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PRO INSTALL CHIPERI

Active
Private limited companyfounded 20233 yrs activeHospitaalstraat 65, 8930 Menen, BelgiumKBO/BCE: BE 0803.866.615
Summary

The computed 12-month bankruptcy probability of PRO INSTALL CHIPERI is 2.3% (moderate). The 2025 annual accounts show equity of €61,076 and a net result of €66,610. Its solvency ranks better than 37% of 28184 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
59 / 100
Fair
The bankruptcy probability (2.3%) is taken into account and brings the score to 59. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+99
Solvency60▲+45
Growth85
Track record94
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 0.89 in 2024; short-term debt: 65.1% and cash: 8.7% of total assets), and 65.1% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
34.9%
Return on assets
38.1%
Age of the figures
12 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-07-2026, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filings
Deviation from the deadline
2025
91 d late
2024
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 46 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
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

PRO INSTALL CHIPERI was incorporated on 12 July 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Turnover
€438,937▲ 171%
2024 · €162,218
EBIT margin
18.6%▲ 23.8pp
2024 · -5.2%
Net result
€66,610
2024 · -€8,535
Working capital
€44,423
2024 · -€6,622
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Turnover€162,218-€438,937▲ 171%
Operating result-€8,477-€81,517
Net result-€8,535-€66,610
EBIT margin-5.2%-18.6%▲ 23.8pp
Equity-€5,535-€61,076
Total assets€53,506-€174,756▲ 227%
Debt€59,041-€113,681▲ 92.5%
Working capital-€6,622-€44,423
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€25,000€0€25,000€50,000€75,000Operating result 2024: -€8,477-€8,477Net result 2024: -€8,535-€8,535Operating result 2025: €81,517€81,517Net result 2025: €66,610€66,61020242025-€25,000€0€25,000€50,000€75,000Operating result 2024: -€8,477-€8,480Net result 2024: -€8,535-€8,530Operating result 2025: €81,517€81,500Net result 2025: €66,610€66,60020242025
The operating result returns to profit in 2025: €81,517 after a loss of €8,477 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174,756
Fixed assets €16,653 ▲ 1,431%
Current assets €158,103 ▲ 202%
Equity and liabilities €174,756
Equity €61,076
Debt €113,681
Debt finances 65.1% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€83,690▲
2024 · -€8,146
Cash flow
€68,784▲
2024 · -€8,204
Current ratio
1.39▲
2024 · 0.89
Debt to equity
1.86▲
2024 · -10.67
ROE
109.1%
ROA
38.1%▲
2024 · -16.0%
Interest coverage
259.47▲
2024 · -65.97
Debt ≤ 1 year
€113,681▲
2024 · €59,041
Income taxes
€14,634
Staff costs
€1,097
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

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

For this company itself Checked computes a higher bankruptcy probability: 2.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 39,275 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 · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€53,506€174,756▲
Fixed assets21/28€1,088€16,653▲
Tangible fixed assets22/27€1,088€11,083▲
Plant, machinery and equipment23€1,088€804▼
Furniture and vehicles24-€10,279
Financial fixed assets28-€5,570
Current assets29/58€52,419€158,103▲
Amounts receivable within one year40/41€42,851€100,492▲
Trade receivables40€42,018€69,126▲
Other amounts receivable41€833€31,365▲
Cash at bank and in hand54/58€9,568€15,151▲
Deferred charges and accrued income490/1-€42,461
Equity and liabilities
Total equity and liabilities10/49€53,506€174,756▲
Equity10/15-€5,535€61,076▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14-€8,535€58,076▲
Amounts payable17/49€59,041€113,681▲
Amounts payable within one year42/48€59,041€113,681▲
Trade debts44€59,041€99,047▲
Suppliers440/4€19,004€3,528▼
Bills of exchange payable441€40,036€95,518▲
Taxes, remuneration and social security45-€14,634
Taxes450/3-€14,634
Income statement Code20242025
Turnover70€162,218€438,937▲
Goods, raw materials, services and sundry goods60/61€170,364€354,676▲
Remuneration, social security and pensions62-€1,097
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€331€2,173▲
Other operating charges640/8-€316
Gross operating margin9900-€8,146€85,103▲
Operating profit (loss)9901-€8,477€81,517▲
Financial income75/76B€66€50▼
Recurring financial income75€66€50▼
Financial charges65/66B€123€323▲
Recurring financial charges65€123€323▲
Profit (loss) for the period before taxes9903-€8,535€81,244▲
Income taxes67/77-€14,634
Profit (loss) for the period9904-€8,535€66,610▲
Profit (loss) for the period to be appropriated9905-€8,535€66,610▲
Appropriation of the result
Profit (loss) to be appropriated9906-€8,535€58,076▲
Profit (loss) brought forward from the previous period14P--€8,535

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Turnover70€162,218€438,937▲ 171%
Goods, raw materials, services and sundry goods60/61€170,364€354,676▲ 108%
Remuneration, social security and pensions62-€1,097-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€331€2,173▲ 557%
Other operating charges640/8-€316-
Gross operating margin9900-€8,146€85,103▲ 1,145%
Operating profit (loss)9901-€8,477€81,517▲ 1,062%
Financial income75/76B€66€50▼ 24.2%
Recurring financial income75€66€50▼ 24.2%
Financial charges65/66B€123€323▲ 161%
Recurring financial charges65€123€323▲ 161%
Profit (loss) for the period before taxes9903-€8,535€81,244▲ 1,052%
Income taxes67/77-€14,634-
Profit (loss) for the period9904-€8,535€66,610▲ 880%
Profit (loss) for the period to be appropriated9905-€8,535€66,610▲ 880%
Line20242025Change
Assets
Total assets20/58€53,506€174,756▲ 227%
Fixed assets21/28€1,088€16,653▲ 1,431%
Tangible fixed assets22/27€1,088€11,083▲ 919%
Plant, machinery and equipment23€1,088€804▼ 26.1%
Furniture and vehicles24-€10,279-
Financial fixed assets28-€5,570-
Current assets29/58€52,419€158,103▲ 202%
Amounts receivable within one year40/41€42,851€100,492▲ 135%
Trade receivables40€42,018€69,126▲ 64.5%
Other amounts receivable41€833€31,365▲ 3,666%
Cash at bank and in hand54/58€9,568€15,151▲ 58.3%
Deferred charges and accrued income490/1-€42,461-
Equity and liabilities
Total equity and liabilities10/49€53,506€174,756▲ 227%
Equity10/15-€5,535€61,076▲ 1,204%
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14-€8,535€58,076▲ 780%
Amounts payable17/49€59,041€113,681▲ 92.5%
Amounts payable within one year42/48€59,041€113,681▲ 92.5%
Trade debts44€59,041€99,047▲ 67.8%
Suppliers440/4€19,004€3,528▼ 81.4%
Bills of exchange payable441€40,036€95,518▲ 139%
Taxes, remuneration and social security45-€14,634-
Taxes450/3-€14,634-
Line20242025Change
Profit (loss) for the period9904-€8,535€66,610▲ 880%
+ Depreciation and write-downs630€331€2,173▲ 557%
Operating cash flow (approximation)-€8,204€68,784▲ 938%
Investment in fixed assets (approximation)--€17,739-
Change in cash-€5,583-

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

Next filing, fiscal year 2026, expected by 30-04-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 91 days late
2025
30-09
Financial Back to profitnet €66,610
Net result €66,610 after one loss-making year.
30-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Menen · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
444 m²
Building footprint
55 m²
Volume, LiDAR
490 m³
Parcel 34024C0252/00H006, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
PRO INSTALL CHIPERI
Hospitaalstraat 65, 8930 MenenGeneral construction of buildings
since 20232.347.150.471
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34024C0252/00H006 Flanders 444 m² 1 · 55 m² 11.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 7,043 companies in sector 43221 we hold annual accounts for 3,473. 3,011 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded12-07-2023
Fiscal year end30-09
Activities, NACEBEL 2025
43221Plumbing work
43211General electrical installation work
43320Joinery installation
43410Roofing work
46130Agents in the wholesale of timber and building materials
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803866615
Also 9925:BE0803866615
Registered 27-10-2024

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.