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Generated 11-08-2026
Active BE 0798.557.151Private limited company

Beck By Charl

Route de Verviers 70 ·4845 Jalhay, Belgium· 3 yrs active
Sector: Retail trade (47721)
Conclusion Checked

The computed 12-month bankruptcy probability of Beck By Charl is 3.1% (moderate). The 2024 annual accounts show equity of €9k and a net result of €-1k. Its solvency ranks better than 31% of 6697 sector peers (fiscal year 2024). 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 1 annual account.
Key figures
Equity €9k
Net result €-1k
Better than sector 31%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health35Profitability14Solvency19Growth-Stability79
37 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 35
Profitability 14
Solvency 19
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
3.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2024 · computed
35 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 3.8% 20.4%
better than 31% of 6697 sector peers
Net result €-1k €4k
better than 32% of 6677 sector peers
Equity €9k €16k
better than 40% of 6711 sector peers
Gross operating margin €17k €24k
better than 43% of 6656 sector peers
Staff costs €4k €33k
higher than 16% of 3034 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue€298k
EBITDA€12k
Net profit€-1k
Cash flow€5k
Staff costs€4k
Income taxes-
Dividends-
Total assets€226k
Equity€9k
Debt€218k
of which ≤ 1y€158k
of which > 1y€57k
Working capital€38k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.24
Quick ratio0.06
Working capital ratio16.7%
Solvency3.8%
Debt / equity25.30
Long-term debt ratio6.62
Interest coverage1.76
Gross margin5.3%
Net margin-0.5%
ROA-0.6%
ROE-16.1%
EBITDA margin3.9%
Days sales outstanding-
Days payable outstanding53d
Inventory turnover1.52
Days inventory (DSI)240d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€226k
Fixed assets 21/28€30k
Intangible fixed assets 21€26k
Tangible fixed assets 22/27€4k
Current assets 29/58€196k
Stocks & contracts in progress 3€186k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€226k
Equity 10/15€9k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-1k
Amounts payable 17/49€218k
Amounts payable after one year 17€57k
Amounts payable within one year 42/48€158k
Trade debts payable within one year 44€41k
Income statement
Turnover 70€298k
Gross operating margin 9900€17k
Operating result 9901€5k
Financial charges 65€7k
Result before taxes 9903€-1k
Net result for the period 9904€-1k
Result to be appropriated 9905€-1k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Chariotte Gerome
    Director
    State Gazette act 23145882 (17-11-2023)
    Current
    06-11-2023 → present
Former directors (1)
  • Serge Gerome
    Director
    State Gazette act 23145882 (17-11-2023)
    Former
    - → 06-11-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Retail trade(47721)
Legal form Private limited company(610)
Incorporation17-02-2023
StatusActive
Postal code4845
Establishment units 1 location
Beck By Charl
Rue du Commerce 14, 4960 MalmedyDetailhandel in damesbovenkleding
since 20232.341.755.291
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63038A0231/00S000 Wallonia 2,459 m² 1 · 161 m² 11.4 m · 2 fl.
63049C0393/00E000 Wallonia 102 m² 1 · 54 m² 13.8 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
04-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
17-11-2023
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
17-11-2023 1 director appointed, 1 resigning Director changes
  • Chariotte Gerome, Bestuurder
  • Serge Gerome, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Serge Gerome",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": "2023-11-06",
      "evidence_quote": "Il est d\u00E9cid\u00E9 \u00E0 l\u0027unanimit\u00E9 d\u0027accepter la d\u00E9mission de Mr Serge Gerome comme administrateur de la soci\u00E9t\u00E9 avec effet imm\u00E9diat",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Chariotte Gerome",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": "2023-11-06",
      "evidence_quote": "Il est d\u00E9cid\u00E9 \u00E0 l\u0027unanimit\u00E9 de nommer de Melle Chariotte Gerome comme administrateur de la soci\u00E9t\u00E9 avec effet imm\u00E9diat qui accepte le mandat. Ce mandat est non r\u00E9mun\u00E9r\u00E9 et pour une dur\u00E9e ind\u00E9termin\u00E9e.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Li\u00E9ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-11-17",
    "filing_date": "2023-11-06",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-11-06",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0798.557.151",
    "name_full": "Beck By Charl",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Charlotte Gerome",
    "org_rep_person_name": null,
    "person_role_at_subject": "administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in schoeisel in gespecialiseerde winkels47721Detailhandel in schoeisel47721Overige niet-gespecialiseerde detailhandel47120Detailhandel in damesbovenkleding in gespecialiseerde winkels47711Detailhandel in damesbovenkleding47711Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
Legal nameFR Beck By Charl
Registered office
Route de Verviers 70
4845 Jalhay, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative