BERTRAND CHARLENE
ActiveBERTRAND CHARLENE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €43k. Equity is growing by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 24.44 against 15.98 in 2024; short-term debt: 4.1% and cash: 67% of total assets), and 4.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
95.9%
Return on assets
38.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 08-10-2025, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
23 d early
2024
on the day
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 67.7%
2024 · €64k
2023: €48k
2024: €64k
2023 → 2025
Total assets
€112k▲ 63.9%
2024 · €68k
2023: €55k
2024: €68k
2023 → 2025
Net result
€43k▲ 167%
2024 · €16k
2023: €44k
2024: €16k
2023 → 2025
Working capital
€107k▲ 67.7%
2024 · €64k
2023: €48k
2024: €64k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€48k-€64k▲ 33.9%€107k▲ 67.7%
Operating result€67k-€24k▼ 63.6%€63k▲ 161%
Net result€44k-€16k▼ 63.4%€43k▲ 167%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 161% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €112k
Equity
€107k▲ 67.7%
Debt
€5k▲ 7.1%
The debt ratio falls from 6.3% to 4.1%. Equity and debt are higher.
Key figures and ratios
Solvency
95.9%▲
2024 · 93.7%
Current ratio
24.44▲
2024 · 15.98
Quick ratio
24.44▲
2024 · 15.98
Debt / equity
0.04▼
2024 · 0.07
ROE
40.4%▲
2024 · 25.3%
ROA
38.7%▲
2024 · 23.7%
Debt
€5k▲
2024 · €4k
Debt ≤ 1 year
€5k▲
2024 · €4k
Income taxes
€18k▲
2024 · €7k
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€68k€112k▲
Current assets29/58€68k€112k▲
Amounts receivable within one year40/41€43k€23k▼
Trade receivables40€2k€60▼
Other amounts receivable41€42k€23k▼
Cash at bank and in hand54/58€17k€75k▲
Deferred charges and accrued income490/1€7k€14k▲
Equity and liabilities
Total equity and liabilities10/49€68k€112k▲
Equity10/15€64k€107k▲
Contributions10/11€4k€4k=
Reserves13€60k€103k▲
Distributable reserves133€60k€103k▲
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€796€2k▲
Suppliers440/4€796€2k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€350-
Income statement
Code20242025
Other operating charges640/8€193-
Gross operating margin9900€24k€63k▲
Operating profit (loss)9901€24k€63k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€23k€61k▲
Income taxes67/77€7k€18k▲
Profit (loss) for the period9904€16k€43k▲
Profit (loss) for the period to be appropriated9905€16k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€43k▲
Transfer to equity691/2€16k€43k▲
To other reserves6921€16k€43k▲
The notes to these accounts (2 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
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €100kEq €107k ▲67.7%
3 profitable years in a row build equity to €107k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €16k ▼63.4%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 15.98
Current ratio from 7.72 to 15.98; short-term debt falls from €7k to €4k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2022
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.
Rue Emile Leclercq 536031 CharleroiGround area
537 m²
Building footprint
132 m²
Volume, LiDAR
690 m³
Parcel 52047B0366/00F066, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Leclercq 53, 6031 Charleroi
since 20222.339.200.431
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0366/00F066 | Wallonia | 537 m² | 1 · 132 m² | 7.2 m · 2 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.
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INGE'S ZORGTEAM
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,808. 1,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2022
Fiscal year end31-03
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.