CH2B
ActiveSummary
CH2B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-187k) and a net result of €-32k. Equity is shrinking by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 8048 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
15 d late
2021
1 d early
2020
25 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-187k▼ 20.4%
2024 · €-156k
2019: €-8k
2020: €-43k
2021: €-74k
2022: €-101k
2023: €-123k
2024: €-156k
2019 → 2025
Net result
€-32k▲ 1.7%
2024 · €-32k
2019: €-26k
2020: €-35k
2021: €-31k
2022: €-27k
2023: €-22k
2024: €-32k
2019 → 2025
Total assets
€696k▼ 2.0%
2024 · €711k
2019: €774k
2020: €764k
2021: €752k
2022: €739k
2023: €723k
2024: €711k
2019 → 2025
Solvency
-26.9%▼ 5.0pp
2024 · -21.9%
2019: -1.1%
2020: -5.6%
2021: -9.9%
2022: -13.7%
2023: -17.1%
2024: -21.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-74k-€-101k▼ 36.0%€-123k▼ 22.0%€-156k▼ 26.1%€-187k▼ 20.4%
Operating result€-29k-€-25k▲ 12.3%€-22k▲ 13.8%€-32k▼ 46.0%€-32k▲ 1.6%
Net result€-31k-€-27k▲ 14.6%€-22k▲ 16.7%€-32k▼ 44.6%€-32k▲ 1.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32k in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €696k
Fixed assets
€501k ▼ 2.3%
Current assets
€195k ▼ 1.3%
Key figures and ratios
ROA
-4.5%▼
2024 · -4.5%
Debt
€884k▲
2024 · €866k
Debt ≤ 1 year
€884k▲
2024 · €866k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€711k€696k▼
Fixed assets21/28€513k€501k▼
Tangible fixed assets22/27€513k€501k▼
Land and buildings22€154k€143k▼
Furniture and vehicles24€845€211▼
Other tangible fixed assets26€358k€358k=
Current assets29/58€198k€195k▼
Amounts receivable within one year40/41€34k€34k▼
Trade receivables40€34k€34k=
Other amounts receivable41€373€230▼
Current investments50/53€153k€153k=
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1-€75
Equity and liabilities
Total equity and liabilities10/49€711k€696k▼
Equity10/15€-156k€-187k▼
Contributions10/11€250k€250k=
Reserves13€175k€175k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€53k€53k=
Distributable reserves133€120k€120k=
Profit (loss) carried forward14€-581k€-612k▼
Amounts payable17/49€866k€884k▲
Amounts payable within one year42/48€866k€884k▲
Financial debts43€140€145▲
Credit institutions430/8€140€145▲
Trade debts44€1k€213▼
Suppliers440/4€1k€213▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€865k€883k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-17k€-16k▲
Operating profit (loss)9901€-32k€-32k▲
Financial income75/76B-€36
Recurring financial income75-€36
Financial charges65/66B€185€182▼
Recurring financial charges65€185€182▼
Profit (loss) for the period before taxes9903€-32k€-32k▲
Profit (loss) for the period9904€-32k€-32k▲
Profit (loss) for the period to be appropriated9905€-32k€-32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-581k€-612k▼
Profit (loss) brought forward from the previous period14P€-549k€-581k▼
The notes to these accounts (13 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
31-03
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Schilde · 1 establishment unit since 2005
Ground area
5,073 m²
Building footprint
597 m²
Volume, LiDAR
4,088 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CH2B
since 20052.148.095.583
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0145/03K000 | Flanders | 3,367 m² | 1 · 274 m² | 11.2 m · 2 fl. |
| 11922C0043/00W005 | Flanders | 1,706 m² | 1 · 323 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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EA CONSULT
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 7,059 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-07-2005
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
73110Advertising agencies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.