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CHRISTOM

Active
Public limited companyfounded 1990active for 36 yearsLostraat 101, 1703 Dilbeek, BelgiumKBO/BCE: BE 0441.420.274
Summary

CHRISTOM has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.9m and a net result of €70,614. Equity remains stable across the filed financial years (±2.2% per year). Its solvency ranks better than 63% of 5,674 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201Retail sale of bread and pastry (bakery outlets) NACE 47241
10th largest company by equity in Dilbeek, Real estate sector2 sites
Size
€5.4mtotal assets 2025
Staff
3 FTE
Equity
€2.9m
Profit
€70,614
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Accounts filed 54 days late1 of 9 deeds read
Why 89raises riskLiquidity: current ratio 2.10, cash €42,740Latest accounts 54 days late; 2 of the last 3 latelowers riskFounded in 1990Size: 3 FTE, total assets €5.4mShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 57% of its sector peers (NACE 68, micro)
Financial strength · tick = 2024
Strong
Solvency 80+4
equity 54.6% of total assets
Liquidity 51=
short-term debt 5.0% · cash 0.8%
Profitability 64+23
return on assets 1.3%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,562 companies, NACE 68, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.3%▲ +0.1 percentage points vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.2%▼ -0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.5%▲ +0.3 percentage points vs 07-2026 09-2026: 0.6%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.2%▼ -0.4 percentage points vs 09-2026lowest value
Credit of up to €260,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.1, compared with 1.82 in 2024, above the usual 1.5; short-term debt: 5% and cash: 0.8% of total assets), and 45.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 67% on solvency, 56% on liquidity, 51% on profitability and 53% on growth.

The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 2.10, cash €42,740
NBB · annual accounts
raises risk · Latest accounts 54 days late; 2 of the last 3 late
NBB · filings
lowers risk · Founded in 1990
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: 3 FTE, total assets €5.4m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
54 days late
2024
37 days early
2023
41 days late
2022
9 days late
2021
67 days late
2020
73 days late
2019
75 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 40 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 September (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Where today falls in the filing period
14-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Appointments: Christel Locus, Kristof Locus and…Gazette deed
  3. Back to profitnet €70,614

Key points

  • Positive: Back in profit in 2025after -€54,715 in 2024 €70,614 View
  • Positive: 10th largest company by equity in Dilbeek, Real estate sectorin the Checked rankings No. 10 View
  • New directorslatest change 27-05-2026 · 0 in office 3 joined View

By topic

Financials

Financial year
2025
Total assets
€5.4m
Profit
€70,614
Solvency
54.6%
Total assets▼ 4.1%
Net result
20182025
Go to Financials

Timeline

Events
41
Since
1991
Next accounts
by 31-07-2027
  1. 24-06-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 10-09-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
28-06-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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