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TCHAFOU

Active
Chemin des Postes 140A ·1410 Waterloo, Belgium
KBO/BCE: BE 1000.140.076
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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age2 yrs
Real estate1 parcel · 378 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of TCHAFOU is 0.4% (very low). The 2025 annual accounts show equity of €21k and a net result of €4k. Its solvency ranks better than 54% of 4752 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 31-03-2026 30 d early 2026-00069889
30-09-2024 30-04-2025 23-04-2025 7 d early 2025-00076064

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-75.9%
Working capital€21k+8.4%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 31-03-2026 with the NBB · fiscal year 2025 · micro
€0€10k€20kOperating result 2024: €21k€21kNet result 2024: €17k€17kOperating result 2025: €6k€6kNet result 2025: €4k€4k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 60.8% 55.4%
better than 54% of 4752 sector peers
Net result €4k €38k
better than 19% of 4752 sector peers
Equity €21k €64k
better than 28% of 4753 sector peers
Gross operating margin €6k €61k
better than 13% of 4745 sector peers
Total assets €34k €146k
better than 10% of 4753 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€22k
- 24-25
Net profit
€4k
-75.9% 24-25
Cash flow
€18k
- 24-25
Total assets
€34k
+12.0% 24-25
Equity
€21k
+24.1% 24-25
Working capital
€21k
+8.4% 24-25
Income taxes
€1k
-70.4% 24-25
Debt
€13k
-2.8% 24-25
Debt ≤ 1y
€13k
+17.9% 24-25
Current ratio
2.55
-5.0% 24-25
Quick ratio
2.55
-5.0% 24-25
Solvency
60.8%
+10.9% 24-25
Debt / equity
0.65
-21.7% 24-25
ROE
19.4%
-80.6% 24-25
ROA
11.8%
-78.5% 24-25
Interest coverage
177.03
- 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA-
Net profit€4k
Cash flow-
Staff costs-
Income taxes€1k
Dividends-
Total assets€34k
Equity€21k
Debt€13k
of which ≤ 1y€13k
of which > 1y-
Working capital€21k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.55
Quick ratio2.55
Working capital ratio60.8%
Solvency60.8%
Debt / equity0.65
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA11.8%
ROE19.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€34k
Current assets 29/58€34k
Amounts receivable within one year 40/41€7k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€34k
Equity 10/15€21k
Accumulated profits (losses) 14€21k
Amounts payable 17/49€13k
Amounts payable within one year 42/48€13k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€6k
Operating result 9901€6k
Financial income 75€166
Financial charges 65€452
Result before taxes 9903€5k
Income taxes 67/77€1k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
85 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
Chemin des Postes 140A, 1410 Waterloo
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20232.358.246.083
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area378 m²
Buildings1
Building footprint67 m²
Volume (LiDAR)537 m³
Tallest building10.7 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25110D0153/00_000 Wallonia 378 m² 1 · 67 m² 10.7 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health85Profitability97Solvency99Growth52Stability82
83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 85
Profitability 97
Solvency 99
Growth 52
Stability 82

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,452 of the 82,011 companies in this sector. 11,636 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Schrijnwerk43320Schrijnwerk43320Groothandel in hout46732Groothandel in hout46832Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521
Primary activity highlighted.
Names & trade names
Legal nameFR TCHAFOU
Registered office
Chemin des Postes 140A
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.