CHAMCO
ActiveSummary
CHAMCO has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.03M and a net result of €62k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 92% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-5
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.65 in 2024; short-term debt: 6.5% and cash: 0.5% of total assets), and 7.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.1%
Return on assets
1.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
21 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
87 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€62k▼ 69.7%
2024 · €205k
2018: €130k
2019: €484k
2020: €-31k
2021: €81k
2022: €18k
2023: €42k
2024: €205k
2018 → 2025
Working capital
€-41k▲ 59.7%
2024 · €-102k
2018: €-918k
2019: €-276k
2020: €-317k
2021: €-264k
2022: €-325k
2023: €-370k
2024: €-102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.71M-€2.72M▲ 0.7%€2.77M▲ 1.5%€2.97M▲ 7.4%€3.03M▲ 2.1%
Operating result€108k-€40k▼ 63.0%€65k▲ 60.9%€217k▲ 236%€87k▼ 60.0%
Net result€81k-€18k▼ 77.8%€42k▲ 133%€205k▲ 388%€62k▼ 69.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.29M
Fixed assets
€3.12M ▼ 1.6%
Current assets
€174k ▼ 6.8%
Equity and liabilities €3.29M
Equity
€3.03M ▲ 2.1%
Debt
€261k ▼ 32.4%
Debt's share of the balance-sheet total falls from 11.5% to 7.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▼
2024 · €268k
Cash flow
€112k▼
2024 · €255k
Current ratio
0.81▲
2024 · 0.65
Quick ratio
0.67▲
2024 · 0.55
Debt to equity
0.09▼
2024 · 0.13
ROE
2.0%▼
2024 · 6.9%
ROA
1.9%▼
2024 · 6.1%
Interest coverage
13.19▼
2024 · 21.21
Debt ≤ 1 year
€215k▼
2024 · €288k
Debt > 1 year
€47k▼
2024 · €98k
Income taxes
€14k▲
2024 · €564
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.36M€3.29M▼
Fixed assets21/28€3.17M€3.12M▼
Tangible fixed assets22/27€671k€621k▼
Land and buildings22€671k€621k▼
Financial fixed assets28€2.50M€2.50M=
Current assets29/58€186k€174k▼
Stocks and contracts in progress3€29k€29k=
Stocks30/36€29k€29k=
Amounts receivable within one year40/41€120k€117k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€109k€109k=
Cash at bank and in hand54/58€26k€18k▼
Deferred charges and accrued income490/1€11k€10k▼
Equity and liabilities
Total equity and liabilities10/49€3.36M€3.29M▼
Equity10/15€2.97M€3.03M▲
Contributions10/11€1.89M€1.89M=
Capital10€1.89M€1.89M=
Issued capital100€1.89M€1.89M=
Reserves13€97k€97k=
Non-distributable reserves130/1€80k€80k=
Legal reserve130€80k€80k=
Tax-exempt reserves132€17k€17k=
Profit (loss) carried forward14€979k€1.04M▲
Amounts payable17/49€386k€261k▼
Amounts payable after more than one year17€98k€47k▼
Financial debts170/4€98k€47k▼
Amounts payable within one year42/48€288k€215k▼
Current portion of amounts payable after more than one year42€117k€52k▼
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€2k€14k▲
Taxes450/3€2k€14k▲
Other amounts payable47/48€158k€142k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€50k▼
Other operating charges640/8€30k€31k▲
Gross operating margin9900€299k€169k▼
Operating profit (loss)9901€217k€87k▼
Financial income75/76B€542€25▼
Recurring financial income75€542€25▼
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€205k€77k▼
Income taxes67/77€564€14k▲
Profit (loss) for the period9904€205k€62k▼
Profit (loss) for the period to be appropriated9905€205k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€979k€1.04M▲
Profit (loss) brought forward from the previous period14P€774k€979k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
31-12
Financial
Highest result since 2018net €484k ▲271%
Operating result €523k, net result €484k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Lincent · 2 establishment units since 1971
Ground area
6,493 m²
Building footprint
384 m²
Volume, LiDAR
2,538 m³
2 parcels, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Rue de Tirlemont 53, 4287 Lincent
since 19712.005.640.195
Chamco
since 20112.206.034.673
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64062A0115/00R000 | Wallonia | 5,809 m² | 1 · 245 m² | 10.0 m · 2 fl. |
| 64034A0634/00F000 | Wallonia | 684 m² | 1 · 139 m² | 8.5 m · 2 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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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 2,235 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 formPublic limited company
Founded04-03-1971
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.