Le Chiffre
ActiveSummary
For Le Chiffre, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €127k and a net result of €41k. Equity is growing by ~47.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 13940 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability90▲+45
Solvency76▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
51.4%
Return on assets
16.8%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline24-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 24-03-2025, 236 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
236 d late
2022
593 d late
2021
153 d late
2020
153 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€41k▲ 516%
2022 · €7k
2020: €38k
2021: €39k
2022: €7k
2020 → 2023
Working capital
€-51k▼ 79.7%
2022 · €-28k
2020: €23k
2021: €-18k
2022: €-28k
2020 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202120222023Trend
Equity€39k-€78k▲ 99.9%€85k▲ 8.6%€127k▲ 48.8%
Operating result€53k-€54k▲ 1.7%€11k▼ 79.2%€66k▲ 492%
Net result€38k-€39k▲ 3.3%€7k▼ 82.8%€41k▲ 516%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 492% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €246k
Fixed assets
€236k ▲ 22.9%
Current assets
€10k ▼ 68.8%
Equity and liabilities €246k
Equity
€127k ▲ 48.8%
Debt
€120k ▼ 14.0%
Debt's share of the balance-sheet total falls from 62.0% to 48.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k
Cash flow
€42k
Current ratio
0.16▼
2022 · 0.53
Debt to equity
0.95▼
2022 · 1.63
ROE
32.8%▲
2022 · 7.9%
ROA
16.8%▲
2022 · 3.0%
Interest coverage
14.12
Debt ≤ 1 year
€60k▲
2022 · €60k
Debt > 1 year
€36k▼
2022 · €49k
Income taxes
€20k▲
2022 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 43 lines
Balance sheet
Code20222023
Assets
Total assets20/58€224k€246k▲
Fixed assets21/28€192k€236k▲
Tangible fixed assets22/27-€966
Furniture and vehicles24-€966
Financial fixed assets28€192k€235k▲
Current assets29/58€32k€10k▼
Amounts receivable within one year40/41€30k€2k▼
Trade receivables40€29k-
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€487€8k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€224k€246k▲
Equity10/15€85k€127k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€84k€125k▲
Amounts payable17/49€139k€120k▼
Amounts payable after more than one year17€49k€36k▼
Financial debts170/4€49k€36k▼
Amounts payable within one year42/48€60k€60k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Financial debts43€2k€502▼
Credit institutions430/8€2k€502▼
Trade debts44€16k€12k▼
Suppliers440/4€16k€12k▼
Taxes, remuneration and social security45€29k€34k▲
Taxes450/3€29k€34k▲
Other amounts payable47/48€771€498▼
Accrued charges and deferred income492/3€30k€23k▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€209
Other operating charges640/8€410€2k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€14k€69k▲
Operating profit (loss)9901€11k€66k▲
Financial income75/76B€0€9▲
Recurring financial income75€0€9▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€10k€61k▲
Income taxes67/77€3k€20k▲
Profit (loss) for the period9904€7k€41k▲
Profit (loss) for the period to be appropriated9905€7k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€125k▲
Profit (loss) brought forward from the previous period14P€77k€84k▲
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
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 236 days late
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 593 days late
2023
31-12
Financial
Highest result since 2020net €41k ▲516%
Operating result €66k, net result €41k, both a record.
31-12
Financial
Equity above €100kEq €127k ▲48.8%
4 profitable years in a row build equity to €127k.
2022
31-12
Financial
Weakest financial yearnet €7k ▼82.8%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Waterloo · 1 establishment unit since 2020
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.
Drève du Moulin 31A1410 WaterlooGround area
403 m²
Building footprint
95 m²
Volume, LiDAR
844 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Chiffre
since 20202.300.276.014
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762F0837/00B000 | Wallonia | 320 m² | - | - |
| 25762F0336/00_000 | Wallonia | 83 m² | 1 · 95 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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La Louvière · Eq €126,460
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Frederick Van Mol
BE 0788.971.274
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FIBOCOUNT
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Beveren-Kruibeke-Zwijndrecht · Eq €126,413
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,526 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
Founded24-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.