CHOCOLADE ATELIER STUYVEN
ActiveCHOCOLADE ATELIER STUYVEN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €33k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 1526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+9
Solvency96▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.5 in 2024; short-term debt: 28.9% and cash: 43.4% of total assets), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
70.6%
Return on assets
12.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
14 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
16 d early
2019
63 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 7.6%
2024 · €173k
2019: €63k
2020: €81k
2021: €121k
2022: €143k
2023: €161k
2024: €173k
2019 → 2025
Total assets
€263k▲ 3.7%
2024 · €254k
2019: €205k
2020: €186k
2021: €218k
2022: €212k
2023: €203k
2024: €254k
2019 → 2025
Net result
€33k▲ 181%
2024 · €12k
2019: €21k
2020: €18k
2021: €40k
2022: €22k
2023: €17k
2024: €12k
2019 → 2025
Working capital
€130k▲ 15.7%
2024 · €112k
2019: €-5k
2020: €32k
2021: €55k
2022: €82k
2023: €106k
2024: €112k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€121k-€143k▲ 18.2%€161k▲ 12.1%€173k▲ 7.3%€186k▲ 7.6%
Operating result€60k-€34k▼ 44.2%€28k▼ 17.2%€20k▼ 27.6%€52k▲ 155%
Net result€40k-€22k▼ 45.0%€17k▼ 21.2%€12k▼ 32.5%€33k▲ 181%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 155% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€57k▼ 14.5%
Current assets
€206k▲ 10.2%
Equity and liabilities €263k
Equity
€186k▲ 7.6%
Debt
€77k▼ 4.6%
The debt ratio falls from 32.0% to 29.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▲
2024 · €38k
Cash flow
€49k▲
2024 · €30k
Solvency
70.6%▲
2024 · 68.0%
Current ratio
2.71▲
2024 · 2.50
Quick ratio
2.05▲
2024 · 1.41
Debt / equity
0.42▼
2024 · 0.47
ROE
17.8%▲
2024 · 6.8%
ROA
12.6%▲
2024 · 4.6%
Interest coverage
52.17▲
2024 · 50.99
Debt
€77k▼
2024 · €81k
Debt ≤ 1 year
€76k▲
2024 · €75k
Debt > 1 year
€1k▼
2024 · €6k
Income taxes
€17k▲
2024 · €8k
Staff costs
€46k▼
2024 · €57k
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€254k€263k▲
Fixed assets21/28€67k€57k▼
Tangible fixed assets22/27€67k€57k▼
Plant, machinery and equipment23€34k€30k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€28k€24k▼
Current assets29/58€187k€206k▲
Stocks and contracts in progress3€82k€50k▼
Stocks30/36€82k€50k▼
Amounts receivable within one year40/41€29k€42k▲
Trade receivables40€18k€39k▲
Other amounts receivable41€11k€3k▼
Cash at bank and in hand54/58€75k€114k▲
Deferred charges and accrued income490/1€532€200▼
Equity and liabilities
Total equity and liabilities10/49€254k€263k▲
Equity10/15€173k€186k▲
Contributions10/11€19k€19k=
Reserves13€154k€167k▲
Distributable reserves133€154k€167k▲
Amounts payable17/49€81k€77k▼
Amounts payable after more than one year17€6k€1k▼
Financial debts170/4€6k€1k▼
Amounts payable within one year42/48€75k€76k▲
Current portion of amounts payable after more than one year42€6k€6k▼
Trade debts44€63k€37k▼
Suppliers440/4€63k€37k▼
Taxes, remuneration and social security45€5k€13k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€102€20k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€16k▼
Other operating charges640/8€147€403▲
Gross operating margin9900€96k€113k▲
Operating profit (loss)9901€20k€52k▲
Financial income75/76B€102€125▲
Recurring financial income75€102€125▲
Financial charges65/66B€754€1k▲
Recurring financial charges65€754€1k▲
Profit (loss) for the period before taxes9903€20k€50k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€12k€33k▲
Profit (loss) for the period to be appropriated9905€12k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€33k▲
Transfer from equity791/2-€20k
Transfer to equity691/2€12k€33k▲
To other reserves6921€12k€33k▲
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (9 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €12k ▼32.5%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €161k ▲12.1%
5 profitable years in a row build equity to €161k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €40k ▲123%
Operating result €60k, net result €40k, both a record.
30-06
Financial
Equity above €100kEq €121k ▲49.4%
3 profitable years in a row build equity to €121k.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Begijnendijk · 1 establishment unit since 2016
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.
Aarschotsesteenweg 23130 BegijnendijkGround area
844 m²
Building footprint
221 m²
Volume, LiDAR
1,682 m³
Parcel 24010B0186/00Z000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHOCOLADE ATELIER STUYVEN
since 20162.249.599.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010B0186/00Z000 | Flanders | 844 m² | 1 · 221 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,260 EUR awarded · 1,260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,260 EUR | 1,260 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBegijnendijk2.249.599.254
Similar companies · same sector, comparable size
HAUSER OF BELGIUM
BE 0548.698.316
Antwerpen · Eq €187k
DIDIER SMEETS
BE 0632.489.191
Dalhem · Eq €184k
Tony's Chocolonely Belgium
BE 0776.801.140
Antwerpen · Eq €189k
MEYNOR CREATIES
BE 0832.521.306
Oud-Turnhout · Eq €190k
LA CABOSSE D'OR
BE 0454.519.531
Genappe · Eq €181k
Of 725 companies in sector 10820 we hold annual accounts for 351. 249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2016
Fiscal year end30-06
Activities, NACEBEL
10820Manufacture of cocoa, chocolate and sugar confectionery
47242Retail sale of chocolate and confectionery
68203Renting and operating of own or leased non-residential real estate, excluding land
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.