Schameleon
ActiveSchameleon has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141k and a net result of €98k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 2.79 in 2024; short-term debt: 43.7% and cash: 89.6% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
56.3%
Return on assets
39.1%
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 19-07-2026, 12 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
12 d early
2024
29 d late
2023
4 d late
2022
15 d early
2021
19 d late
2020
13 d early
2019
57 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€141k▼ 25.1%
2024 · €189k
2018: €60k
2019: €107k
2020: €170k
2021: €228k
2022: €228k
2023: €235k
2024: €189k
2018 → 2025
Total assets
€251k▼ 13.3%
2024 · €289k
2018: €109k
2019: €162k
2020: €205k
2021: €243k
2022: €319k
2023: €332k
2024: €289k
2018 → 2025
Net result
€98k▲ 9.7%
2024 · €89k
2018: €47k
2019: €48k
2020: €64k
2021: €59k
2022: €74k
2023: €88k
2024: €89k
2018 → 2025
Working capital
€134k▼ 25.7%
2024 · €180k
2018: €56k
2019: €103k
2020: €164k
2021: €218k
2022: €223k
2023: €233k
2024: €180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€228k-€228k=€235k▲ 3.1%€189k▼ 19.6%€141k▼ 25.1%
Operating result€83k-€93k▲ 12.2%€112k▲ 20.9%€114k▲ 1.7%€125k▲ 10.1%
Net result€59k-€74k▲ 25.0%€88k▲ 19.8%€89k▲ 1.4%€98k▲ 9.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€7k▼ 13.3%
Current assets
€244k▼ 13.3%
Equity and liabilities €251k
Equity
€141k▼ 25.1%
Debt
€110k▲ 9.0%
The debt ratio rises from 34.7% to 43.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€128k▲
2024 · €117k
Cash flow
€101k▲
2024 · €92k
Solvency
56.3%▼
2024 · 65.3%
Current ratio
2.22▼
2024 · 2.79
Quick ratio
2.22▼
2024 · 2.79
Debt / equity
0.78▲
2024 · 0.53
ROE
69.3%▲
2024 · 47.3%
ROA
39.1%▲
2024 · 30.9%
Interest coverage
910.42▲
2024 · 611.50
Debt
€110k▲
2024 · €101k
Debt ≤ 1 year
€110k▲
2024 · €101k
Income taxes
€27k▲
2024 · €25k
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€289k€251k▼
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€7k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24-€1k
Current assets29/58€281k€244k▼
Amounts receivable within one year40/41€16k€19k▲
Trade receivables40€14k€18k▲
Other amounts receivable41€2k€681▼
Cash at bank and in hand54/58€264k€225k▼
Equity and liabilities
Total equity and liabilities10/49€289k€251k▼
Equity10/15€189k€141k▼
Contributions10/11€19k€19k=
Reserves13€170k€123k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€168k€121k▼
Amounts payable17/49€101k€110k▲
Amounts payable within one year42/48€101k€110k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€23k€25k▲
Other amounts payable47/48€76k€83k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8-€187
Gross operating margin9900€117k€128k▲
Operating profit (loss)9901€114k€125k▲
Financial income75/76B€126-
Recurring financial income75€126-
Financial charges65/66B€191€141▼
Recurring financial charges65€191€141▼
Profit (loss) for the period before taxes9903€114k€125k▲
Income taxes67/77€25k€27k▲
Profit (loss) for the period9904€89k€98k▲
Profit (loss) for the period to be appropriated9905€89k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€98k▲
Transfer from equity791/2€46k€47k▲
Profit to be distributed694/7€135k€145k▲
Return on contributions (dividend)694€135k€145k▲
The notes to these accounts (5 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
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €98k ▲9.7%
Operating result €125k, net result €98k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
04-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 4 days late
2023
16-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 15.84
Current ratio from 6.43 to 15.84; short-term debt falls from €30k to €15k.
31-12
Financial
Equity above €200kEq €228k ▲34.2%
4 profitable years in a row build equity to €228k.
18-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €170k ▲58.8%
3 profitable years in a row build equity to €170k.
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 57 days late
2019
31-12
Financial
Equity above €100kEq €107k ▲79.7%
2 profitable years in a row build equity to €107k.
15-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Halen · 1 establishment unit since 2017
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.
Liebroekstraat 1483545 HalenGround area
949 m²
Building footprint
124 m²
Volume, LiDAR
1 m³
Parcel 71020A0385/00A002, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Schameleon
since 20172.268.653.123
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71020A0385/00A002 | Flanders | 949 m² | 1 · 124 m² | 0.3 m |
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.
Similar companies · same sector, comparable size
Key2Profit
BE 0675.482.462
Etterbeek · Eq €141k
Streamline
BE 0805.248.270
Haaltert · Eq €141k
BYS CONSULTING
BE 0897.323.145
Vorst · Eq €141k
QUARANTE
BE 0629.895.729
Houthalen-Helchteren · Eq €141k
SOCIETE MALMEDIENNE DE GESTION ET DE CONSEILS
BE 0417.619.444
Malmedy · Eq €141k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,879 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.