CHAMONIX INVEST
ActiveSummary
The computed 12-month bankruptcy probability of CHAMONIX INVEST is 3.5% (moderate). The 2025 annual accounts show negative equity (€-20k) and a net result of €-3k. Equity is growing by ~4.9% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-60
Solvency16▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03 against 0.08 in 2024; short-term debt: 52.7% and cash: 0.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
-9.4%
Return on assets
-1.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-20k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
on the day
2022
31 d late
2021
13 d early
2020
30 d late
2019
119 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, micro schema
Equity
€-20k▼ 18.4%
2024 · €-17k
2019: €-31k
2020: €-40k
2021: €-38k
2022: €-42k
2023: €-56k
2024: €-17k
2019 → 2025
Total assets
€210k▼ 5.1%
2024 · €222k
2019: €198k
2020: €219k
2021: €298k
2022: €324k
2023: €319k
2024: €222k
2019 → 2025
Net result
€-3k
2024 · €39k
2019: €-37k
2020: €-9k
2021: €2k
2022: €-4k
2023: €-13k
2024: €39k
2019 → 2025
Working capital
€-108k▼ 6.7%
2024 · €-101k
2019: €-227k
2020: €-256k
2021: €-74k
2022: €-86k
2023: €-114k
2024: €-101k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-38k-€-42k▼ 11.5%€-56k▼ 31.8%€-17k▲ 70.1%€-20k▼ 18.4%
Operating result€8k-€4k▼ 43.0%€-4k€48k€3k▼ 93.9%
Net result€2k-€-4k€-13k▼ 209%€39k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 94% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€207k ▼ 2.8%
Current assets
€3k ▼ 61.6%
Key figures and ratios
EBITDA
€9k▼
2024 · €54k
Cash flow
€3k▼
2024 · €45k
Solvency
-9.4%▼
2024 · -7.5%
Current ratio
0.03▼
2024 · 0.08
Debt to equity
-11.69▲
2024 · -14.35
ROA
-1.5%▼
2024 · 17.5%
Interest coverage
1.49▼
2024 · 5.82
Debt
€230k▼
2024 · €238k
Debt ≤ 1 year
€111k▲
2024 · €109k
Debt > 1 year
€119k▼
2024 · €129k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€222k€210k▼
Fixed assets21/28€213k€207k▼
Tangible fixed assets22/27€213k€207k▼
Land and buildings22€213k€207k▼
Current assets29/58€9k€3k▼
Cash at bank and in hand54/58€5k€840▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€222k€210k▼
Equity10/15€-17k€-20k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-23k€-26k▼
Amounts payable17/49€238k€230k▼
Amounts payable after more than one year17€129k€119k▼
Financial debts170/4€125k€115k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€109k€111k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Other amounts payable47/48€99k€100k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€672€4k▲
Gross operating margin9900€54k€13k▼
Operating profit (loss)9901€48k€3k▼
Financial income75/76B€334-
Recurring financial income75€334-
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€39k€-3k▼
Profit (loss) for the period9904€39k€-3k▼
Profit (loss) for the period to be appropriated9905€39k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-26k▼
Profit (loss) brought forward from the previous period14P€-62k€-23k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waterloo · 1 establishment unit since 2019
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.
Drève Richelle 161B1410 WaterlooGround area
6,905 m²
Building footprint
854 m²
Volume, LiDAR
10,174 m³
2 parcels, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Houblonnières 52, 4020 Liège
since 20192.289.731.124
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0624/00R000 | Wallonia | 6,763 m² | 1 · 806 m² | 14.8 m · 4 fl. |
| 62806C0463/00W002 | Wallonia | 142 m² | 1 · 47 m² | 12.7 m · 4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-04-2019
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.