Chareltje
ActiveThe computed 12-month bankruptcy probability of Chareltje is 2.3% (moderate). The 2024 annual accounts show equity of €33k and a net result of €3k. Its solvency ranks better than 46% of 26049 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. The bankruptcy probability (2.3%) counts for 35% and brings the score to 59. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes
Profitability50
Solvency53
Growth-
Track record67
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.36; short-term debt: 35.9% and cash: 39.8% of total assets), but 72% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
28%
Return on assets
2.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filingDeviation from the deadline
2024
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k
Total assets
€117k
Net result
€3k
Working capital
€57k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €117k
Fixed assets
€18k
Current assets
€99k
Equity and liabilities €117k
Equity
€33k
Debt
€85k
Debt finances 72.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€7k
Cash flow
€4k
Solvency
28.0%
Current ratio
2.36
Quick ratio
1.38
Debt / equity
2.58
ROE
8.6%
ROA
2.4%
Interest coverage
3.40
Debt
€85k
Debt ≤ 1 year
€42k
Debt > 1 year
€42k
Income taxes
€912
Staff costs
€5k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€117k
Fixed assets21/28€18k
Tangible fixed assets22/27€18k
Plant, machinery and equipment23€2k
Other tangible fixed assets26€16k
Current assets29/58€99k
Stocks and contracts in progress3€41k
Stocks30/36€41k
Amounts receivable within one year40/41€11k
Trade receivables40€5k
Other amounts receivable41€6k
Cash at bank and in hand54/58€47k
Equity and liabilities
Total equity and liabilities10/49€117k
Equity10/15€33k
Contributions10/11€30k
Profit (loss) carried forward14€3k
Amounts payable17/49€85k
Amounts payable after more than one year17€42k
Financial debts170/4€42k
Amounts payable within one year42/48€42k
Current portion of amounts payable after more than one year42€7k
Trade debts44€21k
Suppliers440/4€21k
Advances received on contracts in progress46€2k
Taxes, remuneration and social security45€12k
Taxes450/3€11k
Remuneration and social security454/9€897
Income statement
Code2024
Remuneration, social security and pensions62€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€922
Other operating charges640/8€145
Gross operating margin9900€12k
Operating profit (loss)9901€6k
Financial income75/76B€30
Recurring financial income75€30
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€4k
Income taxes67/77€912
Profit (loss) for the period9904€3k
Profit (loss) for the period to be appropriated9905€3k
Appropriation of the result
Profit (loss) to be appropriated9906€3k
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
NBB filing
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, Kontich · 1 establishment unit since 2024
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.
Scheihagenstraat 502550 KontichGround area
1,546 m²
Building footprint
260 m²
Volume, LiDAR
1,645 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chareltje
since 20242.361.933.568
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0161/00R004 | Flanders | 799 m² | 1 · 160 m² | 10.5 m · 3 fl. |
| 11602E0181/02P000 | Flanders | 747 m² | 1 · 100 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
DEFITEX
BE 0437.000.242
Haacht · Eq €33k
SOHO OUTLET
BE 0831.244.072
Antwerpen · Eq €33k
DOMAR
BE 0463.626.445
Lubbeek · Eq €33k
HI ENTREPRISE
BE 0785.366.141
Mons · Eq €33k
Cara Rosa
BE 0701.749.468
Gent · Eq €33k
Of 6,501 companies in sector 47716 we hold annual accounts for 2,439. 1,755 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2024
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47712Retail trade
47715Retail trade
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.