9906€31k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
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, Hamoir · 1 establishment unit since 2024
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 Combattants 124180 HamoirGround area
80 m²
Building footprint
60 m²
Volume, LiDAR
583 m³
Parcel 61024B0602/00V003, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
"Institut Chazel"
since 20242.361.096.893
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61024B0602/00V003 | Wallonia | 80 m² | 1 · 60 m² | 11.1 m · 3 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.
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Of 24,860 companies in sector 96220 we hold annual accounts for 1,443. 1,164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.