CHUM
ActiveSummary
CHUM has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-22k) and a net result of €591. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+1
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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 2025Age of the figures
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
21 d late
2023
26 d late
2022
29 d late
2021
26 d late
2020
26 d late
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-22k▲ 2.6%
2024 · €-23k
2018: €-42k
2019: €-36k
2020: €-35k
2021: €-31k
2022: €-25k
2023: €-24k
2024: €-23k
2018 → 2025
Total assets
€3k▼ 6.8%
2024 · €3k
2018: €28k
2019: €8k
2020: €24k
2021: €6k
2022: €7k
2023: €6k
2024: €3k
2018 → 2025
Net result
€591▼ 3.8%
2024 · €615
2018: €889
2019: €6k
2020: €1k
2021: €4k
2022: €6k
2023: €2k
2024: €615
2018 → 2025
Working capital
€-24k▲ 2.8%
2024 · €-24k
2018: €-49k
2019: €-38k
2020: €-56k
2021: €-33k
2022: €-27k
2023: €-25k
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-31k-€-25k▲ 18.5%€-24k▲ 6.4%€-23k▲ 2.6%€-22k▲ 2.6%
Operating result€7k-€8k▲ 16.8%€3k▼ 61.0%€2k▼ 42.5%€2k▼ 14.9%
Net result€4k-€6k▲ 38.9%€2k▼ 71.7%€615▼ 62.0%€591▼ 3.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3k
Fixed assets
€1k ▼ 12.9%
Current assets
€1k ▼ 1.4%
Key figures and ratios
EBITDA
€2k▼
2024 · €2k
Cash flow
€759▼
2024 · €863
Interest coverage
8.11▼
2024 · 8.96
Debt
€25k▼
2024 · €26k
Debt ≤ 1 year
€25k▼
2024 · €26k
Income taxes
€789▼
2024 · €1k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3k€3k▼
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€301€134▼
Plant, machinery and equipment23€59-
Furniture and vehicles24€242€134▼
Financial fixed assets28€1k€1k=
Current assets29/58€1k€1k▼
Amounts receivable within one year40/41€726€910▲
Trade receivables40€726€908▲
Other amounts receivable41-€2
Cash at bank and in hand54/58€762€557▼
Equity and liabilities
Total equity and liabilities10/49€3k€3k▼
Equity10/15€-23k€-22k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-43k€-43k▲
Amounts payable17/49€26k€25k▼
Amounts payable within one year42/48€26k€25k▼
Trade debts44€17€1k▲
Suppliers440/4€17€1k▲
Taxes, remuneration and social security45€853€1k▲
Taxes450/3€853€1k▲
Other amounts payable47/48€25k€22k▼
Accrued charges and deferred income492/3€72-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€249€168▼
Other operating charges640/8€1k€928▼
Gross operating margin9900€3k€3k▼
Operating profit (loss)9901€2k€2k▼
Financial charges65/66B€237€218▼
Recurring financial charges65€237€218▼
Profit (loss) for the period before taxes9903€2k€1k▼
Income taxes67/77€1k€789▼
Profit (loss) for the period9904€615€591▼
Profit (loss) for the period to be appropriated9905€615€591▼
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-43k▲
Profit (loss) brought forward from the previous period14P€-44k€-43k▲
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €591 ▼3.8%
Net result drops to €591, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €6k ▲38.9%
Net result €6k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
20-07
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
6 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, Watermaal-Bosvoorde · 1 establishment unit since 1981
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.
Waterwildlaan 71170 Watermaal-BosvoordeGround area
5,026 m²
Building footprint
1,883 m²
Volume, LiDAR
44,483 m³
Parcel 21017D0156/00E002, Brussels · tallest building 48.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Waterwildlaan 7, 1170 Watermaal-Bosvoorde
since 19812.019.658.279
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0156/00E002 | Brussels | 5,026 m² | 1 · 1,882 m² | 48.7 m · 7 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.
Similar companies · same sector and region
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-12-1981
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0478/229332