CHRISTELLE IMMO
ActiveCHRISTELLE IMMO has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €696. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.74 against 5.3 in 2024; short-term debt: 17.1% and cash: 59.2% of total assets), and 17.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
82.9%
Return on assets
0.5%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
28 d early
2022
142 d late
2021
68 d late
2020
56 d late
2019
65 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▲ 0.6%
2024 · €123k
2018: €20k
2019: €21k
2020: €34k
2021: €43k
2022: €55k
2023: €79k
2024: €123k
2018 → 2025
Total assets
€149k▼ 1.1%
2024 · €150k
2018: €22k
2019: €22k
2020: €35k
2021: €45k
2022: €58k
2023: €108k
2024: €150k
2018 → 2025
Net result
€696▼ 98.4%
2024 · €43k
2018: €649
2019: €613
2020: €13k
2021: €9k
2022: €12k
2023: €24k
2024: €43k
2018 → 2025
Working capital
€120k▲ 0.6%
2024 · €119k
2018: €19k
2019: €20k
2020: €34k
2021: €42k
2022: €54k
2023: €76k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€55k▲ 28.5%€79k▲ 44.0%€123k▲ 54.2%€123k▲ 0.6%
Operating result€8k-€13k▲ 55.2%€32k▲ 141%€59k▲ 85.8%€-19
Net result€9k-€12k▲ 41.7%€24k▲ 98.2%€43k▲ 77.5%€696▼ 98.4%
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 €19 after €59k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€3k▼ 1.5%
Current assets
€145k▼ 1.1%
Equity and liabilities €149k
Equity
€123k▲ 0.6%
Debt
€25k▼ 8.6%
The debt ratio falls from 18.5% to 17.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €60k
Cash flow
€2k▼
2024 · €44k
Solvency
82.9%▲
2024 · 81.5%
Current ratio
5.74▲
2024 · 5.30
Quick ratio
5.63▲
2024 · 5.20
Debt / equity
0.21▼
2024 · 0.23
ROE
0.6%▼
2024 · 35.2%
ROA
0.5%▼
2024 · 28.7%
Interest coverage
18.84▼
2024 · 1452.87
Debt
€25k▼
2024 · €28k
Debt ≤ 1 year
€25k▼
2024 · €28k
Income taxes
€393▼
2024 · €16k
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€150k€149k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€989€714▼
Furniture and vehicles24€2k€2k▲
Current assets29/58€147k€145k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€72k€55k▼
Trade receivables40€50k€32k▼
Other amounts receivable41€22k€22k▲
Cash at bank and in hand54/58€72k€88k▲
Deferred charges and accrued income490/1€239€74▼
Equity and liabilities
Total equity and liabilities10/49€150k€149k▼
Equity10/15€123k€123k▲
Contributions10/11€19k€19k=
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€66k€67k▲
Amounts payable17/49€28k€25k▼
Amounts payable within one year42/48€28k€25k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€24k€17k▼
Taxes450/3€24k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€933€1k▲
Other operating charges640/8€652€149▼
Gross operating margin9900€60k€1k▼
Operating profit (loss)9901€59k€-19▼
Financial income75/76B€869€1k▲
Recurring financial income75€869€1k▲
Financial charges65/66B€41€63▲
Recurring financial charges65€41€63▲
Profit (loss) for the period before taxes9903€59k€1k▼
Income taxes67/77€16k€393▼
Profit (loss) for the period9904€43k€696▼
Profit (loss) for the period to be appropriated9905€43k€696▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€67k▲
Profit (loss) brought forward from the previous period14P€23k€66k▲
The notes to these accounts (5 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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €43k ▲77.5%
Operating result €59k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €123k ▲54.2%
7 profitable years in a row build equity to €123k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 142 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
25-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 56 days late
2020
31-12
Financial
Liquidity times 7current ratio 146.32
Current ratio from 21.00 to 146.32; short-term debt falls from €1k to €233.
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 65 days late
2019
31-12
Financial
Weakest financial yearnet €613 ▼5.6%
Net result drops to €613, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 42 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Colfontaine · 2 establishment units since 2001
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.
Rue du Pont d'Arcole 1067340 ColfontaineGround area
2,085 m²
Building footprint
199 m²
Volume, LiDAR
1,305 m³
3 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
STYLE ET CHALEUR
since 20012.094.446.764
COIFFURE CATHY
since 20012.094.446.863
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53014B0990/00T220 | Wallonia | 882 m² | 1 · 47 m² | 10.0 m · 3 fl. |
| 53079A0500/00Z003 | Wallonia | 826 m² | 1 · 128 m² | 8.4 m · 2 fl. |
| 53041C0458/00F002 | Wallonia | 376 m² | 1 · 24 m² | 5.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,927 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2001
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43410Roofing work
45220
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.