Age5 yrs
Real estate1 parcel · 302 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CHAMAN is 2.4% (moderate). The 2024 annual accounts show equity of €6k and a net result of €12k. Equity is growing by ~66.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 6698 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00439900 |
| 31-12-2023 | 31-07-2024 | 31-08-2024 | 31 d late | 2024-00438345 |
| 31-12-2022 | 31-07-2023 | 22-08-2023 | 22 d late | 2023-00340945 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.4%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€149k
EBIT margin-1.4%
Net result€12k
Working capital€1k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~66.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 14.8% | 20.4% | |
| Net result | €12k | €4k | |
| Equity | €6k | €16k | |
| Gross operating margin | €20k | €24k | |
| Total assets | €38k | €94k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P44
Improving position over 2022-2024
· n=4290-6698
P65
Improving position over 2022-2024
· n=4277-6678
P36
Improving position over 2022-2024
· n=4298-6712
P46
Improving position over 2022-2024
· n=4267-6657
Describes the position versus peers, not a forecast.
€149k
-
22-24
€19k
+671.0%
22-24
€12k
-
22-24
€17k
-
22-24
€38k
-3.9%
22-24
€6k
-
22-24
€1k
-
22-24
€33k
-29.9%
22-24
€21k
-20.4%
22-24
€12k
-41.8%
22-24
1.05
+30.0%
22-24
0.10
-39.2%
22-24
14.8%
-
22-24
5.75
-
22-24
217.2%
+200.1%
22-24
32.2%
-
22-24
-3.2%
-
22-24
1.7%
-
22-24
9.27
+925.2%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €19k |
| Net profit | €12k |
| Cash flow | €17k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €38k |
| Equity | €6k |
| Debt | €33k |
| of which ≤ 1y | €21k |
| of which > 1y | €12k |
| Working capital | €1k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.05 |
| Quick ratio | 0.10 |
| Working capital ratio | 2.7% |
| Solvency | 14.8% |
| Debt / equity | 5.75 |
| Long-term debt ratio | 2.11 |
| Interest coverage | 9.27 |
| Gross margin | - |
| Net margin | - |
| ROA | 32.2% |
| ROE | 217.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €38k |
| Fixed assets | 21/28 | €17k |
| Tangible fixed assets | 22/27 | €14k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €22k |
| Stocks & contracts in progress | 3 | €20k |
| Amounts receivable within one year | 40/41 | €943 |
| Cash & bank | 54/58 | €816 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €38k |
| Equity | 10/15 | €6k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €33k |
| Amounts payable after one year | 17 | €12k |
| Amounts payable within one year | 42/48 | €21k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Gross operating margin | 9900 | €20k |
| Operating result | 9901 | €14k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €12k |
| Net result for the period | 9904 | €12k |
| Result to be appropriated | 9905 | €12k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed66
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Former- → 16-10-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 26-07-2021 |
| Status | Active |
| Postal code | 5000 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Patenier 605000 NamurEstablishment units
1 locationChaman
since 20212.320.093.906
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area302 m²
Buildings1
Building footprint100 m²
Volume (LiDAR)1,606 m³
Tallest building18.2 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0141/00K002 | Wallonia | 302 m² | 1 · 100 m² | 18.2 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 10 months ago
2025
16-10-2025 Charlotte MARIQUE resigns as director
2021
28-07-2021 Incorporation of a new SRL
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes72
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
66
Profitability
100
Solvency
22
Growth
78
Stability
94
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Credit advice
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We hold annual accounts for 1,627 of the 10,430 companies in this sector. 1,029 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Verwerking van thee en koffie10830Groothandel in koffie, thee, cacao en specerijen46370Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen47553Detailhandel in andere huishoudelijke artikelen, neg47559Detailhandel in glas-, porselein- en aardewerk en in niet-elektrische huishoudelijke artikelen in gespecialiseerde winkels47593Detailhandel in andere huishoudelijke artikelen in gespecialiseerde winkels, n.e.g.47599Detailhandel in onderkleding, lingerie en strand- en badkleding in gespecialiseerde winkels47714Detailhandel in onderkleding, lingerie en strand- en badkleding47714Detailhandel in medische en orthopedische artikelen in gespecialiseerde winkels47740Detailhandel in medische en orthopedische artikelen, muv corrigerende brillen, lenzen en zonnebrillen47741
Primary activity highlighted.
Names & trade names
| Legal nameFR | CHAMAN |
Registered office
Rue Patenier 60
5000 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.