BRUNO CHARLIER
ActiveBRUNO CHARLIER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €128k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+23
Solvency82▼-16
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 2.28 in 2024), but 56% of the assets are financed with debt.
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 01
Relative position
BE, all sectors
reference
Sector 01
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
44%
Return on assets
29%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-04-2026, 108 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
108 d early
2024
73 d early
2023
92 d early
2022
69 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 0.1%
2024 · €194k
2022: €137k
2023: €166k
2024: €194k
2022 → 2025
Total assets
€441k▲ 36.3%
2024 · €324k
2022: €276k
2023: €299k
2024: €324k
2022 → 2025
Net result
€128k▲ 331%
2024 · €30k
2022: €118k
2023: €31k
2024: €30k
2022 → 2025
Working capital
€177k▲ 6.6%
2024 · €166k
2022: €82k
2023: €124k
2024: €166k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€137k-€166k▲ 21.6%€194k▲ 16.9%€194k▲ 0.1%
Operating result€150k-€41k▼ 72.9%€45k▲ 9.3%€156k▲ 250%
Net result€118k-€31k▼ 73.7%€30k▼ 4.3%€128k▲ 331%
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 250% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€18k▼ 37.6%
Current assets
€424k▲ 43.4%
Equity and liabilities €441k
Equity
€194k▲ 0.1%
Debt
€247k▲ 90.4%
The debt ratio rises from 40.1% to 56.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€169k▲
2024 · €58k
Cash flow
€142k▲
2024 · €43k
Solvency
44.0%▼
2024 · 59.9%
Current ratio
1.71▼
2024 · 2.28
Quick ratio
1.71▼
2024 · 2.28
Debt / equity
1.27▲
2024 · 0.67
ROE
66.0%▲
2024 · 15.3%
ROA
29.0%▲
2024 · 9.2%
Interest coverage
2289.01▲
2024 · 742.01
Debt
€247k▲
2024 · €130k
Debt ≤ 1 year
€247k▲
2024 · €130k
Income taxes
€33k▲
2024 · €15k
Staff costs
€15k▲
2024 · €4k
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€324k€441k▲
Fixed assets21/28€29k€18k▼
Tangible fixed assets22/27€29k€18k▼
Plant, machinery and equipment23€5k€5k▲
Furniture and vehicles24€24k€13k▼
Current assets29/58€295k€424k▲
Amounts receivable within one year40/41€2k€872▼
Trade receivables40€1k€872▼
Other amounts receivable41€815-
Current investments50/53-€100k
Cash at bank and in hand54/58€293k€323k▲
Equity and liabilities
Total equity and liabilities10/49€324k€441k▲
Equity10/15€194k€194k▲
Contributions10/11€20k€20k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€146k€146k▲
Amounts payable17/49€130k€247k▲
Amounts payable within one year42/48€130k€247k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€126k€244k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€526€1k▲
Gross operating margin9900€63k€186k▲
Operating profit (loss)9901€45k€156k▲
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€78€74▼
Recurring financial charges65€78€74▼
Profit (loss) for the period before taxes9903€45k€161k▲
Income taxes67/77€15k€33k▲
Profit (loss) for the period9904€30k€128k▲
Profit (loss) for the period to be appropriated9905€30k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€274k▲
Profit (loss) brought forward from the previous period14P€146k€146k=
Transfer to equity691/2€28k-
To other reserves6921€28k-
Profit to be distributed694/7€2k€128k▲
Return on contributions (dividend)694€2k€128k▲
The notes to these accounts (5 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
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €128k ▲331%
Operating result €156k, net result €128k, both a record.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €30k ▼4.3%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €166k ▲21.6%
2 profitable years in a row build equity to €166k.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Overijse · 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.
Lindaal 183090 OverijseGround area
2,664 m²
Building footprint
193 m²
Volume, LiDAR
1,219 m³
Parcel 23544C0652/00S000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRUNO CHARLIER BV
since 20222.329.026.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544C0652/00S000 | Flanders | 2,664 m² | 1 · 193 m² | 8.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOverijse2.329.026.022
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Of 223 companies in sector 01199 we hold annual accounts for 34. 27 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2022
Fiscal year end31-12
Activities, NACEBEL
01199Crop and animal production, hunting and related service activities
01240Growing of pome and stone fruits
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.