MAISON CHARDON
ActiveSummary
The computed 12-month bankruptcy probability of MAISON CHARDON is 7.3% (elevated). The 2025 annual accounts show negative equity (-€55,928) and a net result of -€43,925. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 13874 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
7.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.26 in 2024; short-term debt: 76.2% and cash: 19.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
-55.6%
Return on assets
-43.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year -€55,928
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
23 d early
2023
19 d early
2022
20 d early
2021
16 d early
2020
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 11 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€55,928▼ 366%
2024 · -€12,003
Total assets
€100,561▼ 3.2%
2024 · €103,871
Net result
-€43,925▲ 22.0%
2024 · -€56,312
Working capital
-€38,253▲ 40.9%
2024 · -€64,712
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€28,294▲ 26.5%€2,132▼ 92.5%-€1,953-€52,203▼ 2,573%-€33,929▲ 35.0%
Net result€22,836within the sector's middle half▲ 20.0%€383within the sector's middle half▼ 98.3%-€2,934within the sector's middle half-€56,312below the sector's middle half▼ 1,819%-€43,925below the sector's middle half▲ 22.0%
Equity€46,860within the sector's middle half▲ 95.1%€47,243within the sector's middle half▲ 0.8%€44,308within the sector's middle half▼ 6.2%-€12,003below the sector's middle half-€55,928below the sector's middle half▼ 366%
Total assets€89,536within the sector's middle half▲ 27.0%€73,434within the sector's middle half▼ 18.0%€153,097within the sector's middle half▲ 108%€103,871within the sector's middle half▼ 32.2%€100,561within the sector's middle half▼ 3.2%
Debt€42,676▼ 8.2%€26,192▼ 38.6%€108,789▲ 315%€115,874▲ 6.5%€156,490▲ 35.1%
Working capital€13,812within the sector's middle half▲ 122%€4,264within the sector's middle half▼ 69.1%-€24,085within the sector's middle half-€64,712below the sector's middle half▼ 169%-€38,253below the sector's middle half▲ 40.9%
Solvency52.3%within the sector's middle half▲ 18.3pp64.3%above the sector's middle half▲ 12.0pp28.9%within the sector's middle half▼ 35.4pp-11.6%below the sector's middle half▼ 40.5pp-55.6%below the sector's middle half▼ 44.1pp
Current ratio1.49within the sector's middle half▲ 0.091.16within the sector's middle half▼ 0.330.67within the sector's middle half▼ 0.490.26below the sector's middle half▼ 0.420.50below the sector's middle half▲ 0.25
Return on assets (ROA)25.5%above the sector's middle half▼ 1.5pp0.5%within the sector's middle half▼ 25.0pp-1.9%within the sector's middle half▼ 2.4pp-54.2%below the sector's middle half▼ 52.3pp-43.7%below the sector's middle half▲ 10.5pp
Staff (FTE)1.6▲ 23.1%4.4▲ 175%5.74.4▼ 22.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33,929 in 2025 against €52,203 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100,561
Fixed assets
€62,172 ▼ 23.8%
Current assets
€38,389 ▲ 72.7%
Equity and liabilities
Equity-€55,928
Debt€156,490
Equity is negative: debt (€156,490) exceeds the balance-sheet total (€100,561).
Key figures and ratios
EBITDA
-€12,024▲
2024 · -€30,693
Cash flow
-€22,020▲
2024 · -€34,801
Quick ratio
0.34▲
2024 · 0.14
Interest coverage
-1.19▲
2024 · -7.10
Debt ≤ 1 year
€76,642▼
2024 · €86,945
Debt > 1 year
€79,848▲
2024 · €28,929
Staff costs
€181,007▲
2024 · €175,626
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 7.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,010 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €38,336 | €43,693 | €50,440 | €175,626 | €181,007 | ▲ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,456 | €8,613 | €9,296 | €21,510 | €21,905 | ▲ 1.8% |
| Other operating charges640/8 | €1,522 | €2,031 | €2,739 | €3,392 | €4,640 | ▲ 36.8% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €75,608 | €56,470 | €60,523 | €148,325 | €173,623 | ▲ 17.1% |
| Operating profit (loss)9901 | €28,294 | €2,132 | -€1,953 | -€52,203 | -€33,929 | ▲ 35.0% |
| Financial income75/76B | €126 | €510 | €710 | €216 | €71 | ▼ 67.3% |
| Recurring financial income75 | €126 | €510 | €710 | €216 | €71 | ▼ 67.3% |
| Financial charges65/66B | €2,630 | €1,477 | €1,692 | €4,324 | €10,067 | ▲ 133% |
| Recurring financial charges65 | €2,630 | €1,477 | €1,692 | €4,324 | €10,067 | ▲ 133% |
| Profit (loss) for the period before taxes9903 | €25,789 | €1,165 | -€2,934 | -€56,312 | -€43,925 | ▲ 22.0% |
| Income taxes67/77 | €2,953 | €783 | €0 | - | - | - |
| Profit (loss) for the period9904 | €22,836 | €383 | -€2,934 | -€56,312 | -€43,925 | ▲ 22.0% |
| Profit (loss) for the period to be appropriated9905 | €22,836 | €383 | -€2,934 | -€56,312 | -€43,925 | ▲ 22.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €89,536 | €73,434 | €153,097 | €103,871 | €100,561 | ▼ 3.2% |
| Fixed assets21/28 | €47,523 | €42,978 | €103,148 | €81,638 | €62,172 | ▼ 23.8% |
| Intangible fixed assets21 | €18,233 | €15,833 | €13,433 | €11,033 | €8,633 | ▼ 21.8% |
| Tangible fixed assets22/27 | €29,190 | €27,045 | €83,375 | €64,265 | €47,199 | ▼ 26.6% |
| Plant, machinery and equipment23 | €29,190 | €27,045 | €23,391 | €16,346 | €10,251 | ▼ 37.3% |
| Furniture and vehicles24 | - | - | €14,926 | €11,926 | €10,021 | ▼ 16.0% |
| Other tangible fixed assets26 | - | - | €45,058 | €35,993 | €26,927 | ▼ 25.2% |
| Financial fixed assets28 | €100 | €100 | €6,340 | €6,340 | €6,340 | = |
| Current assets29/58 | €42,013 | €30,456 | €49,949 | €22,233 | €38,389 | ▲ 72.7% |
| Amounts receivable after more than one year29 | - | €573 | €0 | - | - | - |
| Other amounts receivable291 | - | €573 | €0 | - | - | - |
| Stocks and contracts in progress3 | €6,146 | €9,293 | €9,180 | €10,118 | €12,064 | ▲ 19.2% |
| Stocks30/36 | €6,146 | €9,293 | €9,180 | €10,118 | €12,064 | ▲ 19.2% |
| Amounts receivable within one year40/41 | €3,050 | €1,069 | €13,165 | €3,885 | €4,646 | ▲ 19.6% |
| Trade receivables40 | €600 | €65 | €10,770 | €776 | €352 | ▼ 54.6% |
| Other amounts receivable41 | €2,450 | €1,004 | €2,395 | €3,109 | €4,294 | ▲ 38.1% |
| Cash at bank and in hand54/58 | €32,818 | €17,186 | €25,241 | €8,230 | €19,472 | ▲ 137% |
| Deferred charges and accrued income490/1 | - | €2,334 | €2,363 | €0 | €2,206 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €89,536 | €73,434 | €153,097 | €103,871 | €100,561 | ▼ 3.2% |
| Equity10/15 | €46,860 | €47,243 | €44,308 | -€12,003 | -€55,928 | ▼ 366% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €41,860 | €42,243 | €39,308 | -€17,003 | -€60,928 | ▼ 258% |
| Amounts payable17/49 | €42,676 | €26,192 | €108,789 | €115,874 | €156,490 | ▲ 35.1% |
| Amounts payable after more than one year17 | €14,140 | €0 | €34,755 | €28,929 | €79,848 | ▲ 176% |
| Financial debts170/4 | €6,844 | €0 | €24,669 | €13,103 | €895 | ▼ 93.2% |
| Other amounts payable178/9 | €7,296 | €0 | €10,086 | €15,826 | €78,953 | ▲ 399% |
| Amounts payable within one year42/48 | €28,202 | €26,192 | €74,033 | €86,945 | €76,642 | ▼ 11.9% |
| Current portion of amounts payable after more than one year42 | €10,074 | €6,844 | €10,331 | €11,616 | €12,201 | ▲ 5.0% |
| Trade debts44 | €6,956 | €11,603 | €43,698 | €40,973 | €29,863 | ▼ 27.1% |
| Suppliers440/4 | €6,956 | €11,603 | €43,698 | €40,973 | €29,863 | ▼ 27.1% |
| Taxes, remuneration and social security45 | €11,172 | €7,745 | €20,005 | €34,356 | €34,577 | ▲ 0.6% |
| Taxes450/3 | €8,784 | €6,516 | €3,245 | €14,617 | €14,203 | ▼ 2.8% |
| Remuneration and social security454/9 | €2,388 | €1,229 | €16,760 | €19,739 | €20,374 | ▲ 3.2% |
| Accrued charges and deferred income492/3 | €335 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,836 | €383 | -€2,934 | -€56,312 | -€43,925 | ▲ 22.0% |
| + Depreciation and write-downs630 | €7,456 | €8,613 | €9,296 | €21,510 | €21,905 | ▲ 1.8% |
| Operating cash flow (approximation) | €30,292 | €8,996 | €6,362 | -€34,801 | -€22,020 | ▲ 36.7% |
| Investment in fixed assets (approximation) | - | -€4,069 | -€69,466 | €0 | -€2,439 | - |
| Change in cash | - | -€15,631 | €8,054 | -€17,010 | €11,242 | ▲ 166% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
State Gazette act
Appointment: Leen Hamblok (director)Declaration8 facts ▸
State Gazette act
Appointment: Leen Hamblok (director)
Declaration8 facts ▸
- General meeting, 01-05-2026
- Director appointment, Leen Hamblok (director)
- Declaration, acceptance of mandate and absence of impediment
- Board composition, van de Ven Petrus (director)
- Board composition, Stigter Marcel (director)
- Board composition, Peeters Frédérique (director)
- Board composition, Leen Hamblok (director)
- Director in office, van de Ven Petrus (director)
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€56,312
Net result drops to -€56,312, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €22,836 ▲20%
Operating result €28,294, net result €22,836, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Leen Hamblok
CurrentDirector · since 01-05-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Pelt · 2 establishment units since 2019
Ground area
1,338 m²
Building footprint
82 m²
Volume, LiDAR
720 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
DEN ARTIEST
since 20192.291.787.227
BAROQUE
since 20232.351.557.538
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025E0082/00T000 | Flanders | 1,197 m² | 1 · 12 m² | 5.9 m · 1 fl. |
| 72025B0829/00D002 | Flanders | 141 m² | 1 · 70 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Leen Hamblok |
|
Articles of association
Who signs
Each director alone
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Subsidies and aid
Flemish government
2025 · 1 entry · 1,133 EUR awarded · 1,133 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,133 EUR | 1,133 EUR |
Schemes
Recognitions · licences · registrations
Food safety, FASFC
2 sitesPelt2.291.787.227
Pelt2.351.557.538
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 13,991 companies in this sector we hold annual accounts for 4,899. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded24-06-2019
Fiscal year end31-12
Trade name NL
DEN ARTIEST
Activities, NACEBEL 2025
56301Cafés and bars
Contact
Phone
011/18.88.88Pelt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0728813458
Also
9925:BE0728813458
Registered
01-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.