LE CHEVERNY
ActiveLE CHEVERNY has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-2k) and a net result of €-148k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-11
Solvency25▼-15
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 3.36 against 5.21 in 2023; short-term debt: 29.3% of total assets), but equity is negative.
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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-0.2%
Return on assets
-15.1%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-2k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-12-2025, 141 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
141 d late
2023
407 d late
2022
185 d late
2021
171 d late
2020
12 d early
2019
54 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-148k▼ 153%
2023 · €-59k
2018: €4k
2019: €40k
2020: €16k
2021: €114k
2022: €74k
2023: €-59k
2018 → 2024
Working capital
€675k▼ 14.4%
2023 · €790k
2018: €-40k
2019: €352
2020: €3k
2021: €118k
2022: €173k
2023: €790k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€130k▲ 708%€205k▲ 57.1%€146k▼ 28.6%€-2k
Operating result€23k-€115k▲ 405%€76k▼ 33.9%€-32k€-31k▲ 2.8%
Net result€16k-€114k▲ 624%€74k▼ 34.9%€-59k€-148k▼ 153%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2024 against €32k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €978k
Fixed assets
€16k▼ 38.5%
Current assets
€962k▼ 1.6%
Key figures and ratios
EBITDA
€-19k▲
2023 · €-20k
Cash flow
€-136k▼
2023 · €-46k
Solvency
-0.2%▼
2023 · 14.6%
Current ratio
3.36▼
2023 · 5.21
Quick ratio
0.94▼
2023 · 2.60
ROA
-15.1%▼
2023 · -5.8%
Interest coverage
-0.23▲
2023 · -0.54
Debt
€979k▲
2023 · €857k
Debt ≤ 1 year
€286k▲
2023 · €188k
Debt > 1 year
€575k=
2023 · €575k
Income taxes
€34k
Staff costs
€58k▼
2023 · €61k
A ratio outside any meaningful range has been withheld (balance sheet total €978k, equity €-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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.00M€978k▼
Fixed assets21/28€26k€16k▼
Tangible fixed assets22/27€24k€14k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€21k€11k▼
Financial fixed assets28€2k€2k=
Current assets29/58€977k€962k▼
Stocks and contracts in progress3€490k€693k▲
Stocks30/36€490k€693k▲
Amounts receivable within one year40/41€487k€268k▼
Trade receivables40€297k€19k▼
Other amounts receivable41€191k€250k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.00M€978k▼
Equity10/15€146k€-2k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133-€2k
Profit (loss) carried forward14€126k€-22k▼
Amounts payable17/49€857k€979k▲
Amounts payable after more than one year17€575k€575k=
Financial debts170/4€575k€575k=
Amounts payable within one year42/48€188k€286k▲
Financial debts43€6k€4k▼
Credit institutions430/8€6k€4k▼
Trade debts44€85k€198k▲
Suppliers440/4€85k€198k▲
Advances received on contracts in progress46€68k€0▼
Taxes, remuneration and social security45€25k€82k▲
Taxes450/3€8k€50k▲
Remuneration and social security454/9€17k€32k▲
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€94k€118k▲
Income statement
Code20232024
Remuneration, social security and pensions62€61k€58k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€65k€425▼
Gross operating margin9900€106k€40k▼
Operating profit (loss)9901€-32k€-31k▲
Financial income75/76B€11k€30▼
Recurring financial income75€11k€30▼
Financial charges65/66B€37k€83k▲
Recurring financial charges65€37k€83k▲
Profit (loss) for the period before taxes9903€-59k€-115k▼
Income taxes67/77-€34k
Profit (loss) for the period9904€-59k€-148k▼
Profit (loss) for the period to be appropriated9905€-59k€-148k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€-22k▼
Profit (loss) brought forward from the previous period14P€184k€126k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 141 days late
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 407 days late
2024
31-12
Financial
Weakest financial yearnet €-148k
Net result drops to €-148k, the lowest in the series.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 185 days late
2023
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 171 days late
2022
31-12
Financial
Equity above €200kEq €205k ▲57.1%
5 profitable years in a row build equity to €205k.
2021
31-12
Financial
Highest result since 2018net €114k ▲624%
Operating result €115k, net result €114k, both a record.
31-12
Financial
Liquidity times 6current ratio 6.09
Current ratio from 1.07 to 6.09; short-term debt falls from €47k to €23k.
31-12
Financial
Equity above €100kEq €130k ▲708%
4 profitable years in a row build equity to €130k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
31-12
Financial
Liquidity times 6current ratio 1.05
Current ratio from 0.18 to 1.05; short-term debt falls from €48k to €8k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 67 days late
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-03-2021
MISSAL Michaël: Resigned as Director
31-12-2019
BENE Christian: Resigned as Managing director
31-12-2019
Demey Dominique: Resigned as Managing director
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 1991
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.
Waterloose Steenweg 2001640 Sint-Genesius-RodeGround area
7,308 m²
Building footprint
1,453 m²
Volume, LiDAR
16,574 m³
Parcel 22552E0048/00Z025, Flanders · tallest building 23.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BATI BÔ CONSTRUCT
since 19912.051.316.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 1,453 m² | 23.0 m · 4 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.
Structure & network
Connections & network
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Similar companies · same sector, comparable size
TOUCHE A TOUT
BE 0712.929.907
Evere · Eq €142k
LES ENFANTS D'EDOUARD
BE 0432.986.719
Brussel · Eq €152k
MICHEL DURANT
BE 0421.831.818
Elsene · Eq €153k
RIB
BE 0867.255.917
Wavre · Eq €154k
DiVintage
BE 0636.881.115
Ottignies-Louvain-la-Neuve · Eq €138k
Of 949 companies in sector 47792 we hold annual accounts for 184. 129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1990
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
47792Retail sale of second-hand clothing
52502
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.