THE CHESSBOARD
ActiveTHE CHESSBOARD has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €-8k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-28
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 10.23 against 8.49 in 2024; short-term debt: 8.7% and cash: 0.6% of total assets), and 11.6% 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 · 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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d late
2022
5 d early
2021
31 d late
2020
1 d early
2019
on the day
← 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
€150k▼ 5.0%
2024 · €158k
2018: €25k
2019: €57k
2020: €90k
2021: €134k
2022: €148k
2023: €156k
2024: €158k
2018 → 2025
Total assets
€169k▼ 9.1%
2024 · €186k
2018: €39k
2019: €70k
2020: €100k
2021: €148k
2022: €160k
2023: €167k
2024: €186k
2018 → 2025
Net result
€-8k
2024 · €2k
2018: €35k
2019: €32k
2020: €33k
2021: €44k
2022: €14k
2023: €8k
2024: €2k
2018 → 2025
Working capital
€136k▼ 7.2%
2024 · €147k
2018: €25k
2019: €57k
2020: €90k
2021: €132k
2022: €146k
2023: €146k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€148k▲ 10.1%€156k▲ 5.6%€158k▲ 1.1%€150k▼ 5.0%
Operating result€46k-€15k▼ 67.8%€16k▲ 6.8%€7k▼ 57.6%€-4k
Net result€44k-€14k▼ 68.9%€8k▼ 39.3%€2k▼ 79.5%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€19k▼ 8.0%
Current assets
€151k▼ 9.2%
Equity and liabilities €169k
Equity
€150k▼ 5.0%
Debt
€20k▼ 31.5%
The debt ratio falls from 15.5% to 11.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2024 · €7k
Cash flow
€-6k▼
2024 · €2k
Solvency
88.4%▲
2024 · 84.5%
Current ratio
10.23▲
2024 · 8.49
Quick ratio
8.99▲
2024 · 7.28
Debt / equity
0.13▼
2024 · 0.18
ROE
-5.3%▼
2024 · 1.1%
ROA
-4.7%▼
2024 · 0.9%
Interest coverage
-0.64▼
2024 · 2.50
Debt
€20k▼
2024 · €29k
Debt ≤ 1 year
€15k▼
2024 · €20k
Debt > 1 year
€4k▼
2024 · €8k
Income taxes
€120▼
2024 · €2k
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€186k€169k▼
Fixed assets21/28€20k€19k▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€14k€13k▼
Plant, machinery and equipment23€2k€2k▼
Other tangible fixed assets26€12k€11k▼
Financial fixed assets28€2k€2k=
Current assets29/58€166k€151k▼
Amounts receivable after more than one year29€127k€126k▼
Other amounts receivable291€127k€126k▼
Stocks and contracts in progress3€24k€18k▼
Stocks30/36€24k€18k▼
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€3k€4k▲
Other amounts receivable41€2k€184▼
Cash at bank and in hand54/58€8k€987▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€186k€169k▼
Equity10/15€158k€150k▼
Contributions10/11€19k€19k=
Reserves13€139k€131k▼
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€137k€129k▼
Amounts payable17/49€29k€20k▼
Amounts payable after more than one year17€8k€4k▼
Financial debts170/4€8k€4k▼
Amounts payable within one year42/48€20k€15k▼
Current portion of amounts payable after more than one year42€4k€4k=
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Accrued charges and deferred income492/3€900€650▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€559€2k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€10k€-870▼
Operating profit (loss)9901€7k€-4k▼
Financial income75/76B€325€60▼
Recurring financial income75€325€60▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€4k€-8k▼
Income taxes67/77€2k€120▼
Profit (loss) for the period9904€2k€-8k▼
Profit (loss) for the period to be appropriated9905€2k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-8k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€8k
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
The notes to these accounts (15 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼568%
Net result drops to €-8k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Equity above €150kEq €156k ▲5.6%
6 profitable years in a row build equity to €156k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €44k ▲30.9%
Operating result €46k, net result €44k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲48.4%
4 profitable years in a row build equity to €134k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
02-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 306 days late
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, Steenokkerzeel · 1 establishment unit since 2008
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.
Haachtsesteenweg 242 F1820 SteenokkerzeelGround area
1,014 m²
Building footprint
147 m²
Volume, LiDAR
527 m³
Parcel 23081A0004/00X000, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
THE CHESSBOARD
since 20082.168.958.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23081A0004/00X000 | Flanders | 1,014 m² | 1 · 147 m² | 5.7 m · 1 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
Legal Entity Identifier
894500PJ7HALAHYE7M34
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
20420Manufacture of chemicals and chemical products
46450Wholesale of perfume and cosmetics
47120Other non-specialised retail sale
47750Retail sale of cosmetics and toilet articles
47910Retail trade
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.