CHARELS CHEMIE
ActiveSummary
CHARELS CHEMIE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.36M and a net result of €153k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+27
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 34.25 against 38.93 in 2024; short-term debt: 2.8% and cash: 5% of total assets), and 2.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
97.2%
Return on assets
10.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
24 d early
2023
6 d early
2022
28 d early
2021
34 d early
2020
31 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.36M▼ 10.4%
2024 · €1.52M
2018: €1.54M
2019: €1.85M
2020: €2.09M
2021: €2.05M
2022: €1.75M
2023: €1.73M
2024: €1.52M
2018 → 2025
Total assets
€1.40M▼ 10.4%
2024 · €1.56M
2018: €1.81M
2019: €2.10M
2020: €2.34M
2021: €2.16M
2022: €1.78M
2023: €1.91M
2024: €1.56M
2018 → 2025
Net result
€153k▲ 13.0%
2024 · €135k
2018: €352k
2019: €370k
2020: €383k
2021: €110k
2022: €-164k
2023: €163k
2024: €135k
2018 → 2025
Working capital
€1.31M▼ 9.5%
2024 · €1.44M
2018: €1.32M
2019: €1.79M
2020: €2.03M
2021: €2.00M
2022: €1.65M
2023: €1.65M
2024: €1.44M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.05M-€1.75M▼ 14.7%€1.73M▼ 0.7%€1.52M▼ 12.5%€1.36M▼ 10.4%
Operating result€149k-€28k▼ 81.6%€15k▼ 45.3%€6k▼ 62.9%€72k▲ 1,197%
Net result€110k-€-164k€163k€135k▼ 17.1%€153k▲ 13.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,197% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.40M
Fixed assets
€53k ▼ 34.4%
Current assets
€1.35M ▼ 9.1%
Equity and liabilities €1.40M
Equity
€1.36M ▼ 10.4%
Debt
€39k ▼ 11.8%
Debt's share of the balance-sheet total stays at 2.8%.
Key figures and ratios
EBITDA
€100k▲
2024 · €31k
Cash flow
€181k▲
2024 · €161k
Current ratio
34.25▼
2024 · 38.93
Debt to equity
0.03▼
2024 · 0.03
ROE
11.2%▲
2024 · 8.9%
ROA
10.9%▲
2024 · 8.7%
Interest coverage
34.08▲
2024 · 3.06
Debt ≤ 1 year
€39k▲
2024 · €38k
Income taxes
€37k▲
2024 · €15k
Staff costs
€5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.56M€1.40M▼
Fixed assets21/28€80k€53k▼
Tangible fixed assets22/27€80k€52k▼
Land and buildings22€10k€8k▼
Furniture and vehicles24€53k€32k▼
Other tangible fixed assets26€17k€13k▼
Financial fixed assets28€70€70=
Current assets29/58€1.48M€1.35M▼
Amounts receivable within one year40/41€33k€65k▲
Trade receivables40€33k€65k▲
Other amounts receivable41€491€8▼
Current investments50/53€1.32M€1.21M▼
Cash at bank and in hand54/58€130k€70k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.56M€1.40M▼
Equity10/15€1.52M€1.36M▼
Contributions10/11€6k€6k=
Reserves13€1.00M€847k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.00M€845k▼
Profit (loss) carried forward14€507k€507k=
Amounts payable17/49€45k€39k▼
Amounts payable within one year42/48€38k€39k▲
Trade debts44€588€3k▲
Suppliers440/4€588€3k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€30k€36k▲
Taxes450/3€30k€35k▲
Remuneration and social security454/9-€798
Other amounts payable47/48€8k-
Accrued charges and deferred income492/3€7k-
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€28k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€33k€107k▲
Operating profit (loss)9901€6k€72k▲
Financial income75/76B€155k€120k▼
Recurring financial income75€155k€120k▼
Financial charges65/66B€10k€3k▼
Recurring financial charges65€10k€3k▼
Profit (loss) for the period before taxes9903€150k€190k▲
Income taxes67/77€15k€37k▲
Profit (loss) for the period9904€135k€153k▲
Profit (loss) for the period to be appropriated9905€135k€153k▲
Appropriation of the result
Profit (loss) to be appropriated9906€642k€660k▲
Profit (loss) brought forward from the previous period14P€507k€507k=
Transfer from equity791/2€352k€311k▼
Transfer to equity691/2€135k€153k▲
To other reserves6921€135k€153k▲
Profit to be distributed694/7€352k€311k▼
Return on contributions (dividend)694€352k€311k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 38.93
Current ratio from 10.90 to 38.93; short-term debt falls from €167k to €38k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €163k
Net result €163k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-164k ▼249%
Net result drops to €-164k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 52.41
Current ratio from 19.27 to 52.41; short-term debt falls from €110k to €32k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 19.27
Current ratio from 9.23 to 19.27; short-term debt falls from €247k to €110k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €383k ▲3.4%
Net result €383k, the highest in the series.
Show earlier events
31-12
Financial
Equity above €2MEq €2.09M ▲12.8%
3 profitable years in a row build equity to €2.09M.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2001
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.
Moortelstraat 499150 Beveren-Kruibeke-ZwijndrechtGround area
2,695 m²
Building footprint
154 m²
Volume, LiDAR
905 m³
Parcel 46013C0230/00C000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moortelstraat 49, 9150 Beveren-Kruibeke-Zwijndrecht
since 20012.116.365.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013C0230/00C000 | Flanders | 2,695 m² | 1 · 154 m² | 7.7 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.
Similar companies · same sector, comparable size
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EUTRONIX
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Of 537 companies in sector 46120 we hold annual accounts for 303. 176 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
46120Wholesale trade
46810Wholesale of solid, liquid and gaseous fuels and related products
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.