PREMIUM CHAPE
ActivePREMIUM CHAPE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €169k. Equity is growing by ~77.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+14
Solvency81▲+8
Growth85=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.7 against 1.9 in 2024; short-term debt: 25.1% and cash: 24.2% of total assets), and 44.4% of the assets are financed with debt.
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○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
55.6%
Return on assets
24.3%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-10-2025, 114 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
114 d early
2024
3 d late
2023
on the day
2022
111 d late
2021
21 d early
2020
17 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€592k▲ 302%
2022 · €147k
2022: €147k
2022 → 2023
EBIT margin
19.9%▼ 13.4pp
2022 · 33.2%
2022: 33.2%
2022 → 2023
Net result
€169k▲ 218%
2024 · €53k
2019: €13k
2020: €2k
2021: €-763
2022: €39k
2023: €93k
2024: €53k
2019 → 2025
Working capital
€470k▲ 136%
2024 · €199k
2019: €17k
2020: €13k
2021: €16k
2022: €59k
2023: €149k
2024: €199k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€147k€592k▲ 302%
Equity€20k-€59k▲ 198%€152k▲ 158%€205k▲ 35.0%€386k▲ 88.4%
Operating result€-699-€49k€118k▲ 140%€86k▼ 27.1%€227k▲ 164%
Net result€-763-€39k€93k▲ 138%€53k▼ 42.9%€169k▲ 218%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 164% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €694k
Fixed assets
€50k▲ 808%
Current assets
€644k▲ 53.1%
Equity and liabilities €694k
Equity
€386k▲ 88.4%
Debt
€308k▲ 39.1%
The debt ratio falls from 52.0% to 44.4%. Equity and debt are higher.
Key figures and ratios
Solvency
55.6%▲
2024 · 48.0%
Current ratio
3.70▲
2024 · 1.90
Quick ratio
3.70▲
2024 · 1.90
Debt / equity
0.80▼
2024 · 1.08
ROE
43.7%▲
2024 · 25.9%
ROA
24.3%▲
2024 · 12.4%
Debt
€308k▲
2024 · €222k
Debt ≤ 1 year
€174k▼
2024 · €222k
Debt > 1 year
€134k
Income taxes
€56k▲
2024 · €26k
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€426k€694k▲
Fixed assets21/28€5k€50k▲
Tangible fixed assets22/27€5k€50k▲
Plant, machinery and equipment23€4k€43k▲
Furniture and vehicles24€2k€7k▲
Current assets29/58€421k€644k▲
Amounts receivable within one year40/41€406k€476k▲
Trade receivables40€332k€452k▲
Other amounts receivable41€75k€24k▼
Cash at bank and in hand54/58€14k€168k▲
Deferred charges and accrued income490/1€945-
Equity and liabilities
Total equity and liabilities10/49€426k€694k▲
Equity10/15€205k€386k▲
Contributions10/11€6k€19k▲
Outside capital11€6k-
Share premium1100/10€6k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311-€2k
Other1319€2k-
Profit (loss) carried forward14€197k€365k▲
Amounts payable17/49€222k€308k▲
Amounts payable after more than one year17-€134k
Financial debts170/4-€134k
Amounts payable within one year42/48€222k€174k▼
Current portion of amounts payable after more than one year42-€23k
Trade debts44€181k€44k▼
Suppliers440/4€33k€44k▲
Bills of exchange payable441€148k-
Taxes, remuneration and social security45€41k€106k▲
Taxes450/3€41k€106k▲
Other amounts payable47/48€393€393=
Income statement
Code20242025
Remuneration, social security and pensions62€95-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€26k-
Gross operating margin9900€113k€227k▲
Operating profit (loss)9901€86k€227k▲
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€79k€225k▲
Income taxes67/77€26k€56k▲
Profit (loss) for the period9904€53k€169k▲
Profit (loss) for the period to be appropriated9905€53k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€197k€365k▲
Profit (loss) brought forward from the previous period14P€144k€197k▲
The notes to these accounts (6 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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €169k ▲218%
Operating result €227k, net result €169k, both a record.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Equity above €200kEq €205k ▲35%
3 profitable years in a row build equity to €205k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €152k ▲158%
2 profitable years in a row build equity to €152k.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 111 days late
2022
30-06
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-763 ▼146%
Net result drops to €-763, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 3.67
Current ratio from 1.66 to 3.67; short-term debt falls from €19k to €6k.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Pieters-Leeuw · 1 establishment unit since 2018
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.
Bergensesteenweg 241600 Sint-Pieters-LeeuwGround area
2,617 m²
Building footprint
860 m²
Volume, LiDAR
10,625 m³
2 parcels, Brussels, Flanders · tallest building 20.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
DM Group Construct
since 20182.279.560.970
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 fl. |
| 21526D0082/00L004 | Brussels | 979 m² | 1 · 462 m² | 20.0 m · 6 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.
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DESIGN CONSTRUCT
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Debackere Agro
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RENOVATION le Grelle
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Liège · Eq €384k
Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 2,332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2018
Fiscal year end30-06
Activities, NACEBEL
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.