CHARBELL
ActiveThe computed 12-month bankruptcy probability of CHARBELL is 3.7% (moderate). The 2025 annual accounts show equity of €13k and a net result of €137. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 13240 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-6
Solvency80▲+18
Growth52=
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.0 in 2024; short-term debt: 44.7% and cash: 38.2% of total assets), and 44.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
30 d late
2022
22 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 1.1%
2024 · €13k
2022: €10k
2023: €11k
2024: €13k
2022 → 2025
Total assets
€23k▼ 31.9%
2024 · €34k
2022: €28k
2023: €23k
2024: €34k
2022 → 2025
Net result
€137▼ 92.5%
2024 · €2k
2022: €2k
2023: €1k
2024: €2k
2022 → 2025
Working capital
€3k
2024 · €-16
2022: €2k
2023: €5k
2024: €-16
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€11k▲ 10.8%€13k▲ 16.9%€13k▲ 1.1%
Operating result€3k-€2k▼ 53.0%€3k▲ 84.2%€8k▲ 173%
Net result€2k-€1k▼ 52.7%€2k▲ 73.8%€137▼ 92.5%
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 173% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€10k▼ 22.5%
Current assets
€13k▼ 37.5%
Equity and liabilities €23k
Equity
€13k▲ 1.1%
Debt
€10k▼ 51.5%
The debt ratio falls from 62.7% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €7k
Cash flow
€3k▼
2024 · €5k
Solvency
55.3%▲
2024 · 37.3%
Current ratio
1.29▲
2024 · 1.00
Quick ratio
1.07▲
2024 · 0.89
Debt / equity
0.81▼
2024 · 1.68
ROE
1.1%▼
2024 · 14.4%
ROA
0.6%▼
2024 · 5.4%
Interest coverage
15.09▲
2024 · 8.91
Debt
€10k▼
2024 · €21k
Debt ≤ 1 year
€10k▼
2024 · €21k
Income taxes
€96▼
2024 · €678
Staff costs
€16k▲
2024 · €15k
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€34k€23k▼
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€12k€10k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€8k€7k▼
Financial fixed assets28€120€120=
Current assets29/58€21k€13k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€3k€748▼
Other amounts receivable41€386€2k▲
Cash at bank and in hand54/58€15k€9k▼
Deferred charges and accrued income490/1€302-
Equity and liabilities
Total equity and liabilities10/49€34k€23k▼
Equity10/15€13k€13k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€5k€5k▲
Amounts payable17/49€21k€10k▼
Amounts payable within one year42/48€21k€10k▼
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€178▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€4k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€15k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€521€646▲
Gross operating margin9900€22k€28k▲
Operating profit (loss)9901€3k€8k▲
Financial income75/76B€215€138▼
Recurring financial income75€215€138▼
Financial charges65/66B€739€8k▲
Recurring financial charges65€739€767▲
Non-recurring financial charges66B-€7k
Profit (loss) for the period before taxes9903€2k€233▼
Income taxes67/77€678€96▼
Profit (loss) for the period9904€2k€137▼
Profit (loss) for the period to be appropriated9905€2k€137▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€5k▲
Profit (loss) brought forward from the previous period14P€3k€5k▲
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €137 ▼92.5%
Net result drops to €137, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
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, Zaventem · 1 establishment unit since 2021
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.
Kerkplein 181930 ZaventemGround area
331 m²
Building footprint
173 m²
Volume, LiDAR
1,016 m³
Parcel 23772C0139/00G000, Flanders · tallest building 12.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CHARBEL CATERAAR
since 20212.321.435.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0139/00G000 | Flanders | 331 m² | 1 · 173 m² | 12.2 m · 1 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 siteZaventem2.321.435.969
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Vanliever
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PL FOOD
BE 0781.794.363
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L’ami de Claire Fontaine
BE 0723.903.971
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De Klaver
BE 0755.709.974
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,627 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2021
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.