C&H
ActiveThe computed 12-month bankruptcy probability of C&H is 1.6% (moderate). The 2025 annual accounts show negative equity (€-44k) and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 7331 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability1▲+1
Solvency0▼-22
Growth72▲+17
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.09 in 2023; short-term debt: 181.1% and cash: 45.4% of total assets), and equity is negative.
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
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 2025Solvency, return and age of the figures
Solvency
-81.1%
Return on assets
-14.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192021222325
2018 to 2025 · latest year €-44k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
20 d late
2022
14 d early
2021
2 d early
2020
18 d late
2019
31 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.24M▲ 1,243,074%
2020 · €100
2020: €100
2020 → 2022
EBIT margin
16.1%▲ 30684.2pp
2020 · -30668.0%
2020: -30668.0%
2020 → 2022
Net result
€-8k▲ 89.7%
2023 · €-76k
2018: €-26k
2019: €-43k
2020: €-32k
2021: €-39k
2022: €170k
2023: €-76k
2018 → 2025
Working capital
€-46k▲ 90.5%
2023 · €-482k
2018: €-30k
2019: €-74k
2020: €-47k
2021: €804k
2022: €-424k
2023: €-482k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Turnover€100-€1.24M
Equity€-66k-€-105k▼ 59.6%€63k€-13k€-44k▼ 240%
Operating result€-31k-€-34k▼ 9.9%€200k€-75k€-8k▲ 89.9%
Net result€-32k-€-39k▼ 22.7%€170k€-76k€-8k▲ 89.7%
Result per fiscal year
Operating resultNet result
The operating result is €-8k in 2025, compared with €-75k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €54k
Fixed assets
€2k▼ 99.7%
Current assets
€53k▲ 12.7%
Key figures and ratios
EBITDA
€-7k▲
2023 · €-53k
Cash flow
€-7k▲
2023 · €-54k
Solvency
-81.1%▼
2023 · -2.5%
Current ratio
0.54▲
2023 · 0.09
Quick ratio
0.54▲
2023 · 0.09
Debt / equity
-2.23▲
2023 · -40.74
ROA
-14.2%▲
2023 · -14.6%
Interest coverage
-34.89▲
2023 · -86.62
Debt
€99k▼
2023 · €529k
Debt ≤ 1 year
€99k▼
2023 · €529k
Income taxes
€0▲
2023 · €-37
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€516k€54k▼
Fixed assets21/28€469k€2k▼
Tangible fixed assets22/27€469k€2k▼
Land and buildings22€468k-
Plant, machinery and equipment23€397€918▲
Furniture and vehicles24€695€590▼
Other tangible fixed assets26€0€0=
Current assets29/58€47k€53k▲
Amounts receivable within one year40/41€8k€26k▲
Trade receivables40-€24k
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€38k€25k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€516k€54k▼
Equity10/15€-13k€-44k▼
Contributions10/11€19k€1k▼
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€-33k€-46k▼
Amounts payable17/49€529k€99k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€529k€99k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€180€1k▲
Suppliers440/4€180€1k▲
Advances received on contracts in progress46-€27k
Taxes, remuneration and social security45€13k€45▼
Taxes450/3€13k€45▼
Other amounts payable47/48€512k€70k▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€787▼
Other operating charges640/8€1k€490▼
Gross operating margin9900€-52k€-6k▲
Operating profit (loss)9901€-75k€-8k▲
Financial charges65/66B€616€194▼
Recurring financial charges65€616€194▼
Profit (loss) for the period before taxes9903€-76k€-8k▲
Income taxes67/77€-37€0▲
Profit (loss) for the period9904€-76k€-8k▲
Profit (loss) for the period to be appropriated9905€-76k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-46k▼
Profit (loss) brought forward from the previous period14P€42k€-38k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €-76k ▼145%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €170k
Net result €170k after 4 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 3.51
Current ratio from 0.83 to 3.51.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Fleurus · 1 establishment unit since 2012
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 Cortil(WB) 66224 FleurusGround area
272 m²
Building footprint
75 m²
Volume, LiDAR
450 m³
Parcel 52071C0969/00G002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C&H
since 20122.215.411.209
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071C0969/00G002 | Wallonia | 272 m² | 1 · 75 m² | 7.4 m · 2 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.
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BE 0782.487.320
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BMG SERVICES
BE 0476.750.248
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 13,186 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.