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La Ruche Chapelloise

Active
Private limited companyfounded 1923active for 103 yearsRue de Piéton 2, 7160 Chapelle-lez-Herlaimont, BelgiumKBO/BCE: BE 0401.733.418
Summary

La Ruche Chapelloise has been active since 1923 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62.7m and a net result of €341,594, of which €495,677 non-recurring income. Equity has been growing by about 5.1% per year since 2018. The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 11-03-1923 Normal situation
Activity
Real estate activities NACE 68202
Joint committee
339.02 Paritair Subcomité voor de erkende maatschappijen voor sociale huisvesting van het Waalse Gewest · annual accounts 2025
Establishment unit
2.230.953.082 7160 Chapelle-lez-Herlaimont, since 11-03-1923
Financial year end
31 December
Peppol
Reachable

Board and ownership

Auditor
AUDICIA

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Turnover
€8.6m
▲ 13.1%
Profit
€341,594
Equity
€62.7m
▼ 3.1%
Total assets
€152.1m
▼ 3.1%
Employees on 31-12-2025
38
▼ 2.6%
Score breakdownraises riskLiquidity: current ratio 2.18, cash €9.5mProfit of €341,594 (financial year 2025)lowers riskSize: turnover €8.6m, 37.4 FTE, total assets €152.1mFounded in 1923Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 64% of small companies in real estate (NACE 68)
Financial strength · tick: 2024
Strong
Solvency 66=
equity 41.2% of total assets
Liquidity 58-2
short-term debt 9.2% · cash 6.2%
Profitability 60+3
return on assets 0.2%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,995 companies, NACE 68, small)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value 11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €850,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.18 (2.62 in 2024), above the usual 1.5. Short-term debt is 9.2% and cash 6.2% of total assets. However, 58.8% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 60% of them on solvency, 84% on liquidity, 58% on profitability and 54% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: turnover €8.6m, 37.4 FTE, total assets €152.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1923
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 2.18, cash €9.5m
NBB · annual accounts
raises risk · Profit of €341,594 (financial year 2025)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
59 days early
2024
44 days early
2023
48 days early
2022
56 days early
2021
33 days early
2020
2 days late
2019
45 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 28 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Back in profit in 2025after a loss of €52,131 in 2024 €341,594 View
  • Positive: Largest company by total assets in Chapelle-lez-Herlaimontin the Checked rankings No. 1 View
  • Positive: 7 years of growth in a rowturnover 2025: €8.6m 7 years View
  • New directorslatest change 18-06-2026 · 19 in office 10 joined View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Appointments: Tatiana JEREBKOV, Mourad SAHLI and 15 others
  2. · Gazette deed Appointments: Mourad SAHLI, Bénédicte MOREAU and 2 others
  3. · Gazette deed Appointment: Bénédicte Moreau (administrateur représentant administration communale)Resignation: Bruno Scala (director)
All 40 events

Comparable companies

These companies have the same main activity as La Ruche Chapelloise: real estate activities (NACE 68202). They are comparable in size and age: total assets between €87m and €140m, founded between 1921 and 1928.

CompanyTotal assetsTurnover
La Ruche Chapelloise Chapelle-lez-Herlaimont€152.1m€8.6m
SAMBRE & BIESME Farciennes€116.8m€9.2m
Borinage Hauts-Pays Logements Boussu€136.4m€9.3m
IMMOBILIERE SOCIALE ENTRE SAMBRE ET HAINE Binche€102.1m€9.1m
L'HABITAT DU PAYS VERT Ath€87.3m€7.6m
MEUSE CONDROZ LOGEMENT Huy€139.7m€10.2m
IMMOBILIERE PUBLIQUE DU CENTRE ET DE L'EST DU BRABANT WALLON Court-Saint-Etienne€134.3m€10.7m
Full comparison

Key facts about La Ruche Chapelloise

What is the company number of La Ruche Chapelloise?
The company number of La Ruche Chapelloise is 0401.733.418. The VAT number is the same number with BE in front: BE 0401.733.418.
Where is La Ruche Chapelloise based?
The registered office is at Rue de Piéton 2, 7160 Chapelle-lez-Herlaimont.Company details
What does La Ruche Chapelloise do?
According to the KBO register, the main activity is real estate activities (NACE 68202).
What is the legal form of La Ruche Chapelloise?
The legal form of La Ruche Chapelloise is Private limited company (BV).
When was La Ruche Chapelloise founded?
La Ruche Chapelloise was founded on 11-03-1923.
Is La Ruche Chapelloise still active?
Yes, La Ruche Chapelloise is an active enterprise in the KBO register.
How many employees does La Ruche Chapelloise have?
La Ruche Chapelloise had an average of 37.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does La Ruche Chapelloise fall under?
In its 2025 annual accounts, La Ruche Chapelloise states joint committee 339.02 (Paritair Subcomité voor de erkende maatschappijen voor sociale huisvesting van het Waalse Gewest).
What is the turnover of La Ruche Chapelloise?
The turnover of La Ruche Chapelloise was €8.6m in financial year 2025, according to the filed annual accounts.
Is La Ruche Chapelloise profitable?
In financial year 2025, La Ruche Chapelloise made a profit of €341,594.
Where can I find the annual accounts of La Ruche Chapelloise?
La Ruche Chapelloise filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of La Ruche Chapelloise due?
La Ruche Chapelloise must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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