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Chareltje

Active
Private limited companyfounded 2024active for 2 yearsScheihagenstraat 50, 2550 Kontich, BelgiumKBO/BCE: BE 1008.685.875
Summary

The computed 12-month bankruptcy probability of Chareltje is 4.2% (elevated). The 2024 annual accounts show equity of €32,835 and a net result of €2,835. Its solvency ranks better than 46% of 25,563 sector peers (NACE 47, financial year 2024). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 23-04-2024 Normal situation
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 3 others
Joint committee
201 Independent retail · annual accounts 2024
Establishment unit
2.361.933.568 2540 Hove, since 23-04-2024
Financial year end
31 December
Peppol
Reachable since 24-08-2026

Board and ownership

Board
Shareholders
  • KERCKHOFS Jandeed of 25-04-2024
  • HEYVAERT Katodeed of 25-04-2024

Financial position

49 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
4.2%
Annual accounts 2024
Gross margin
€12,160
Turnover
≈ €140,000
estimated
Profit
€2,835
Equity
€32,835
Total assets
€117,386
Staff
0.8 FTE
  • 2024 accounts filed 92 days after the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 31-10-2025)1 financial year not filed after the legal deadline; last filed accounts filed 92 days late; 1 of the last 3 accounts lateFounded in 2024lowers riskLiquidity: current ratio 2.36, cash €46,676Show the evidence

Checked score

Score 2024
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 56% of micro companies in retail trade (NACE 47)
Financial strength
Strong
Solvency 53
equity 28.0% of total assets
Liquidity 83
short-term debt 35.9% · cash 39.8%
Profitability 50
return on assets 2.4%
Bankruptcy probability within 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 05-2025: 1.8% 06-2025: 1.8%● unchanged vs 05-2025 07-2025: 1.9%▲ +0.1 percentage points vs 06-2025 08-2025: 2.2%▲ +0.3 percentage points vs 07-2025 09-2025: 2.3%▲ +0.1 percentage points vs 08-2025 10-2025: 2.6%▲ +0.3 percentage points vs 09-2025 11-2025: 1.4%▼ -1.2 percentage points vs 10-2025lowest value 12-2025: 1.5%▲ +0.1 percentage points vs 11-2025 01-2026: 1.5%● unchanged vs 12-2025 02-2026: 1.5%● unchanged vs 01-2026 03-2026: 1.4%▼ -0.1 percentage points vs 02-2026 04-2026: 1.6%▲ +0.2 percentage points vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.6%● unchanged vs 05-2026 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 2.5%▲ +0.9 percentage points vs 07-2026 09-2026: 2.9%▲ +0.4 percentage points vs 08-2026 10-2026: 4.2%▲ +1.3 percentage points vs 09-2026highest value 11-2026: 4.2%● unchanged vs 10-2026highest value
Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 2.36, above the usual 1.5. Short-term debt is 35.9% and cash 39.8% of total assets. However, 72% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 47, micro). It does better than 43% of them on solvency, 87% on liquidity and 36% on profitability.

The bankruptcy probability was computed on 04-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2024.

Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.

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

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 31-10-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 92 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 2.36, cash €46,676
NBB · annual accounts
raises risk · 2024 accounts filed 92 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: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 1 filing
Deviation from the deadline
2024
92 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its 2024 accounts 92 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Recent changes

  1. · Gazette deed IncorporationFounding capital of €30,000, 100 shares · Founders: KERCKHOFS Jan and HEYVAERT Kato · Appointments: KERCKHOFS Jan (director) and HEYVAERT Kato (director)
All 2 events

Comparable companies

These companies have the same main activity as Chareltje: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €87,300 and €154,000, founded in 2024.

CompanyTotal assetsGross margin
Chareltje Kontich€117,386€12,160
André Store Deinze€95,289€11,840
New Toi Brasschaat€103,667€8,704
Caramel Fashion 2.0 Geel€88,970€10,887
CLOUD NINE Heist-op-den-Berg€87,264€9,891
LEEN STRAUVEN Halen€154,271€18,016
DAISEIKO Brussels€110,301€21,235
Full comparison

Key facts about Chareltje

What is the company number of Chareltje?
The company number of Chareltje is 1008.685.875. The VAT number is the same number with BE in front: BE 1008.685.875.
Where is Chareltje based?
The registered office is at Scheihagenstraat 50, 2550 Kontich.Company details
What does Chareltje do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of Chareltje?
Chareltje is a private limited company (BV).
When was Chareltje founded?
Chareltje was founded on 23-04-2024.
Is Chareltje still active?
Yes, Chareltje is an active enterprise in the KBO register.
How many employees does Chareltje have?
Chareltje had an average of 0.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
Which joint committee does Chareltje fall under?
In its 2024 annual accounts, Chareltje states joint committee 201 (Independent retail).
What is the turnover of Chareltje?
The turnover in financial year 2024 is ≈ €140,000. This figure is estimated from the gross margin of €12,160 and 40 comparable companies (NACE 47716). It probably lies between €48,000 and €280,000. It is a rough estimate.
Is Chareltje profitable?
In financial year 2024, Chareltje made a profit of €2,835.
Where can I find the annual accounts of Chareltje?
Chareltje filed 1 annual account with the National Bank of Belgium, for financial year 2024.

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