CHAREX
ActiveCHAREX has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.69M and a net result of €-68k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 94% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 30.32 against 6.6 in 2024; short-term debt: 0.5% and cash: 2% of total assets), and 5.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
94.1%
Return on assets
-3.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
6 d early
2023
29 d late
2022
91 d late
2021
4 d early
2019
on the day
2018
21 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.69M▼ 3.9%
2024 · €1.76M
2018: €1.76M
2019: €1.81M
2021: €1.78M
2022: €1.91M
2023: €1.98M
2024: €1.76M
2018 → 2025
Total assets
€1.79M▼ 9.6%
2024 · €1.99M
2018: €2.25M
2019: €2.27M
2021: €2.08M
2022: €3.03M
2023: €3.15M
2024: €1.99M
2018 → 2025
Net result
€-68k
2024 · €181k
2018: €225k
2019: €58k
2021: €19k
2022: €121k
2023: €132k
2024: €181k
2018 → 2025
Working capital
€254k▼ 63.9%
2024 · €703k
2018: €636k
2019: €1.01M
2021: €717k
2022: €883k
2023: €766k
2024: €703k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.78M-€1.91M▲ 6.8%€1.98M▲ 4.0%€1.76M▼ 11.4%€1.69M▼ 3.9%
Operating result€-36k-€211k€149k▼ 29.7%€-108k€-77k▲ 28.7%
Net result€19k-€121k▲ 536%€132k▲ 8.6%€181k▲ 37.2%€-68k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €77k in 2025 against €108k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.53M▲ 32.4%
Current assets
€263k▼ 68.3%
Equity and liabilities €1.79M
Equity
€1.69M▼ 3.9%
Provisions
€97k▼ 5.9%
Debt
€9k▼ 93.1%
The debt ratio falls from 6.3% to 0.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €-60k
Cash flow
€16k▼
2024 · €228k
Solvency
94.1%▲
2024 · 88.5%
Current ratio
30.32▲
2024 · 6.60
Quick ratio
30.32▲
2024 · 6.60
Debt / equity
0.01▼
2024 · 0.07
ROE
-4.1%▼
2024 · 10.3%
ROA
-3.8%▼
2024 · 9.1%
Interest coverage
2.04▲
2024 · -4.09
Debt
€9k▼
2024 · €126k
Debt ≤ 1 year
€9k▼
2024 · €126k
Income taxes
€-4k▼
2024 · €65k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.99M€1.79M▼
Fixed assets21/28€1.16M€1.53M▲
Tangible fixed assets22/27€1.15M€1.52M▲
Land and buildings22€1.13M€1.51M▲
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24€21k€12k▼
Financial fixed assets28€7k€7k=
Current assets29/58€829k€263k▼
Amounts receivable within one year40/41€573k€223k▼
Trade receivables40€533k€190k▼
Other amounts receivable41€40k€33k▼
Cash at bank and in hand54/58€248k€36k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.99M€1.79M▼
Equity10/15€1.76M€1.69M▼
Contributions10/11€400k€400k=
Capital10€400k€400k=
Issued capital100€400k€400k=
Reserves13€1.09M€1.07M▼
Non-distributable reserves130/1€74k€74k=
Legal reserve130€74k€74k=
Tax-exempt reserves132€311k€292k▼
Distributable reserves133€707k€707k=
Profit (loss) carried forward14€264k€214k▼
Provisions and deferred taxes16€104k€97k▼
Deferred taxes168€104k€97k▼
Amounts payable17/49€126k€9k▼
Amounts payable within one year42/48€126k€9k▼
Trade debts44€854€9k▲
Suppliers440/4€854€9k▲
Taxes, remuneration and social security45€125k-
Taxes450/3€125k-
Other amounts payable47/48€26€26=
Income statement
Code20242025
Non-recurring operating income76A€428€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€84k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€-56k€12k▲
Operating profit (loss)9901€-108k€-77k▲
Financial income75/76B€296k€2k▼
Recurring financial income75€296k€2k▼
Financial charges65/66B€15k€4k▼
Recurring financial charges65€15k€4k▼
Profit (loss) for the period before taxes9903€173k€-79k▼
Transfer from deferred taxes780€73k€6k▼
Income taxes67/77€65k€-4k▼
Profit (loss) for the period9904€181k€-68k▼
Transfer from tax-exempt reserves789€218k€18k▼
Profit (loss) for the period to be appropriated9905€399k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€414k€214k▼
Profit (loss) brought forward from the previous period14P€16k€264k▲
Transfer from equity791/2€406k-
Transfer to equity691/2€150k-
To other reserves6921€150k-
Profit to be distributed694/7€406k-
Return on contributions (dividend)694€406k-
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-68k ▼138%
Net result drops to €-68k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 30.32
Current ratio from 6.60 to 30.32; short-term debt falls from €126k to €9k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 6.60
Current ratio from 1.77 to 6.60; short-term debt falls from €997k to €126k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 9current ratio 64.07
Current ratio from 7.15 to 64.07; short-term debt falls from €164k to €11k.
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Jodoigne · 1 establishment unit since 1989
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.
Rue de la Dîme(Jauch.) 211370 JodoigneGround area
4,655 m²
Building footprint
153 m²
Volume, LiDAR
1,446 m³
Parcel 25047B0027/00K000, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Dîme(Jauch.) 21, 1370 Jodoigne
since 19892.042.861.768
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25047B0027/00K000 | Wallonia | 4,655 m² | 1 · 153 m² | 11.9 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400NU26V2OD0D1E97
Similar companies · same sector, comparable size
3080 Invest
BE 0448.725.661
Tervuren · Eq €1.69M
VAN DER PLAETSEN IMMO
BE 0690.553.193
Waasmunster · Eq €1.69M
IBERTRADE
BE 0448.501.175
Antwerpen · Eq €1.69M
C.D.M.
BE 0447.469.512
Nazareth-De Pinte · Eq €1.69M
PM Immo
BE 0787.988.804
Kluisbergen · Eq €1.69M
Of 9,139 companies in sector 68201 we hold annual accounts for 6,767. 4,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-09-1988
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.