La chaloupe d'or

Active

Private limited company (pre-2019)founded 201115 yrs activeGrote Markt 24-25, 1000 Brussel, BelgiumKBO/BCE: BE 0833.300.175

The computed 12-month bankruptcy probability of La chaloupe d'or is 2.2% (moderate). The 2025 annual accounts show equity of €52k and a net result of €372k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 3674 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+79

Solvency29▲+29

Growth78▲+20

Track record100

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity tight (current ratio 1.04 against 0.76 in 2024; short-term debt: 95.7% and cash: 17% of total assets), and 95.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

4.3%

Return on assets

30.5%

Age of the figures

9 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3674 sector peers (2025).

NBB · sector comparison

Position among 3674 sector peers

Solvency

better than 25%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

3 d early

2024

22 d early

2023

70 d late

2022

120 d late

2021

61 d late

2020

31 d late

2019

272 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€372k

2024 · €-17k

2018: €-40k 2019: €336k 2020: €-161k 2021: €-160k 2022: €-280k 2023: €20k 2024: €-17k

2018 → 2025

Working capital

€47k

2024 · €-314k

2018: €-243k 2019: €278k 2020: €122k 2021: €-47k 2022: €-310k 2023: €-288k 2024: €-314k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-42k-€-322k▼ 667%€-302k▲ 6.1%€-320k▼ 5.7%€52k

Operating result€-153k-€-183k▼ 20.1%€45k€18k▼ 58.9%€396k▲ 2,054%

Net result€-160k-€-280k▼ 74.5%€20k€-17k€372k

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 2,054% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.22M

99.5%

Fixed assets €6k▼ 31.7%

Current assets €1.21M▲ 21.8%

Equity and liabilities €1.22M

95.7%

Equity €52k

Debt €1.17M

Debt finances 95.7% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€399k▲

2024 · €20k

Cash flow

€374k▲

2024 · €-15k

Solvency

4.3%▲

2024 · -31.8%

Current ratio

1.04▲

2024 · 0.76

Quick ratio

1.00▲

2024 · 0.74

Debt / equity

22.41▲

2024 · -4.15

ROE

713.0%

ROA

30.5%▲

2024 · -1.7%

Interest coverage

8.70▲

2024 · 0.57

Debt

€1.17M▼

2024 · €1.33M

Debt ≤ 1 year

€1.17M▼

2024 · €1.31M

Staff costs

€1.32M▲

2024 · €1.08M

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€1.01M€1.22M▲

Fixed assets21/28€9k€6k▼

Tangible fixed assets22/27€9k€6k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€6k€5k▼

Current assets29/58€997k€1.21M▲

Stocks and contracts in progress3€32k€42k▲

Stocks30/36€32k€42k▲

Amounts receivable within one year40/41€520k€959k▲

Trade receivables40€115k€164k▲

Other amounts receivable41€406k€796k▲

Cash at bank and in hand54/58€440k€207k▼

Deferred charges and accrued income490/1€5k€6k▲

Equity and liabilities

Total equity and liabilities10/49€1.01M€1.22M▲

Equity10/15€-320k€52k▲

Contributions10/11€6k€6k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€-328k€44k▲

Amounts payable17/49€1.33M€1.17M▼

Amounts payable within one year42/48€1.31M€1.17M▼

Trade debts44€1.09M€259k▼

Suppliers440/4€1.09M€259k▼

Advances received on contracts in progress46€5k€300▼

Taxes, remuneration and social security45€183k€226k▲

Taxes450/3€43k€55k▲

Remuneration and social security454/9€139k€171k▲

Other amounts payable47/48€29k€682k▲

Accrued charges and deferred income492/3€14k€906▼

Income statement Code20242025

Non-recurring operating income76A-€80

Remuneration, social security and pensions62€1.08M€1.32M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-13k€-3k▲

Other operating charges640/8€5k€10k▲

Gross operating margin9900€1.09M€1.73M▲

Operating profit (loss)9901€18k€396k▲

Financial income75/76B€92€21k▲

Recurring financial income75€92€21k▲

Financial charges65/66B€36k€46k▲

Recurring financial charges65€36k€46k▲

Profit (loss) for the period before taxes9903€-17k€372k▲

Profit (loss) for the period9904€-17k€372k▲

Transfer from tax-exempt reserves789€146k€0▼

Profit (loss) for the period to be appropriated9905€129k€372k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-328k€44k▲

Profit (loss) brought forward from the previous period14P€-456k€-328k▲

Social balance

Average headcount (FTE)908726.223.2▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Back to profitnet €372k

Net result €372k after one loss-making year.

09-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

09-10

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 70 days late

2023

31-12

Financial Back to profitnet €20k

Net result €20k after 3 loss-making years.

28-11

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 120 days late

2022

31-12

Financial Weakest financial yearnet €-280k

Net result drops to €-280k, the lowest in the series; recovery starts the following year.

30-09

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 61 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 31 days late

29-04

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 272 days late

2019

31-12

Financial Back to profitnet €336k

Net result €336k after one loss-making year.

31-12

Financial Equity above €200kEq €280k

Equity rises from €-241k to €280k.

17-07

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

09-08

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 9 days late

2017

31-07

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

7 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, Brussel · 1 establishment unit since 2011

establishment The establishment unit on the map

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.

Grote Markt 24-251000 Brussel

Ground area

132 m²

Building footprint

122 m²

Volume, LiDAR

2,273 m³

Parcel 21004A0443/00C000, Brussels · tallest building 23.9 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

LA CHALOUPE D'OR

Grote Markt 24-25, 1000 BrusselRetail trade

since 20112.199.545.769

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21004A0443/00C000 ProtectedArchitectural ensemble · Site or landscape · MonumentDen Engel - uitbreiding van de bescherming tot de totaliteitSource ↗	Brussels	132 m²	1 · 122 m²	23.9 m · 6 fl.