LE CHOIX
ActiveLE CHOIX has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €114. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 18% of 522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-35
Solvency34▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.48 in 2024; short-term debt: 61.2% and cash: 77.9% of total assets), but 91.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
8.5%
Return on assets
0%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 522 sector peers (2025).
NBB · sector comparisonPosition among 522 sector peers
Solvency
better than 18%
← weakest
strongest →
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
57 d early
2023
58 d early
2022
54 d early
2021
48 d early
2020
47 d early
2019
22 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€114▼ 87.8%
2024 · €934
2018: €80
2019: €48
2020: €1
2021: €3
2022: €-3k
2023: €-1k
2024: €934
2018 → 2025
Working capital
€127k▲ 42.6%
2024 · €89k
2018: €74k
2019: €128k
2020: €29k
2021: €59k
2022: €110k
2023: €133k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€29k▼ 9.1%€28k▼ 3.8%€29k▲ 3.3%€29k▲ 0.4%
Operating result€151-€-3k€-1k▲ 47.6%€116€-589
Net result€3-€-3k€-1k▲ 61.7%€934€114▼ 87.8%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €589 after €116 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€5k▼ 4.6%
Current assets
€335k▲ 22.3%
Equity and liabilities €340k
Equity
€29k▲ 0.4%
Debt
€311k▲ 24.3%
The debt ratio rises from 89.6% to 91.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€166▼
2024 · €768
Cash flow
€869▼
2024 · €2k
Solvency
8.5%▼
2024 · 10.4%
Current ratio
1.61▲
2024 · 1.48
Quick ratio
1.61▲
2024 · 1.48
Debt / equity
10.70▲
2024 · 8.64
ROE
0.4%▼
2024 · 3.2%
ROA
0.0%▼
2024 · 0.3%
Interest coverage
1.81▼
2024 · 8.45
Debt
€311k▲
2024 · €250k
Debt ≤ 1 year
€208k▲
2024 · €185k
Staff costs
€600k▲
2024 · €551k
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€279k€340k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€1k€1k▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€2k€2k=
Current assets29/58€274k€335k▲
Amounts receivable within one year40/41€53k€65k▲
Trade receivables40-€446
Other amounts receivable41€53k€64k▲
Cash at bank and in hand54/58€215k€265k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€279k€340k▲
Equity10/15€29k€29k▲
Profit (loss) carried forward14€29k€29k▲
Amounts payable17/49€250k€311k▲
Amounts payable within one year42/48€185k€208k▲
Trade debts44€6k€6k▼
Suppliers440/4€6k€6k▼
Taxes, remuneration and social security45€71k€94k▲
Taxes450/3€14k€15k▲
Remuneration and social security454/9€57k€79k▲
Accrued charges and deferred income492/3€65k€103k▲
Income statement
Code20242025
Non-recurring operating income76A€25€111▲
Remuneration, social security and pensions62€551k€600k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€652€755▲
Other operating charges640/8€70€70▼
Gross operating margin9900€552k€600k▲
Operating profit (loss)9901€116€-589▼
Financial income75/76B€909€795▼
Recurring financial income75€909€795▼
Financial charges65/66B€91€92▲
Recurring financial charges65€91€92▲
Profit (loss) for the period before taxes9903€934€114▼
Profit (loss) for the period9904€934€114▼
Profit (loss) for the period to be appropriated9905€934€114▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€29k▲
Profit (loss) brought forward from the previous period14P€28k€29k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €934
Net result €934 after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-3k ▼107635%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Namur · 1 establishment unit since 2008
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 du Travail 475000 NamurGround area
228 m²
Building footprint
55 m²
Parcel 92302G0335/00S006, Wallonia. Linked by address, not a title deed.
1 establishment unit
LE CHOIX
since 20082.196.575.094
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0335/00S006 | Wallonia | 228 m² | 1 · 55 m² | - |
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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2021 to 2025 · 20 entries · 2,353,935 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 13 | 674,519 EUR |
| 2024 | 2 | 652,538 EUR |
| 2023 | 2 | 435,805 EUR |
| 2022 | 2 | 589,110 EUR |
| 2021 | 1 | 1,964 EUR |
Budget allocations
Subventions aux services d'actions restauratrices et éducatives
Subventions aux services d’actions restauratrices et éducatives
Fonds budgétaire destiné à subventionner des actions et des mesures d'aide à la jeunesse et de protection de la jeunesse
Similar companies · same sector, comparable size
Services libres Interrégionaux du Namurois/Services de Santé Mentale
BE 0862.399.581
Namur · Eq €29k
Sas Bruxelles midi
BE 0821.536.847
Anderlecht · Eq €29k
CENTRE REGIONAL POUR L'INTEGRATION DES PERSONNES ETRANGERES OU D'ORIGINE ETRANGERE DE LIEGE
BE 0465.562.188
Liège · Eq €29k
BAPA BXL
BE 0633.894.307
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Extérieur-Jour
BE 0452.519.153
Jemeppe-sur-Sambre · Eq €30k
Of 2,205 companies in sector 88999 we hold annual accounts for 802. 380 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded24-06-1985
Fiscal year end31-12
Activities, NACEBEL
85323
88999Other social work without accommodation
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.