Résidence Churchill
ActiveRésidence Churchill has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.63M and a net result of €-99k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 27% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-12
Solvency50▼-1
Growth37▼-17
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.96 in 2024; short-term debt: 19.9% and cash: 11.6% of total assets), but 74.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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 dateAge against the risk zone
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
25.3%
Return on assets
-1.5%
Age of the figures
9 mo
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
7 d early
2023
173 d late
2022
11 d early
2021
18 d early
2020
4 d early
2019
83 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.19M▲ 2.4%
2024 · €4.09M
2018: €3.26M
2019: €3.35M
2020: €3.34M
2021: €3.42M
2022: €3.88M
2023: €4.24M
2024: €4.09M
2018 → 2025
EBIT margin
1.6%▼ 4.0pp
2024 · 5.6%
2018: 10.6%
2019: 10.7%
2020: 11.1%
2021: 6.6%
2022: 8.0%
2023: 6.4%
2024: 5.6%
2018 → 2025
Net result
€-99k
2024 · €133k
2018: €124k
2019: €-633k
2020: €216k
2021: €113k
2022: €171k
2023: €138k
2024: €133k
2018 → 2025
Working capital
€815k▼ 35.0%
2024 · €1.26M
2018: €2.00M
2019: €2.03M
2020: €1.96M
2021: €1.71M
2022: €1.60M
2023: €1.43M
2024: €1.26M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.42M-€3.88M▲ 13.5%€4.24M▲ 9.2%€4.09M▼ 3.4%€4.19M▲ 2.4%
Equity€1.80M-€1.84M▲ 2.4%€1.85M▲ 0.5%€1.86M▲ 0.3%€1.63M▼ 12.2%
Operating result€225k-€311k▲ 38.3%€272k▼ 12.4%€228k▼ 16.3%€65k▼ 71.4%
Net result€113k-€171k▲ 51.3%€138k▼ 19.6%€133k▼ 3.1%€-99k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.45M
Fixed assets
€4.35M▼ 5.7%
Current assets
€2.10M▼ 18.1%
Equity and liabilities €6.45M
Equity
€1.63M▼ 12.2%
Debt
€4.82M▼ 9.3%
The debt ratio rises from 74.1% to 74.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€403k▼
2024 · €562k
Cash flow
€239k▼
2024 · €468k
Solvency
25.3%▼
2024 · 25.9%
Current ratio
1.64▼
2024 · 1.96
Quick ratio
1.64▼
2024 · 1.96
Debt / equity
2.96▲
2024 · 2.87
ROE
-6.1%▼
2024 · 7.2%
ROA
-1.5%▼
2024 · 1.9%
Interest coverage
2.78▼
2024 · 3.49
Debt
€4.82M▼
2024 · €5.32M
Debt ≤ 1 year
€1.28M▼
2024 · €1.31M
Debt > 1 year
€3.47M▼
2024 · €3.95M
Staff costs
€4.54M▲
2024 · €4.20M
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€7.18M€6.45M▼
Fixed assets21/28€4.61M€4.35M▼
Intangible fixed assets21-€558
Tangible fixed assets22/27€4.61M€4.35M▼
Land and buildings22€4.53M€4.28M▼
Plant, machinery and equipment23€39k€34k▼
Furniture and vehicles24€44k€39k▼
Current assets29/58€2.56M€2.10M▼
Amounts receivable after more than one year29€700k€515k▼
Other amounts receivable291€700k€515k▼
Amounts receivable within one year40/41€736k€800k▲
Trade receivables40€279k€245k▼
Other amounts receivable41€457k€555k▲
Current investments50/53€500k-
Cash at bank and in hand54/58€607k€746k▲
Deferred charges and accrued income490/1€18k€38k▲
Equity and liabilities
Total equity and liabilities10/49€7.18M€6.45M▼
Equity10/15€1.86M€1.63M▼
Contributions10/11€336k€336k=
Capital10€336k€336k=
Profit (loss) carried forward14€-369k€-469k▼
Investment grants15€1.89M€1.76M▼
Amounts payable17/49€5.32M€4.82M▼
Amounts payable after more than one year17€3.95M€3.47M▼
Financial debts170/4€3.95M€3.47M▼
Credit institutions173€3.95M€3.47M▼
Amounts payable within one year42/48€1.31M€1.28M▼
Current portion of amounts payable after more than one year42€488k€500k▲
Trade debts44€184k€115k▼
Suppliers440/4€184k€115k▼
Taxes, remuneration and social security45€632k€667k▲
Taxes450/3€40k€36k▼
Remuneration and social security454/9€592k€632k▲
Accrued charges and deferred income492/3€64k€68k▲
Income statement
Code20242025
Operating income70/76A€5.95M€6.16M▲
Turnover70€4.09M€4.19M▲
Other operating income74€88k€108k▲
Operating charges60/66A€5.72M€6.10M▲
Goods for resale, raw materials and consumables60€330k€329k▼
Purchases600/8€330k€329k▼
Services and other goods61€844k€881k▲
Remuneration, social security and pensions62€4.20M€4.54M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€334k€338k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€12k€7k▼
Operating profit (loss)9901€228k€65k▼
Financial income75/76B€69k€42k▼
Recurring financial income75€63k€40k▼
Other financial income752/9€63k€40k▼
Non-recurring financial income76B€6k€1k▼
Financial charges65/66B€163k€206k▲
Recurring financial charges65€161k€145k▼
Debt charges650€161k€145k▼
Other financial charges652/9€286€295▲
Non-recurring financial charges66B€2k€61k▲
Profit (loss) for the period before taxes9903€133k€-99k▼
Profit (loss) for the period9904€133k€-99k▼
Profit (loss) for the period to be appropriated9905€133k€-99k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-369k€-469k▼
Profit (loss) brought forward from the previous period14P€-503k€-369k▲
Social balance
Average headcount (FTE)908766.767.5▲
The notes to these accounts (51 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
2026
05-08
State Gazette act
Resignations & appointmentsBoard meeting · General meeting · Director resignation5 facts ▸
State Gazette act
Resignations & appointments
Board meeting · General meeting · Director resignation5 facts ▸
- Board meeting, 15/06/2026
- General meeting, 29/06/2026
- Director resignation, CAUSSIN Michel (administrateur)
- Member resignation, CAUSSIN Michel
- Director appointment, LARUE Pierre (administrateur)
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
20-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 173 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €216k
Net result €216k after one loss-making year.
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 83 days late
2019
31-12
Financial
Weakest financial yearnet €-633k ▼613%
Net result drops to €-633k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 290 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
LARUE Pierre
CurrentDirector · since 29-06-2026
05-08-2026
CAUSSIN Michel: Resigned as Director
29-06-2026
LARUE Pierre: Appointed as Director
Location & real-estate footprint
Registered office, Dinant · 1 establishment unit since 1989
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.
Rue du Collège 25500 DinantGround area
1,941 m²
Building footprint
150 m²
Volume, LiDAR
2,469 m³
Parcel 91034G0343/00S000, Wallonia · tallest building 20.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Résidence Churchill
since 19892.155.136.201
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034G0343/00S000 | Wallonia | 1,940 m² | 1 · 150 m² | 20.1 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDinant2.155.136.201
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Of 601 companies in sector 87301 we hold annual accounts for 493. 388 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded04-07-1989
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.