CHALLE CONSTRUCT
ActiveCHALLE CONSTRUCT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-33k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
18
/ 100
Critical▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency52▲+19
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.25 in 2024), and 58.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 · 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
41.2%
Return on assets
-46.9%
Age of the figures
8 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 08-07-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2024
57 d late
2023
on the day
2022
3 d late
2021
31 d late
2020
25 d late
2019
92 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€261k
EBIT margin
-4.2%
Net result
€-33k
2024 · €6k
2018: €-15k
2019: €-1k
2020: €-17k
2021: €16k
2022: €25k
2023: €-2k
2024: €6k
2018 → 2025
Working capital
€-32k▲ 61.5%
2024 · €-84k
2018: €-44k
2019: €-58k
2020: €-52k
2021: €-30k
2022: €-76k
2023: €-100k
2024: €-84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€261k
Equity€49k-€59k▲ 19.9%€57k▼ 4.1%€-6k€29k
Operating result€16k-€36k▲ 118%€-11k€9k€-28k
Net result€16k-€25k▲ 59.4%€-2k€6k€-33k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €9k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€61k▼ 20.9%
Current assets
€10k▼ 66.5%
Equity and liabilities €71k
Equity
€29k
Debt
€42k
Debt finances 58.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€-12k▼
2024 · €25k
Cash flow
€-18k▼
2024 · €22k
Solvency
41.2%▲
2024 · -5.7%
Current ratio
0.23▼
2024 · 0.25
Quick ratio
0.22▲
2024 · 0.20
Debt / equity
1.43▲
2024 · -18.56
ROE
-113.9%▼
2024 · -91.4%
ROA
-46.9%▼
2024 · 5.2%
Interest coverage
-8.12▼
2024 · 26.44
Debt
€42k▼
2024 · €112k
Debt ≤ 1 year
€42k▼
2024 · €112k
Income taxes
€4k▲
2024 · €3k
Staff costs
€3k▼
2024 · €29k
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€106k€71k▼
Fixed assets21/28€78k€61k▼
Tangible fixed assets22/27€77k€61k▼
Land and buildings22€42k€36k▼
Plant, machinery and equipment23€742€357▼
Furniture and vehicles24€35k€25k▼
Financial fixed assets28€621€60▼
Current assets29/58€28k€10k▼
Stocks and contracts in progress3€6k€382▼
Stocks30/36€6k€382▼
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€772€133▼
Other amounts receivable41€981€5k▲
Cash at bank and in hand54/58€15k€3k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€106k€71k▼
Equity10/15€-6k€29k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-26k€9k▲
Amounts payable17/49€112k€42k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€112k€42k▼
Current portion of amounts payable after more than one year42€5k€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€671€555▼
Taxes450/3€168€52▼
Remuneration and social security454/9€503€503=
Other amounts payable47/48€99k€39k▼
Income statement
Code20242025
Non-recurring operating income76A€130€3k▲
Remuneration, social security and pensions62€29k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€87€0▼
Gross operating margin9900€57k€-7k▼
Operating profit (loss)9901€9k€-28k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€961€2k▲
Recurring financial charges65€961€2k▲
Profit (loss) for the period before taxes9903€8k€-30k▼
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€6k€-33k▼
Profit (loss) for the period to be appropriated9905€6k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€9k▲
Profit (loss) brought forward from the previous period14P€-32k€42k▲
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
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-33k ▼703%
Net result drops to €-33k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €25k ▲59.4%
Operating result €36k, net result €25k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 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, Gembloux · 1 establishment unit since 1996
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.
Route d' Eghezée, Isnes 45032 GemblouxGround area
756 m²
Building footprint
75 m²
Volume, LiDAR
660 m³
Parcel 92065A0019/00E002, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHALLE CONSTRUCT
since 19962.076.908.669
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065A0019/00E002 | Wallonia | 756 m² | 1 · 75 m² | 10.4 m · 3 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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Of 15,434 companies in sector 43990 we hold annual accounts for 7,354. 5,605 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-1996
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.