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CHAMAL

Active
Private limited companyfounded 200026 yrs activeBrabantstraat 75, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0472.312.992
Summary

CHAMAL has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,819 and a net result of €3,185. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
CHAMALActiveChecked score 74/100
Risk analysis ReportCompare

Overview

What they do
Retail trade
NACE 47530NACE 52486
1 site
How big
€49,419total assets 2025
Equity
€38,819
Profit
€3,185
Turnover not published (abridged schema)
Financially healthy?
74 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Who decides
Accounts on time0 of 1 deed read
Why 74- Higher-failure-rate region- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence

Checked score

Score 2025
74 / 100
Healthy
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 4.6 against 4.78 in 2024; short-term debt: 21.4% and cash: 6.2% of total assets), and 21.4% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 26 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
78.6%
Return on assets
6.4%
Age of the figures
9 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
15 d early
2023
on the day
2022
3 d early
2021
3 d early
2020
1 d early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 28 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €3,185 ▲13.5%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 14% on solvencysector median 33.9% · 18,973 companies 78.6% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €3,185 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€49,419
Profit
€3,185
Solvency
78.6%
Total assets▲ 10.5%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 16-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail tradeNACE 47530
Founded
06-07-2000
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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