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LE CHASSIS ISOLANT

Active
Private limited companyfounded 198144 yrs activeAvenue Mercator 7, 1300 Wavre, BelgiumKBO/BCE: BE 0422.001.171
Summary

LE CHASSIS ISOLANT has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €580,407 and a net result of €35,743. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
LE CHASSIS ISOLANTActiveChecked score 69/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320Manufacture of other builders' carpentry and joinery NACE 16230Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials NACE 16250
#2 employer in Wavre, Construction sector1 site
Size
€4.4mturnover 2025
Staff
28.7 FTE
Equity
€580,407
Profit
€35,743
Financial health
69 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Parent
CHAMALI · 100%
Accounts filed 27 d late0 of 3 deeds read
Why 69- Sector Specialised construction activities (NACE 43)- Size: turnover €4.4m, 28.7 FTE, total assets €1.5m- Liquidity: current ratio 1.35, cash €24,588, halved+ Founded in 1981Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 37% of its sector peers (NACE 43, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 63-8
equity 38.0% of total assets
Liquidity 20-13
short-term debt 61.2% · cash 1.6%
Profitability 57+11
return on assets 2.3%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,633 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▼ -1.6% vs 03-2025 05-2025: 0.1%▼ -0.8% vs 04-2025 06-2025: 0.1%▼ -8.4% vs 05-2025lowest value 07-2025: 0.1%▲ +14.7% vs 06-2025 08-2025: 0.2%▲ +99.2% vs 07-2025 09-2025: 0.3%▲ +26.1% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▼ -1.6% vs 03-2026 05-2026: 0.3%▲ +1.6% vs 04-2026 06-2026: 0.3%▼ -3.8% vs 05-2026 07-2026: 0.3%▲ +3.6% vs 06-2026 08-2026: 0.6%▲ +106% vs 07-2026 09-2026: 0.7%▲ +2.9% vs 08-2026highest value 10-2026: 0.7%● 0.0% vs 09-2026highest value
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: turnover €4.4m, 28.7 FTE, total assets €1.5m raises the probability for this profile
  • Founded in 1981 lowers the probability for this profile
  • Liquidity: current ratio 1.35, cash €24,588, halved raises the probability
Credit up to €40,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.71 in 2024; short-term debt: 61.2% and cash: 1.6% of total assets), and 62% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, small). Better than this share of them on solvency 50%, liquidity 11%, profitability 28%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: turnover €4.4m, 28.7 FTE, total assets €1.5m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1981
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 1.35, cash €24,588, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filings
Deviation from the deadline
2025
27 d late
2024
21 d late
2023
3 d late
2022
on the day
2021
23 d early
2020
31 d late
2019
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 4 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Equity above €500,000Eq €544,664 ▲12.1%

Key points

  • Positive: Employer in Wavre, Construction sectorin the Checked rankings #2 View
  • Positive: 5 years of growth in a rowturnover 2025: €4.4m 5 years View
  • Controlled by CHAMALI 100% View

By topic

Financials

Fiscal year
2025
Turnover
€4.4m
Profit
€35,743
Solvency
38.0%
Turnover▲ 6.0%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 27-08-2026Annual accounts filed
  2. 21-08-2025Annual accounts filed
  3. 31-12-2024Equity above €500,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
07-10-1981
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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