CHARIMMO

Active

Public limited companyfounded 198640 yrs activePleisterplaatsstraat 46, 1170 Watermaal-Bosvoorde, BelgiumKBO/BCE: BE 0429.360.996

CHARIMMO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €296k. Equity is shrinking by ~5.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

73 / 100

Healthy▼ -27 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency69▼-28

Growth49▲+2

Stability100

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €30k at 30 days acceptable

Liquidity short (current ratio 0.79 against 1.85 in 2024), and 47.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

52.2%

Return on assets

14.9%

Age of the figures

8 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

59 d early

2024

51 d early

2023

50 d early

2022

48 d early

2021

47 d early

2020

37 d early

2019

39 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€310k▲ 14.3%

2024 · €272k

2018: €310k 2019: €299k 2020: €270k 2021: €251k 2022: €332k 2023: €353k 2024: €272k

2018 → 2025

EBIT margin

62.3%▼ 5.3pp

2024 · 67.6%

2018: 74.3% 2019: 64.8% 2020: 65.9% 2021: 65.6% 2022: 68.8% 2023: 72.3% 2024: 67.6%

2018 → 2025

Net result

€296k▼ 13.9%

2024 · €343k

2018: €205k 2019: €298k 2020: €155k 2021: €369k 2022: €322k 2023: €315k 2024: €343k

2018 → 2025

Working capital

€-197k

2024 · €338k

2018: €347k 2019: €674k 2020: €-7k 2021: €54k 2022: €109k 2023: €248k 2024: €338k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€251k-€332k▲ 32.4%€353k▲ 6.3%€272k▼ 23.1%€310k▲ 14.3%

Equity€1.41M-€1.43M▲ 1.3%€1.54M▲ 7.7%€1.59M▲ 3.0%€1.04M▼ 34.7%

Operating result€165k-€229k▲ 38.9%€255k▲ 11.6%€184k▼ 28.0%€193k▲ 5.3%

Net result€369k-€322k▼ 12.5%€315k▼ 2.2%€343k▲ 8.9%€296k▼ 13.9%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 5% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.99M

62.1%

37.9%

Fixed assets €1.23M▼ 2.3%

Current assets €752k▲ 2.2%

Equity and liabilities €1.99M

52.2%

47.8%

Equity €1.04M▼ 34.7%

Debt €949k▲ 131%

The debt ratio rises from 20.6% to 47.8%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€222k▲

2024 · €217k

Cash flow

€325k▼

2024 · €377k

Solvency

52.2%▼

2024 · 79.4%

Current ratio

0.79▼

2024 · 1.85

Quick ratio

0.79▼

2024 · 1.85

Debt / equity

0.92▲

2024 · 0.26

ROE

28.5%▲

2024 · 21.6%

ROA

14.9%▼

2024 · 17.2%

Interest coverage

55.93▲

2024 · 54.05

Debt

€949k▲

2024 · €412k

Debt ≤ 1 year

€948k▲

2024 · €397k

Income taxes

€79k▼

2024 · €81k

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€2.00M€1.99M▼

Fixed assets21/28€1.26M€1.23M▼

Tangible fixed assets22/27€859k€830k▼

Land and buildings22€848k€821k▼

Plant, machinery and equipment23€11k€9k▼

Furniture and vehicles24€0€0=

Financial fixed assets28€403k€403k=

Current assets29/58€735k€752k▲

Amounts receivable within one year40/41€173k€165k▼

Trade receivables40€10k€21k▲

Other amounts receivable41€163k€145k▼

Cash at bank and in hand54/58€556k€586k▲

Deferred charges and accrued income490/1€6k€95▼

Equity and liabilities

Total equity and liabilities10/49€2.00M€1.99M▼

Equity10/15€1.59M€1.04M▼

Contributions10/11€74k€74k=

Capital10€74k€74k=

Issued capital100€74k€74k=

Reserves13€1.51M€962k▼

Non-distributable reserves130/1€7k€7k=

Legal reserve130€7k€7k=

Distributable reserves133€1.50M€954k▼

Amounts payable17/49€412k€949k▲

Amounts payable within one year42/48€397k€948k▲

Trade debts44€9k€13k▲

Suppliers440/4€9k€13k▲

Taxes, remuneration and social security45€514€0▼

Taxes450/3€514€0▼

Remuneration and social security454/9€0€0=

Other amounts payable47/48€388k€936k▲

Accrued charges and deferred income492/3€15k€1k▼

Income statement Code20242025

Turnover70€272k€310k▲

Goods, raw materials, services and sundry goods60/61€87k€69k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€29k▼

Other operating charges640/8€47k€27k▼

Gross operating margin9900€263k€249k▼

Operating profit (loss)9901€184k€193k▲

Financial income75/76B€245k€185k▼

Recurring financial income75€245k€185k▼

Financial charges65/66B€4k€4k▼

Recurring financial charges65€4k€4k▼

Profit (loss) for the period before taxes9903€425k€374k▼

Income taxes67/77€81k€79k▼

Profit (loss) for the period9904€343k€296k▼

Profit (loss) for the period to be appropriated9905€343k€296k▼

Appropriation of the result

Profit (loss) to be appropriated9906€343k€296k▼

Transfer from equity791/2€298k€846k▲

Transfer to equity691/2€343k€296k▼

To other reserves6921€343k€296k▼

Profit to be distributed694/7€298k€846k▲

Return on contributions (dividend)694€298k€846k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-06

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

10-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

11-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

13-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

14-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Highest result since 2018net €369k ▲138%

Net result €369k, the highest in the series.

24-06

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

31-12

Financial Weakest financial yearnet €155k ▼48.1%

Net result drops to €155k, the lowest in the series; recovery starts the following year.

22-06

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

31-12

Financial Equity above €2MEq €2.09M ▲16.6%

2 profitable years in a row build equity to €2.09M.

11-06

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

13-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

20-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 directors, no change since 2025

CHARHON Sandra

Director · since 04-04-2019

Current

Marie-Thérèse SCHMITZ

Director · since 04-04-2019

Not recently confirmed

25-11-2025 CHARHON Sandra: Appointed as Director

04-04-2019 CHARHON Sandra: Appointed as Managing director

04-04-2019 Marie-Thérèse SCHMITZ: Appointed as Director

Location & real-estate footprint

Registered office, Watermaal-Bosvoorde

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.

Pleisterplaatsstraat 461170 Watermaal-Bosvoorde

Ground area

217 m²

Building footprint

88 m²

Volume, LiDAR

847 m³

Parcel 21017D0003/00W014, Brussels · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21017D0003/00W014	Brussels	217 m²	1 · 88 m²	12.5 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.

Structure & network

Connections & network

4 connected companies

Shared address / shareholder

Network connections

CHARCO

Shared address

→

DECHAR

Shared address

→

IMMO J.B.P.

Shared address

→

IMMO-AVROY

Shared address

→

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded18-07-1986

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers

Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.