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L'HERBORISTERIE DE CHANTEMELLE

Active
Private limited company (pre-2019)founded 200422 yrs activeRue Sonnetty 39, 6700 Arlon, BelgiumKBO/BCE: BE 0865.187.540
Summary

L'HERBORISTERIE DE CHANTEMELLE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7,199 and a net result of -€3,788. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 6545 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0▼-72
Solvency88▼-7
Growth24▼-3
Track record100
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024
Solvency, return and age of the figures
Solvency
63.1%
Return on assets
-33.2%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 22 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-09-2025, 35 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
not confirmed
2024
35 d late
2023
77 d late
2022
on the day
2020
17 d early
2019
17 d early
2018
5 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 12 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
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

History

On 7 May 2004, L'HERBORISTERIE DE CHANTEMELLE was incorporated.1 In 2026 the company took the name PMI CONSTRUCTION.2 The registered office was moved to Arlon in 2026.2 IONESCU Mihai-Petru has served as sole director of the company since 2025.2 Revenue went from EUR 36,509 in 2020 to EUR 26,075 in 2024.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 28-08-2026
  3. 3National Bank, annual accounts 2020 and 2024

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Financials · fiscal year 2024, full schema

Turnover
€26,075▼ 16.4%
2023 · €31,181
EBIT margin
-10.4%▼ 17.3pp
2023 · 6.9%
Net result
-€3,788
2023 · €2,016
Working capital
€7,199▼ 34.5%
2023 · €10,987
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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 47, Retail trade, 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).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20192020202220232024
Turnover€36,509€31,181€26,075▼ 16.4%
Operating result€983▼ 87.0%-€1,257-€919-€2,142-€2,721
Net result€108▼ 97.6%-€1,631within the sector's middle half-€1,122within the sector's middle half-€2,016within the sector's middle half-€3,788below the sector's middle half
EBIT margin-3.4%6.9%-10.4%▼ 17.3pp
Equity€12,498▲ 0.9%€10,867within the sector's middle half▼ 13.0%€8,971below the sector's middle half-€10,987below the sector's middle half▲ 22.5%€7,199below the sector's middle half▼ 34.5%
Total assets€24,635▼ 8.3%€20,076below the sector's middle half▼ 18.5%€14,711below the sector's middle half-€15,619below the sector's middle half▲ 6.2%€11,405below the sector's middle half▼ 27.0%
Debt€12,138▼ 16.2%€9,209▼ 24.1%€5,739-€4,632▼ 19.3%€4,207▼ 9.2%
Working capital€5,997▲ 67.6%€6,533within the sector's middle half▲ 8.9%€8,971within the sector's middle half-€10,987within the sector's middle half▲ 22.5%€7,199within the sector's middle half▼ 34.5%
Solvency50.7%▲ 4.6pp54.1%within the sector's middle half▲ 3.4pp61.0%above the sector's middle half-70.3%above the sector's middle half▲ 9.4pp63.1%above the sector's middle half▼ 7.2pp
Current ratio1.49▲ 0.251.71within the sector's middle half▲ 0.222.56above the sector's middle half-3.37above the sector's middle half▲ 0.812.71above the sector's middle half▼ 0.66
Return on assets (ROA)0.4%▼ 16.5pp-8.1%below the sector's middle half▼ 8.6pp-7.6%below the sector's middle half-12.9%above the sector's middle half▲ 20.5pp-33.2%below the sector's middle half▼ 46.1pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€4,000-€2,000€0€2,000Operating result 2019: €983€983Net result 2019: €108€108Operating result 2020: -€1,257-€1,257Net result 2020: -€1,631-€1,631Operating result 2022: -€919-€919Net result 2022: -€1,122-€1,122Operating result 2023: €2,142€2,142Net result 2023: €2,016€2,016Operating result 2024: -€2,721-€2,721Net result 2024: -€3,788-€3,78820192020202220232024-€4,000-€2,000€0€2,000Operating result 2022: -€919-€919Net result 2022: -€1,122-€1,120Operating result 2023: €2,142€2,140Net result 2023: €2,016€2,020Operating result 2024: -€2,721-€2,720Net result 2024: -€3,788-€3,790202220232024
The operating result turns negative in 2024: a loss of €2,721 after €2,142 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €11,405
Equity €7,199 ▼ 34.5%
Debt €4,207 ▼ 9.2%
Debt's share of the balance-sheet total rises from 29.7% to 36.9%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
Quick ratio
0.45▼
2023 · 0.98
Debt to equity
0.58▲
2023 · 0.42
ROE
-52.6%▼
2023 · 18.3%
Debt ≤ 1 year
€4,207▼
2023 · €4,632
Income taxes
€635
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
1.7% went bankrupt
13% stopped otherwise
84% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.1% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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 5,834 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet Code20232024
Assets
Total assets20/58€15,619€11,405▼
Current assets29/58€15,619€11,405▼
Stocks and contracts in progress3€11,099€9,514▼
Stocks30/36€11,099€9,514▼
Amounts receivable within one year40/41€2,287€601▼
Trade receivables40€1,493€556▼
Other amounts receivable41€794€45▼
Cash at bank and in hand54/58€2,233€1,291▼
Equity and liabilities
Total equity and liabilities10/49€15,619€11,405▼
Equity10/15€10,987€7,199▼
Contributions10/11€6,200€6,200=
Capital10€6,200€6,200=
Issued capital100€18,600€18,600=
Uncalled capital101€12,400€12,400=
Reserves13€9,759€9,759=
Non-distributable reserves130/1€1,860€1,860=
Legal reserve130€1,860€1,860=
Distributable reserves133€7,899€7,899=
Profit (loss) carried forward14-€4,971-€8,760▼
Amounts payable17/49€4,632€4,207▼
Amounts payable within one year42/48€4,632€4,207▼
Trade debts44€365€154▼
Suppliers440/4€365€154▼
Other amounts payable47/48€4,266€4,052▼
Income statement Code20232024
Turnover70€31,181€26,075▼
Goods, raw materials, services and sundry goods60/61€28,715€28,796▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€323-
Gross operating margin9900€2,465-€2,721▼
Operating profit (loss)9901€2,142-€2,721▼
Financial income75/76B€37-
Recurring financial income75€37-
Financial charges65/66B€163€433▲
Recurring financial charges65€163€433▲
Profit (loss) for the period before taxes9903€2,016-€3,154▼
Income taxes67/77-€635
Profit (loss) for the period9904€2,016-€3,788▼
Profit (loss) for the period to be appropriated9905€2,016-€3,788▼
Appropriation of the result
Profit (loss) to be appropriated9906-€4,971-€8,760▼
Profit (loss) brought forward from the previous period14P-€6,987-€4,971▲
Line20192020202220232024Change
Turnover70-€36,509-€31,181€26,075▼ 16.4%
Goods, raw materials, services and sundry goods60/61---€28,715€28,796▲ 0.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,311€2,167€2,167€0--
Other operating charges640/8--€313€323--
Gross operating margin9900€3,596€1,215€1,561€2,465-€2,721▼ 210%
Operating profit (loss)9901€983-€1,257-€919€2,142-€2,721▼ 227%
Financial income75/76B--€34€37--
Recurring financial income75€38-€34€37--
Non-recurring financial income76B--€34---
Financial charges65/66B--€237€163€433▲ 166%
Recurring financial charges65€145-€237€163€433▲ 166%
Non-recurring financial charges66B--€237---
Profit (loss) for the period before taxes9903€876-€1,385-€1,122€2,016-€3,154▼ 256%
Income taxes67/77€768€246€0-€635-
Profit (loss) for the period9904€108-€1,631-€1,122€2,016-€3,788▼ 288%
Profit (loss) for the period to be appropriated9905€108-€1,631-€1,122€2,016-€3,788▼ 288%
Line20192020202220232024Change
Assets
Total assets20/58€24,635€20,076€14,711€15,619€11,405▼ 27.0%
Fixed assets21/28€6,501€4,334€0---
Tangible fixed assets22/27€6,501€4,334€0---
Land and buildings22--€0---
Plant, machinery and equipment23--€0---
Furniture and vehicles24--€0---
Current assets29/58€18,135€15,742€14,711€15,619€11,405▼ 27.0%
Stocks and contracts in progress3€14,012€12,635€11,392€11,099€9,514▼ 14.3%
Stocks30/36--€11,392€11,099€9,514▼ 14.3%
Amounts receivable within one year40/41€335€387€487€2,287€601▼ 73.7%
Trade receivables40--€0€1,493€556▼ 62.7%
Other amounts receivable41--€487€794€45▼ 94.4%
Cash at bank and in hand54/58€3,787€2,720€2,832€2,233€1,291▼ 42.2%
Equity and liabilities
Total equity and liabilities10/49€24,635€20,076€14,711€15,619€11,405▼ 27.0%
Equity10/15€12,498€10,867€8,971€10,987€7,199▼ 34.5%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Capital10--€6,200€6,200€6,200=
Issued capital100--€18,600€18,600€18,600=
Uncalled capital101--€12,400€12,400€12,400=
Reserves13€9,759€9,759€9,759€9,759€9,759=
Non-distributable reserves130/1--€1,860€1,860€1,860=
Legal reserve130--€1,860€1,860€1,860=
Distributable reserves133--€7,899€7,899€7,899=
Profit (loss) carried forward14-€3,461-€5,092-€6,987-€4,971-€8,760▼ 76.2%
Amounts payable17/49€12,138€9,209€5,739€4,632€4,207▼ 9.2%
Amounts payable within one year42/48€12,138€9,209€5,739€4,632€4,207▼ 9.2%
Trade debts44€895€785€71€365€154▼ 57.8%
Suppliers440/4--€71€365€154▼ 57.8%
Other amounts payable47/48--€5,668€4,266€4,052▼ 5.0%
Line20192020202220232024Change
Profit (loss) for the period9904€108-€1,631-€1,122€2,016-€3,788▼ 288%
+ Depreciation and write-downs630€2,311€2,167€2,167€0--
Operating cash flow (approximation)€2,419€536€1,045€2,016-€3,788▼ 288%
Investment in fixed assets (approximation)-€0----
Change in cash--€1,067--€599-€942▼ 57.4%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
28-08
State Gazette act Appointment: IONESCU Mihai-Petru (sole director)
Resignation: MAGEN Myriam (manager) · Statutes amendment · Capital conversion12 facts ▸
  • General meeting, assemblée générale extraordinaire
  • Statutes amendment
  • Capital conversion, compte de capitaux propres statutairement indisponible
  • Capital conversion, compte de capitaux propres 'apports non appelés'
  • Capital conversion, suppression du compte de capitaux propres statutairement indisponible, fonds disponibles pour distribution
  • Name change, PMI CONSTRUCTION
  • Purpose change
  • Statutes amendment
  • Capital
  • Registered-office move, 6700 Arlon, rue Sonnetty, 39/0001
  • Director appointment, IONESCU Mihai-Petru (sole director)
  • Director resignation, MAGEN Myriam (manager)
2025
04-09
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 35 days late
2024
31-12
Financial Weakest financial yearnet -€3,788
Net result drops to -€3,788, the lowest in the series.
16-10
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 77 days late
2023
31-12
Financial Back to profitnet €2,016
Net result €2,016 after 2 loss-making years.
31-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2021
14-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
26-07
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
10-08
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
23-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 23 days late
2015
27-08
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 27 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has 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 2025
IONESCU Mihai-Petru
Sole director · since 31-12-2025
Current
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
1 of this company's 2 Belgian State Gazette acts has 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, Arlon · 1 establishment unit since 2004
seat establishment The establishment unit on the map
Ground area
2,169 m²
Building footprint
387 m²
Volume, LiDAR
3,954 m³
2 parcels, Wallonia · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
L'HERBORISTERIE DE CHANTEMELLE
Rue du Sart-Macré,Chantemelle 23, 6742 EtalleNACE 5227204
since 20042.136.996.805
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
85004D0525/00A000 Wallonia 1,886 m² 1 · 208 m² 7.0 m · 2 fl.
81001A2069/00H008 Wallonia 283 m² 1 · 179 m² 20.1 m · 5 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

2 people since 2025, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
IONESCU Mihai-Petru
  • Sole director, from 31-12-2025 to date
MAGEN Myriam
  • Manager, until 31-12-2025
See the board, name and seat on a given date →

Articles of association

Who signs
“Article 12 – POUVOIRS DE L’ORGANE D’ADMINISTRATION S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs et sauf organisation par l’ assemblée…”
Full text

Article 12 – POUVOIRS DE L’ORGANE D’ADMINISTRATION S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs et sauf organisation par l’ assemblée générale d’un organe d’administration collégial, chaque administrateur agissant seul, peut accomplir tous les actes nécessaires ou utiles à l’accomplissement de l’objet, sous réserve de ceux que la loi et les statuts réservent à l’assemblée générale. Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit en défendant. Il peut déléguer des pouvoirs spéciaux à tout mandataire.

Daily management
The board decides whether the delegates act alone or jointly
Annual meeting
Last Saturday of June at 17:00
Purpose
L’exploitation d’une entreprise de construction générale; La rénovation de tout bâtiment; L’entretien d’espaces verts; L’électromécanique, l’assemblage, l’entretien et la…
Full purpose (6 activities)
  1. L’exploitation d’une entreprise de construction générale
  2. La rénovation de tout bâtiment
  3. L’entretien d’espaces verts
  4. L’électromécanique, l’assemblage, l’entretien et la réparation de machines et appareils électriques
  5. L’intervention comme intermédiaire de commerce y compris les brocantes et la vente de maroquinerie
  6. La vente en gros et au détail, l’achat, l’importation, l’exportation, la commercialisation de tous de tous produits se rapportant à son objet
Legal form clause
Other statement
Registered office clause
Région wallonne, La société peut établir, par simple décision de l’organe d’administration, des sièges administratifs, agences, ateliers, dépôts et succursales,…
Share issue rule
Libérées à leur émission
Board rule
Sans limitation de durée par défaut, 1
Gratuit sauf décision contraire de l'assemblée générale
Meeting notice
E-mails, quinze jours au moins avant l'assemblée
Meeting access
Toute personne peut renoncer à la convocation, si présente ou représentée
1 more provision on this in the deed
Voting rule
Procuration écrite à toute personne, actionnaire ou non, majorité des voix
Profit allocation
Par l'assemblée générale sur proposition de l'organe d'administration, dans les limites des articles 5:142 et 5:143 CSA
Liquidation distribution
Apurement des dettes, charges et frais de liquidation, entre tous les actionnaires en proportion de leurs actions

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

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Capital and shareholders

Capital over the years
  1. 28-08-2026 Converted to unavailable equity · 8,060 EUR
  2. 28-08-2026 Converted to uncalled contributions · 12,400 EUR

Similar companies · same sector, comparable size

Of 5,219 companies in this sector we hold annual accounts for 3,862. 618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company (pre-2019)
Founded07-05-2004
Fiscal year end31-12
Legal name FR PMI CONSTRUCTION
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
47279Other retail sale of food
E-invoicing
Not found in the Peppol register

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