CHARCO

Active

Private limited companyfounded 1980active for 46 yearsPleisterplaatsstraat 46, 1170 Watermaal-Bosvoorde, BelgiumKBO/BCE: BE 0420.870.825

Summary

CHARCO has been active since 1980 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €295,114. Equity is shrinking by about 6.2% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

CHARCOActiveChecked score 95/100

Risk analysis Report Compare

Activity

“La prise de participations, sous quelque forme que ce soit, dans toutes sociétés ou…” (deed in French)

From the articles, 6 activitiesNo NACE code in the KBO yet1 site

Size

€471,862turnover 2025

Equity: €1.7m
Profit: €295,114

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

Largest shareholder: CHARIMMO · 40%

CHARHON HélèneDirector

2025 accounts 59 days early1 of 7 deeds summarised

Why 95raises riskNo main activity registeredlowers riskSize: turnover €471,862, total assets €2.4mFounded in 1980Figures for financial year 2025 (filed 04-06-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 60% of its sector peers (no NACE code, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 94-6

equity 69.0% of total assets

Liquidity 52-9

short-term debt 29.9% · cash 11.2%

Profitability 89-1

return on assets 12.3%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: < 0.1%▼ -0.1 percentage points vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: 0.1%▲ +0.1 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit of up to €45,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.41, compared with 0.85 in 2024, below 1; short-term debt: 29.9% and cash: 11.2% of total assets), and 31% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, small): better than 59% on solvency, 62% on liquidity, 94% on profitability and 24% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: turnover €471,862, total assets €2.4m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

No main activity registered

KBO

Founded in 1980

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Figures for financial year 2025 (filed 04-06-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

59 days early

2024

30 days early

2023

75 days early

2022

84 days early

2021

62 days early

2020

71 days early

2019

73 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 65 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 May (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-06-2026 Annual accounts filedfinancial year 2025 · full…
25-11-2025 Resignation: Hélène CHARHON (manager)Appointment: Hélène CHARHON (administrateur statutaire…
01-07-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €295,114 8 years View
New directorlatest change 20-11-2025 · 1 in office 1 joined View
Active since 1980founded 24-10-1980 46 years View

By topic

Financials

Financial year: 2025
Turnover: €471,862
Profit: €295,114
Solvency: 69.0%

Turnover▼ 0.1%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member
Largest shareholder: CHARIMMO · 40%

CHARHON HélèneDirector

Go to Board & ownership

Timeline

Events: 45
Since: 1982
Next accounts: by 31-07-2027

31-12-2024Highest result from 2018 to 2025
31-12-2024Equity above €2m
17-05-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Founded: 24-10-1980
Year ends: 31-12
Peppol: Not found in the Peppol directory

Go to Company details

Articles of association

Provisions read: 24

Annual meeting: 2 June at 18:00
Purpose: “La prise de participations, sous quelque forme que ce soit, dans toutes sociétés ou…” (deed in French)

Go to Articles of association

Key facts about CHARCO

What is the company number of CHARCO?: 0420.870.825. In Belgium the VAT number is the company number with BE in front: BE 0420.870.825.
Where is CHARCO based?: The registered office is at Pleisterplaatsstraat 46, 1170 Watermaal-Bosvoorde.Company details
What is the legal form of CHARCO?: Private limited company (BV).
When was CHARCO founded?: On 24-10-1980.
Is CHARCO still active?: Yes, CHARCO is an active enterprise in the KBO register.
How many employees does CHARCO have?: On average 1 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
What is the turnover of CHARCO?: €471,862 in financial year 2025, according to the filed annual accounts.
Is CHARCO profitable?: In financial year 2025, CHARCO made a profit of €295,114.
Where can I find the annual accounts of CHARCO?: CHARCO filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CHARCO due?: By 31-07-2027, for financial year 2026.Timeline