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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Chena is 12.9% (high). The 2023 annual accounts show negative equity (€-87k) and a net result of €-94k. Its solvency ranks better than 9% of 5714 sector peers (fiscal year 2023). 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 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone12.9%
High
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Multiple establishment units
+Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 378 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-10-2024, 89 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 2 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 31-12-2023, that is 31-07-2024.
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 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 28-10-2024 | 89 d late | 2024-00515783 |
| 31-12-2022 | 31-07-2023 | 18-09-2023 | 49 d late | 2023-00447661 |
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-94k
Working capital€-94k-7510.0%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 28-10-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -94.1% | 20.1% | |
| Net result | €-94k | €3k | |
| Equity | €-87k | €15k | |
| Gross operating margin | €9k | €23k | |
| Staff costs | €95k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-86k
-
22-23
€-94k
-
22-23
€-92k
-
22-23
€93k
-52.2%
22-23
€-87k
-
22-23
€-94k
-7510.0%
22-23
6
-5.2%
22-23
€95k
-31.6%
22-23
€197
-89.1%
22-23
€180k
-3.8%
22-23
€180k
-3.6%
22-23
0.48
-51.6%
22-23
0.16
-75.1%
22-23
-94.1%
-
22-23
-2.06
-
22-23
108.0%
+68.5%
22-23
-101.5%
-
22-23
-13.49
-
22-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-86k |
| Net profit | €-94k |
| Cash flow | €-92k |
| Staff costs | €95k |
| Income taxes | €197 |
| Dividends | - |
| Total assets | €93k |
| Equity | €-87k |
| Debt | €180k |
| of which ≤ 1y | €180k |
| of which > 1y | - |
| Working capital | €-94k |
| Employees (FTE) | 5.5 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 0.48 |
| Quick ratio | 0.16 |
| Working capital ratio | -100.7% |
| Solvency | -94.1% |
| Debt / equity | -2.06 |
| Long-term debt ratio | - |
| Interest coverage | -13.49 |
| Gross margin | - |
| Net margin | - |
| ROA | -101.5% |
| ROE | 108.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €93k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €87k |
| Stocks & contracts in progress | 3 | €59k |
| Amounts receivable within one year | 40/41 | €17k |
| Cash & bank | 54/58 | €11k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €93k |
| Equity | 10/15 | €-87k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-90k |
| Amounts payable | 17/49 | €180k |
| Amounts payable within one year | 42/48 | €180k |
| Trade debts payable within one year | 44 | €40k |
| Income statement | ||
| Gross operating margin | 9900 | €9k |
| Operating result | 9901 | €-89k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €-94k |
| Income taxes | 67/77 | €197 |
| Net result for the period | 9904 | €-94k |
| Result to be appropriated | 9905 | €-94k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2023 · computed7
/ 100
Critical
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 2023. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
6 locationsChena
since 20212.320.566.533
Chena
since 20212.326.318.039
Bristol Leuven
since 20212.326.318.138
Bristol Herentals
since 20212.326.318.237
Blankenberge
since 20222.329.362.354
second life
since 20252.369.675.356
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels6
Ground area5,128 m²
Buildings6
Building footprint2,827 m²
Volume (LiDAR)17,642 m³
Tallest building19.3 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.
Flanders
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0654/00C000 | Flanders | 3,937 m² | 1 · 1,943 m² | 17.8 m |
| 31004A0322/02S000 | Flanders | 448 m² | 1 · 446 m² | 19.3 m · 5 fl. |
| 24054C0022/00R002 | Flanders | 422 m² | 1 · 119 m² | 8.7 m · 2 fl. |
| 24062A0697/00G000 | Flanders | 141 m² | 1 · 141 m² | 17.9 m · 4 fl. |
| 31004A0322/00C000 | Flanders | 107 m² | 1 · 107 m² | 15.6 m · 4 fl. |
| 24098A0654/00D000 | Flanders | 72 m² | 1 · 72 m² | 11.9 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 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
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Snowflake analysis
financial profile on 5 axes53
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
7
Profitability
100
Solvency
33
Growth
32
Stability
94
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 107 of the 1,045 companies in this sector. 63 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in schoeisel in gespecialiseerde winkels47721Detailhandel in schoeisel47721Handelsbemiddeling in textiel, kleding, bont, schoeisel en lederwaren46160Handelsbemiddeling in de groothandel in textiel, kleding, bont, schoeisel en lederwaren46160Detailhandel in lederwaren en reisartikelen in gespecialiseerde winkels47722Detailhandel in lederwaren en reisartikelen47722Detailhandel in medische en orthopedische artikelen in gespecialiseerde winkels47740Detailhandel in medische en orthopedische artikelen, muv corrigerende brillen, lenzen en zonnebrillen47741Reparatie van schoeisel en lederwaren95230Reparatie en onderhoud van schoeisel en lederwaren95230
Primary activity highlighted.
Names & trade names
| Legal nameNL | Chena |
Registered office
Diestsestraat 4
3470 Kortenaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.