MAISON CHOCOLA
ActiveMAISON CHOCOLA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €54k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 87% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+5
Solvency100▲+1
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.46 against 4.23 in 2024; short-term debt: 19.9% and cash: 73.7% of total assets), and 20.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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
79.9%
Return on assets
24.3%
Age of the figures
12 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €178k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-03-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
33 d early
2023
63 d early
2022
75 d early
2021
40 d early
2020
29 d early
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 18.3%
2024 · €151k
2018: €171k
2019: €197k
2020: €197k
2021: €156k
2022: €117k
2023: €134k
2024: €151k
2018 → 2025
Total assets
€223k▲ 9.5%
2024 · €204k
2018: €249k
2019: €235k
2020: €251k
2021: €201k
2022: €192k
2023: €194k
2024: €204k
2018 → 2025
Net result
€54k▲ 31.9%
2024 · €41k
2018: €24k
2019: €28k
2020: €30k
2021: €46k
2022: €34k
2023: €30k
2024: €41k
2018 → 2025
Working capital
€153k▲ 16.0%
2024 · €132k
2018: €155k
2019: €160k
2020: €157k
2021: €117k
2022: €112k
2023: €136k
2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€117k▼ 25.0%€134k▲ 15.1%€151k▲ 12.2%€178k▲ 18.3%
Operating result€54k-€51k▼ 4.6%€48k▼ 6.8%€52k▲ 8.5%€81k▲ 56.7%
Net result€46k-€34k▼ 26.4%€30k▼ 9.7%€41k▲ 35.5%€54k▲ 31.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€25k▼ 16.9%
Current assets
€198k▲ 14.2%
Equity and liabilities €223k
Equity
€178k▲ 18.3%
Debt
€45k▼ 15.4%
The debt ratio falls from 26.0% to 20.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €60k
Cash flow
€62k▲
2024 · €49k
Solvency
79.9%▲
2024 · 74.0%
Current ratio
4.46▲
2024 · 4.23
Quick ratio
4.11▲
2024 · 3.78
Debt / equity
0.25▼
2024 · 0.35
ROE
30.4%▲
2024 · 27.3%
ROA
24.3%▲
2024 · 20.2%
Interest coverage
190.58▲
2024 · 23.90
Debt
€45k▼
2024 · €53k
Debt ≤ 1 year
€44k▲
2024 · €41k
Debt > 1 year
€0▼
2024 · €11k
Income taxes
€26k▲
2024 · €8k
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€204k€223k▲
Fixed assets21/28€30k€25k▼
Intangible fixed assets21€849€0▼
Tangible fixed assets22/27€29k€25k▼
Land and buildings22€24k€19k▼
Plant, machinery and equipment23€433€1k▲
Furniture and vehicles24€5k€5k▼
Current assets29/58€173k€198k▲
Amounts receivable after more than one year29-€2k
Other amounts receivable291-€2k
Stocks and contracts in progress3€18k€16k▼
Stocks30/36€18k€16k▼
Amounts receivable within one year40/41€11k€14k▲
Trade receivables40-€5k
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€122k€164k▲
Deferred charges and accrued income490/1€22k€2k▼
Equity and liabilities
Total equity and liabilities10/49€204k€223k▲
Equity10/15€151k€178k▲
Contributions10/11€2k€2k=
Reserves13€149k€177k▲
Tax-exempt reserves132€20k€20k=
Distributable reserves133€129k€157k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€45k▼
Amounts payable after more than one year17€11k€0▼
Other amounts payable178/9€11k€0▼
Amounts payable within one year42/48€41k€44k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€24k€31k▲
Accrued charges and deferred income492/3€448€453▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A-€880
Gross operating margin9900€62k€92k▲
Operating profit (loss)9901€52k€81k▲
Financial income75/76B€1€51▲
Recurring financial income75€1€51▲
Financial charges65/66B€3k€466▼
Recurring financial charges65€3k€466▼
Profit (loss) for the period before taxes9903€49k€81k▲
Income taxes67/77€8k€26k▲
Profit (loss) for the period9904€41k€54k▲
Profit (loss) for the period to be appropriated9905€41k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€54k▲
Transfer from equity791/2€2k€27k▲
Transfer to equity691/2€18k€54k▲
To other reserves6921€18k€54k▲
Profit to be distributed694/7€25k€27k▲
Return on contributions (dividend)694€2k€27k▲
Directors or managers695€23k€0▼
The notes to these accounts (10 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €54k ▲31.9%
Operating result €81k, net result €54k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €151k ▲12.2%
7 profitable years in a row build equity to €151k.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 7.62
Current ratio from 3.79 to 7.62; short-term debt falls from €40k to €20k.
14-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Erpe-Mere · 1 establishment unit since 2013
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.
Oudenaardsesteenweg 5769420 Erpe-MereGround area
48 m²
Parcel 41006A0399/00B002, Flanders. Linked by address, not a title deed.
1 establishment unit
MAISON CHOCOLA
since 20132.216.071.007
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41006A0399/00B002 | Flanders | 48 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteErpe-Mere2.216.071.007
Similar companies · same sector, comparable size
GALLER BOUTIQUES
BE 0838.913.606
Herstal · Eq €177k
BOUTIQUE ARC-EN-CIEL
BE 0437.019.543
Florenville · Eq €177k
CAPAJEGI
BE 0821.200.317
Blankenberge · Eq €175k
BIREN'S
BE 0644.566.186
Zaventem · Eq €174k
LE CASTEL
BE 0457.902.653
Bouillon · Eq €174k
Of 900 companies in sector 47242 we hold annual accounts for 339. 277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2012
Fiscal year end30-09
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.