CHARDUIN
ActiveSummary
CHARDUIN has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €224,995 and a net result of €114,090. Equity is growing by about 45% per year across the filed financial years. Its solvency ranks better than 63% of 15,709 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €224,995
- Profit
- €114,090
Why 97lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 3.17, cash €181,681Equity €224,995 (68.6% of total assets)Size: total assets €328,133Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (NACE 69, micro): better than 65% on solvency, 78% on liquidity, 82% on profitability and 90% on growth.
The bankruptcy probability was computed on 26-10-2026 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
This company filed its last 3 accounts on average 25 days after the deadline; the sector median (NACE 69) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €114,090
- Equity above €200,000equity €224,995 ▲103%
Financials · financial year 2025, micro format
2025 annual accounts filed late (18 days) Filed on 18 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00403448.
2023 to 2025, 3 financial years
The operating result returns to profit in 2025: €148,754 after a loss of €5,623 in 2024, the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 69, Legal and accounting activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: < 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €311 | €191 | €191 | = |
| Other operating charges640/8 | €1,272 | €435 | €806 | ▲ 85.2% |
| Gross operating margin9900 | €142,298 | -€4,997 | €149,751 | - |
| Operating profit (loss)9901 | €140,715 | -€5,623 | €148,754 | - |
| Financial income75/76B | €4 | €0 | €1,740 | - |
| Recurring financial income75 | €4 | €0 | €1,740 | - |
| Financial charges65/66B | €15 | €161 | €206 | ▲ 28.0% |
| Recurring financial charges65 | €15 | €161 | €206 | ▲ 28.0% |
| Profit (loss) for the period before taxes9903 | €140,705 | -€5,784 | €150,288 | - |
| Income taxes67/77 | €32,846 | €1,169 | €36,198 | ▲ 31× |
| Profit (loss) for the period9904 | €107,859 | -€6,954 | €114,090 | - |
| Profit (loss) for the period to be appropriated9905 | €107,859 | -€6,954 | €114,090 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €171,756 | €158,613 | €328,133 | ▲ 107% |
| Fixed assets21/28 | €1,597 | €1,406 | €1,216 | ▼ 13.6% |
| Tangible fixed assets22/27 | €1,597 | €1,406 | €1,216 | ▼ 13.6% |
| Furniture and vehicles24 | €1,597 | €1,406 | €1,216 | ▼ 13.6% |
| Current assets29/58 | €170,159 | €157,207 | €326,917 | ▲ 108% |
| Amounts receivable within one year40/41 | €16,940 | €11,412 | €49,489 | ▲ 334% |
| Trade receivables40 | €16,940 | €8,712 | €49,362 | ▲ 467% |
| Other amounts receivable41 | - | €2,700 | €128 | ▼ 95.3% |
| Current investments50/53 | - | - | €93,095 | - |
| Cash at bank and in hand54/58 | €153,219 | €145,795 | €181,681 | ▲ 24.6% |
| Deferred charges and accrued income490/1 | - | - | €2,652 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €171,756 | €158,613 | €328,133 | ▲ 107% |
| Equity10/15 | €117,859 | €110,905 | €224,995 | ▲ 103% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €107,859 | €107,859 | €214,995 | ▲ 99.3% |
| Distributable reserves133 | €107,859 | €107,859 | €214,995 | ▲ 99.3% |
| Profit (loss) carried forward14 | - | -€6,954 | - | - |
| Amounts payable17/49 | €53,897 | €47,708 | €103,137 | ▲ 116% |
| Amounts payable within one year42/48 | €46,402 | €47,090 | €103,137 | ▲ 119% |
| Trade debts44 | €1,099 | €45 | €2,671 | ▲ 59× |
| Suppliers440/4 | €1,099 | €45 | €2,671 | ▲ 59× |
| Taxes, remuneration and social security45 | €37,947 | €34,015 | €81,805 | ▲ 140% |
| Taxes450/3 | €37,947 | €34,015 | €81,805 | ▲ 140% |
| Other amounts payable47/48 | €7,356 | €13,029 | €18,661 | ▲ 43.2% |
| Accrued charges and deferred income492/3 | €7,495 | €619 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €107,859 | -€6,954 | €114,090 | - |
| + Depreciation and write-downs630 | €311 | €191 | €191 | = |
| Operating cash flow (approximation) | €108,169 | -€6,763 | €114,281 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€7,424 | €35,886 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 18-08-2026 | 2026-00403448 |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00457916 |
| 31-12-2023 | micro format | 28-08-2024 | 2024-00422748 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2023 to 2025 · 3 entries · €4,600 awarded · €4,600 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €1,859 | €1,859 |
| 2024 | 1 | €1,131 | €1,131 |
| 2023 | 1 | €1,610 | €1,610 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
21-05
Gazette deed
Purpose · Amendment of the articlesPurpose change4 facts ▸
- General meeting, 30-04-2025
- Other provision, “ontslag van voorlezing verslag bestuurder”, 24-04-2025 (deed in Dutch)
- Other provision, “kennisname verslag bestuurder, aandeelhouder” (deed in Dutch)
- Purpose change
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31338E0221/00_000 | Flanders | 619 m² | 1 · 227 m² | 12.5 m · 4 |
How the parcels are linked
Articles of association
- PurposeThe activities the company may carry out under its articles.
- “Consultancy en diensten op het vlak van juridische dienstverlening; Activiteiten van juristen; Het verlenen van advies,bijstand,know-how en…” (deed in Dutch)
11 activities (deed in Dutch)
- Consultancy en diensten op het vlak van juridische dienstverlening;
- Activiteiten van juristen;
- Het verlenen van advies,bijstand,know-how en algemene diensten op het gebied van management,marketing,promotie,communicatie,ontwikkeling,research,design,handel en productie,vastgoed,zakelijke rechten,secretariaat,bedrijfs- en financieel beheer,en al wat daarmee rechtstreeks of onrechtstreeks verband houdt;
- Het verlenen van advies,bijstand en tussenkomst bij de oprichting van vennootschappen of ondernemingen,handel en overdracht van aandelen in vennootschappen,het vertegenwoordigen van bedrijven,het uitoefenen van management- en holdingactiviteiten;
- Het verlenen van alle diensten en verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op roerende en onroerende goederen,zowel in binnenland als buitenland en in de breedste zin van het woord;
- Het organiseren van business meetings,seminaries,vakbeurzen,handelsmissies,professionele contacten,zowel in binnenland als buitenland en alles wat daarmee te maken heeft;
- Het organiseren en inrichten van platformen voor de verkoop van om het even welke goederen en diensten,inzonderheid maar niet beperkt tot juridische producten en diensten,de behandeling van transacties,voor eigen of andermans rekening;
- Het onderhandelen met partijen in geschillen(buitengerechtelijke geschiloplossing);
- Het faciliteren van gespecialiseerd advies aan advocatenkantoren,overheidsinstellingen,grote bedrijven en KMO’s en starters;
- Het opstellen van specifieke contracten in alle rechtsgebieden;
- Het uitvoeren van audits binnen ondernemingen en andere organisaties en het geven van aangepast advies.
Read from the deeds: 1 provision, deed of 21-05-2025