Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of LOVELY CHOCOLATE is 2.6% (moderate). The 2024 annual accounts show equity of €27k and a net result of €4k. Its solvency ranks better than 29% of 3354 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 28-08-2025 | 28 d late | 2025-00419801 |
| 31-12-2023 | 31-07-2024 | 05-07-2024 | 26 d early | 2024-00212531 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Multiple establishment units
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-77.5%
Working capital€162-99.6%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 3.4% | 25.2% | |
| Net result | €4k | €4k | |
| Equity | €27k | €23k | |
| Gross operating margin | €182k | €19k | |
| Staff costs | €119k | €27k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€61k
-4.7%
23-24
€4k
-77.5%
23-24
€45k
-18.6%
23-24
€788k
+179.5%
23-24
€27k
+18.5%
23-24
€162
-99.6%
23-24
4
+178.6%
23-24
€119k
+263.5%
23-24
€132
-94.7%
23-24
€761k
+193.6%
23-24
€311k
+376.1%
23-24
€446k
+130.7%
23-24
1.00
-38.4%
23-24
0.42
-54.3%
23-24
3.4%
-57.6%
23-24
28.24
+147.7%
23-24
15.6%
-81.0%
23-24
0.5%
-92.0%
23-24
3.69
-64.9%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €61k |
| Net profit | €4k |
| Cash flow | €45k |
| Staff costs | €119k |
| Income taxes | €132 |
| Dividends | - |
| Total assets | €788k |
| Equity | €27k |
| Debt | €761k |
| of which ≤ 1y | €311k |
| of which > 1y | €446k |
| Working capital | €162 |
| Employees (FTE) | 3.9 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.00 |
| Quick ratio | 0.42 |
| Working capital ratio | 0.0% |
| Solvency | 3.4% |
| Debt / equity | 28.24 |
| Long-term debt ratio | 16.56 |
| Interest coverage | 3.69 |
| Gross margin | - |
| Net margin | - |
| ROA | 0.5% |
| ROE | 15.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €788k |
| Fixed assets | 21/28 | €476k |
| Formation expenses | 20 | €282 |
| Intangible fixed assets | 21 | €37k |
| Tangible fixed assets | 22/27 | €433k |
| Financial fixed assets | 28 | €6k |
| Current assets | 29/58 | €311k |
| Stocks & contracts in progress | 3 | €182k |
| Amounts receivable within one year | 40/41 | €83k |
| Cash & bank | 54/58 | €6k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €788k |
| Equity | 10/15 | €27k |
| Contributions / capital | 10/11 | €4k |
| Accumulated profits (losses) | 14 | €23k |
| Amounts payable | 17/49 | €761k |
| Amounts payable after one year | 17 | €446k |
| Amounts payable within one year | 42/48 | €311k |
| Trade debts payable within one year | 44 | €134k |
| Income statement | ||
| Gross operating margin | 9900 | €182k |
| Operating result | 9901 | €20k |
| Financial income | 75 | €770 |
| Financial charges | 65 | €17k |
| Result before taxes | 9903 | €4k |
| Income taxes | 67/77 | €132 |
| Net result for the period | 9904 | €4k |
| Result to be appropriated | 9905 | €4k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed58
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 César de Paepe 594683 OupeyeEstablishment units
2 locationsLOVELY CHOCOLATE
since 20222.331.036.494
LOVELY CHOCOLATE
since 20242.359.211.927
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,777 m²
Buildings1
Building footprint132 m²
Volume (LiDAR)2,137 m³
Tallest building19.0 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62109B0166/00L002 | Wallonia | 6,557 m² | - | - |
| 63079D0055/00D000 | Wallonia | 221 m² | 1 · 132 m² | 19.0 m · 5 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
04-07-2024
Registered-office move
All acts · 1
updated 2 years ago
2024
04-07-2024 Registered office moved from Verviers to Oupeye
- Rue de Stembert 347 à 4800 verviers → rue césar de Paepe 59 à 4683 Oupeye
Analysis
Snowflake analysis
financial profile on 5 axes59
/ 100
Mixed profile: strong on stability, weaker on solvency.
All 5 axes are computed from data Checked has read.
Health
58
Profitability
78
Solvency
13
Growth
52
Stability
94
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We hold annual accounts for 54 of the 452 companies in this sector. 40 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Vervaardiging van cacao, chocolade en suikerwerk10820Vervaardiging van cacao, chocolade en suikerwerk10820Groothandel in suiker, chocolade en suikerwerk46360Groothandel in suiker, chocolade en suikerwerk46360
Primary activity highlighted.
Names & trade names
| Legal nameFR | LOVELY CHOCOLATE |
Registered office
Rue César de Paepe 59
4683 Oupeye, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.