CHIWETA
ActiveThe computed 12-month bankruptcy probability of CHIWETA is 3.1% (moderate). The 2025 annual accounts show negative equity (€-60k) and a net result of €-145k. Equity is shrinking by ~90.8% per year across the filed fiscal years. Its solvency ranks better than 15% of 43 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▼ -51 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+38
Solvency35▼-12
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.98 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
7 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← fewer bankruptcies
more bankruptcies →
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
-26.8%
Return on assets
-64.2%
Age of the figures
8 mo
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€60k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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
5 d late
2024
1 d early
2023
28 d early
2022
30 d late
2021
4 d early
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-60k
2024 · €84k
2023: €74k
2024: €84k
2023 → 2025
Total assets
€225k▼ 18.7%
2024 · €277k
2023: €199k
2024: €277k
2023 → 2025
Net result
€-145k
2024 · €10k
2023: €64k
2024: €10k
2023 → 2025
Working capital
€-126k▼ 3,225%
2024 · €-4k
2023: €24k
2024: €-4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€74k-€84k▲ 14.1%€-60k
Operating result€103k-€35k▼ 65.6%€-131k
Net result€64k-€10k▼ 83.7%€-145k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €131k after €35k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€66k▼ 25.0%
Current assets
€159k▼ 15.7%
Key figures and ratios
EBITDA
€-106k▼
2024 · €59k
Cash flow
€-120k▼
2024 · €35k
Solvency
-26.8%▼
2024 · 30.4%
Current ratio
0.56▼
2024 · 0.98
Quick ratio
0.56▼
2024 · 0.98
Debt / equity
-4.74▼
2024 · 2.29
ROE
239.8%▲
2024 · 12.3%
ROA
-64.2%▼
2024 · 3.7%
Interest coverage
-7.84▼
2024 · 3.39
Debt
€286k▲
2024 · €193k
Debt ≤ 1 year
€286k▲
2024 · €193k
Staff costs
€1.05M▲
2024 · €569k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Total assets
20/58€225k
Fixed assets
21/28€66k
Tangible fixed assets
22/27€66k
Current assets
29/58€159k
Amounts receivable within one year
40/41€52k
Cash & bank
54/58€93k
Total equity & liabilities
10/49€225k
Equity
10/15€-60k
Contributions / capital
10/11€7k
Reserves
13€78k
Accumulated profits (losses)
14€-145k
Amounts payable
17/49€286k
Amounts payable within one year
42/48€286k
Trade debts payable within one year
44€145k
Income statement
Code2025
Gross operating margin
9900€951k
Operating result
9901€-131k
Financial charges
65€14k
Result before taxes
9903€-145k
Net result for the period
9904€-145k
Result to be appropriated
9905€-145k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €-145k ▼1492%
Net result drops to €-145k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
08-01
State Gazette act
Minor change
Statutes change · Anne Callewaert
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 4,847 companies in sector 53200 we hold annual accounts for 1,219. 990 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2014
Fiscal year end31-12
Activities, NACEBEL
53200Other postal and courier activities
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-08-2026. Scores and ratios are computed by Checked and are not a credit decision.