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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CHIPS EXPERIENCE is 0.1% (very low). The 2025 annual accounts show equity of €128k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 4723 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 8 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 78% of 4723 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsEstablished
Founded in 2010, 15 years in business.
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 administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Annual accounts: healthy financial profile
−Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€26k-24.4%
Working capital€130k+20.1%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 30-04-2026 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~50% of the level (threshold 35%). We therefore deliberately show no projection line.
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 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 80.7% | 55.5% | |
| Net result | €26k | €38k | |
| Equity | €128k | €64k | |
| Gross operating margin | €43k | €61k | |
| Total assets | €159k | €146k |
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).
P78
Improving position over 2020-2025
· n=1371-12464
P40
Improving position over 2020-2025
· n=1371-12466
P70
Improving position over 2020-2025
· n=1373-12472
P38
Improving position over 2020-2025
· n=1369-12452
Describes the position versus peers, not a forecast.
€41k
-23.2%
+108% vs sector
€26k
-24.4%
far above sector median
€28k
-21.5%
+221% vs sector
€159k
-10.0%
+5% vs sector
€128k
+24.8%
+5% vs sector
€130k
+20.1%
+104% vs sector
€14k
-3.7%
far above sector median
€31k
-58.5%
+85% vs sector
€21k
-66.6%
+26% vs sector
€0
-100.0%
18-25
7.23
+164.8%
+11% vs sector
7.23
+164.8%
+11% vs sector
80.7%
+38.7%
-8% vs sector
0.24
-66.7%
+76% vs sector
19.9%
-39.4%
far above sector median
16.0%
-16.0%
far above sector median
20.59
+62.5%
-72% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €41k |
| Net profit | €26k |
| Cash flow | €28k |
| Staff costs | - |
| Income taxes | €14k |
| Dividends | - |
| Total assets | €159k |
| Equity | €128k |
| Debt | €31k |
| of which ≤ 1y | €21k |
| of which > 1y | €0 |
| Working capital | €130k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 7.23 |
| Quick ratio | 7.23 |
| Working capital ratio | 81.8% |
| Solvency | 80.7% |
| Debt / equity | 0.24 |
| Long-term debt ratio | 0.00 |
| Interest coverage | 20.59 |
| Gross margin | - |
| Net margin | - |
| ROA | 16.0% |
| ROE | 19.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €159k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Financial fixed assets | 28 | €50 |
| Current assets | 29/58 | €151k |
| Amounts receivable within one year | 40/41 | €56k |
| Cash & bank | 54/58 | €95k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €159k |
| Equity | 10/15 | €128k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €122k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €31k |
| Amounts payable after one year | 17 | €0 |
| Amounts payable within one year | 42/48 | €21k |
| Trade debts payable within one year | 44 | €917 |
| Income statement | ||
| Gross operating margin | 9900 | €43k |
| Operating result | 9901 | €39k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €39k |
| Income taxes | 67/77 | €14k |
| Net result for the period | 9904 | €26k |
| Result to be appropriated | 9905 | €26k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed93
/ 100
Excellent
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 with Plus.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Connections & network
3 connected companiesGroup structure
Subsidiary · 1 location
→
Subsidiary · 1 location
→
Network connections
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationChips Experience
since 20112.194.453.764
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,632 m²
Buildings2
Building footprint4,107 m²
Volume (LiDAR)41,069 m³
Tallest building14.7 m · ±4 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A3417/00W000 | Flanders | 4,510 m² | 1 · 3,510 m² | 14.7 m · 4 fl. |
| 45017C1108/00A002 | Flanders | 2,122 m² | 1 · 597 m² | 7.7 m |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 3
08-06-2026
Capital conversion: description: omzetting onbeschikbaar eigen vermogen in beschikbaar eigen vermogen
08-06-2026
Capital conversion: description: omzetting niet volstort gedeelte kapitaal in niet-opgevraagde inbreng
08-06-2026
Capital decrease: description: vrijstelling van volstortingsplicht
Address history · 3
08-06-2026
Seat change: to: 9770 Kruisem (Kruishoutem), Waregemsesteenweg 157A, from: 9000 Gent, Dublinstraat 31 bus 4
23-09-2021
v3.2
28-02-2019
v3.2
All acts · 3
updated 2 months ago
2026
08-06-2026 Notarial deed · General meeting · Legal form conversion · Seat change
- Filing: 2026-06-04 · CHIPS EXPERIENCE
- Publication: 2026-06-08 · CHIPS EXPERIENCE
- Notarial deed: 2026-06-02 · CHIPS EXPERIENCE
- General meeting: 2026-06-02 · CHIPS EXPERIENCE
- Legal form conversion: to: Besloten vennootschap, from: Besloten vennootschap met beperkte aansprakelijkheid, effective_date: 2020-01-01 · CHIPS EXPERIENCE
- Seat change: to: 9770 Kruisem (Kruishoutem), Waregemsesteenweg 157A, from: 9000 Gent, Dublinstraat 31 bus 4 · CHIPS EXPERIENCE
- Capital conversion: description: omzetting onbeschikbaar eigen vermogen in beschikbaar eigen vermogen · CHIPS EXPERIENCE
- Capital conversion: description: omzetting niet volstort gedeelte kapitaal in niet-opgevraagde inbreng · CHIPS EXPERIENCE
- Capital decrease: description: vrijstelling van volstortingsplicht · CHIPS EXPERIENCE
- Officer resignation: role: statutair zaakvoerder, retroactive_date: 2020-01-01 · DE COSTER Valerie Mireille Robert Colette
- Officer appointment: role: statutair bestuurder, term: onbepaalde duur, retroactive_date: 2020-01-01 · DE COSTER Valerie Mireille Robert Colette
- Permanent representative: role: statutair bestuurder, condition: in geval van overlijden van de statutair bestuurder of in geval van permanente onmogelijkheid voor de statutair bestuurder om haar mandaat uit te oefenen · DE COSTER Sandrine Christian Catheline Michel Jean
- Statute amendment: coördinatie statuten · CHIPS EXPERIENCE
- Power of attorney: term: onbepaalde tijd, scope: alle mogelijke formaliteiten ... inzake de oprichting ... alsook ... inzake alle beslissingen, representative: MESDOM Bart · CHIPS EXPERIENCE
- Annual meeting schedule: tweede zaterdag van de maand februari om tien uur (10u00) · CHIPS EXPERIENCE
- First fiscal year: 1 oktober - 30 september · CHIPS EXPERIENCE
- Act object: MAATSCHAPPELIJKE ZETEL, WIJZIGING RECHTSVORM,
Summary:
Notarial deed · General meeting · Legal form conversion · Seat changeNotary:
Paul Wellens
2021
23-09-2021 Registered office moved within Gent
2019
28-02-2019 Registered office moved within Gent
Analysis
Snowflake analysis
financial profile on 5 axes94
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
99
Solvency
100
Growth
78
Stability
100
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Credit advice
verdict per customer and amountSimilar
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Names & trade names
| Legal nameNL | CHIPS EXPERIENCE |
Registered office
Waregemsesteenweg(KRU) 157A
9770 Kruisem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.