CHARISMA
ActiveSummary
CHARISMA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60,237 and a net result of €17,985. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 59% of 403 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+5
Solvency73▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity short (current ratio 0.3 against 0.29 in 2024; short-term debt: 32.4% and cash: 4.8% of total assets), and 52.5% of the assets are financed with debt.
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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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Civil engineering (NACE 42)
about 27% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
47.5%
Return on assets
14.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
19 d late
2023
6 d late
2022
32 d late
2021
16 d late
2020
22 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 40% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€60,237▼ 0.8%
2024 · €60,700
Total assets
€126,755▼ 17.3%
2024 · €153,185
Net result
€17,985▲ 20.7%
2024 · €14,898
Working capital
-€28,596▲ 17.8%
2024 · -€34,793
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€23,237▲ 25.0%-€16,527€23,149€28,042▲ 21.1%€31,086▲ 10.9%
Net result€11,884▲ 36.0%-€21,367€16,097€14,898▼ 7.5%€17,985▲ 20.7%
Equity€78,999▲ 17.7%€57,632▼ 27.0%€70,652▲ 22.6%€60,700▼ 14.1%€60,237▼ 0.8%
Total assets€262,325▲ 4.3%€200,071▼ 23.7%€174,403▼ 12.8%€153,185▼ 12.2%€126,755▼ 17.3%
Debt€183,326▼ 0.6%€142,439▼ 22.3%€103,751▼ 27.2%€92,485▼ 10.9%€66,517▼ 28.1%
Working capital-€22,473▲ 8.7%-€29,622▼ 31.8%-€24,770▲ 16.4%-€34,793▼ 40.5%-€28,596▲ 17.8%
Staff (FTE)2=0.8▼ 60.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126,755
Fixed assets
€114,333 ▼ 17.7%
Current assets
€12,421 ▼ 12.5%
Equity and liabilities €126,755
Equity
€60,237 ▼ 0.8%
Debt
€66,517 ▼ 28.1%
Debt's share of the balance-sheet total falls from 60.4% to 52.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€47,677▼
2024 · €51,703
Cash flow
€34,576▼
2024 · €38,559
Current ratio
0.30▲
2024 · 0.29
Debt to equity
1.10▼
2024 · 1.52
ROE
29.9%▲
2024 · 24.5%
ROA
14.2%▲
2024 · 9.7%
Interest coverage
12.82▲
2024 · 9.38
Debt ≤ 1 year
€41,017▼
2024 · €48,985
Debt > 1 year
€25,500▼
2024 · €43,500
Income taxes
€9,382▲
2024 · €7,630
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,627 | - | €14,265 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €88,271 | €118,969 | €46,456 | €60,721 | €54,375 | ▼ 10.5% |
| Remuneration, social security and pensions62 | €52,495 | €25,891 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,597 | €34,697 | €25,268 | €23,661 | €16,591 | ▼ 29.9% |
| Other operating charges640/8 | €5,482 | €5,473 | €2,546 | €2,627 | €2,790 | ▲ 6.2% |
| Non-recurring operating charges66A | - | €8,864 | - | - | €4,239 | - |
| Gross operating margin9900 | €115,811 | €58,398 | €50,964 | €54,330 | €54,706 | ▲ 0.7% |
| Operating profit (loss)9901 | €23,237 | -€16,527 | €23,149 | €28,042 | €31,086 | ▲ 10.9% |
| Financial income75/76B | €46 | €1,170 | €7,660 | - | - | - |
| Recurring financial income75 | €46 | €0 | €7,660 | - | - | - |
| Non-recurring financial income76B | - | €1,170 | - | - | - | - |
| Financial charges65/66B | €5,287 | €6,009 | €7,533 | €5,514 | €3,719 | ▼ 32.6% |
| Recurring financial charges65 | €5,287 | €6,009 | €7,533 | €5,514 | €3,719 | ▼ 32.6% |
| Profit (loss) for the period before taxes9903 | €17,996 | -€21,367 | €23,276 | €22,528 | €27,367 | ▲ 21.5% |
| Income taxes67/77 | €6,112 | - | €7,180 | €7,630 | €9,382 | ▲ 23.0% |
| Profit (loss) for the period9904 | €11,884 | -€21,367 | €16,097 | €14,898 | €17,985 | ▲ 20.7% |
| Profit (loss) for the period to be appropriated9905 | €11,884 | -€21,367 | €16,097 | €14,898 | €17,985 | ▲ 20.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €262,325 | €200,071 | €174,403 | €153,185 | €126,755 | ▼ 17.3% |
| Fixed assets21/28 | €226,057 | €183,812 | €160,361 | €138,993 | €114,333 | ▼ 17.7% |
| Tangible fixed assets22/27 | €226,057 | €183,812 | €160,361 | €138,993 | €114,333 | ▼ 17.7% |
| Land and buildings22 | €167,063 | €151,875 | €136,688 | €121,500 | €106,313 | ▼ 12.5% |
| Plant, machinery and equipment23 | €9,686 | €2,578 | €520 | €1,292 | €4,191 | ▲ 225% |
| Furniture and vehicles24 | €44,935 | €29,360 | €23,154 | €16,202 | €3,829 | ▼ 76.4% |
| Leasing and similar rights25 | €4,373 | - | - | - | - | - |
| Current assets29/58 | €36,268 | €16,259 | €14,043 | €14,192 | €12,421 | ▼ 12.5% |
| Amounts receivable within one year40/41 | €33,119 | €15,199 | €214 | €13,102 | €6,376 | ▼ 51.3% |
| Trade receivables40 | - | - | - | €8,075 | €6,175 | ▼ 23.5% |
| Other amounts receivable41 | €33,119 | €15,199 | €214 | €5,027 | €201 | ▼ 96.0% |
| Cash at bank and in hand54/58 | - | €102 | €12,831 | €348 | €6,045 | ▲ 1,639% |
| Deferred charges and accrued income490/1 | €3,149 | €958 | €998 | €742 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €262,325 | €200,071 | €174,403 | €153,185 | €126,755 | ▼ 17.3% |
| Equity10/15 | €78,999 | €57,632 | €70,652 | €60,700 | €60,237 | ▼ 0.8% |
| Contributions10/11 | €18,800 | €18,800 | €18,800 | €18,800 | €18,800 | = |
| Outside capital11 | €18,800 | €18,800 | €18,800 | €18,800 | €18,800 | = |
| Other1109/19 | €18,800 | €18,800 | €18,800 | €18,800 | €18,800 | = |
| Reserves13 | €60,138 | €60,138 | €57,061 | €47,109 | €41,377 | ▼ 12.2% |
| Non-distributable reserves130/1 | €1,880 | €1,880 | €1,880 | €1,880 | €1,880 | = |
| Reserves not available under the articles1311 | €1,880 | €1,880 | €1,880 | €1,880 | €1,880 | = |
| Distributable reserves133 | €58,258 | €58,258 | €55,181 | €45,229 | €39,497 | ▼ 12.7% |
| Profit (loss) carried forward14 | €60 | -€21,306 | -€5,209 | -€5,209 | €60 | ▲ 101% |
| Amounts payable17/49 | €183,326 | €142,439 | €103,751 | €92,485 | €66,517 | ▼ 28.1% |
| Amounts payable after more than one year17 | €124,585 | €96,558 | €64,938 | €43,500 | €25,500 | ▼ 41.4% |
| Financial debts170/4 | €124,585 | €96,558 | €64,938 | €43,500 | €25,500 | ▼ 41.4% |
| Amounts payable within one year42/48 | €58,741 | €45,880 | €38,813 | €48,985 | €41,017 | ▼ 16.3% |
| Current portion of amounts payable after more than one year42 | €37,660 | €30,691 | €28,198 | €21,438 | €18,000 | ▼ 16.0% |
| Financial debts43 | €4,765 | €4,000 | - | - | - | - |
| Credit institutions430/8 | €4,765 | €4,000 | - | - | - | - |
| Trade debts44 | €15,643 | €11,190 | €2,915 | €3,887 | €4,174 | ▲ 7.4% |
| Suppliers440/4 | €15,643 | €11,190 | €2,915 | €3,887 | €4,174 | ▲ 7.4% |
| Taxes, remuneration and social security45 | €674 | - | €1,542 | €5,261 | €7,935 | ▲ 50.8% |
| Taxes450/3 | €674 | - | €1,542 | €5,261 | €7,935 | ▲ 50.8% |
| Other amounts payable47/48 | - | - | €6,158 | €18,400 | €10,909 | ▼ 40.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,884 | -€21,367 | €16,097 | €14,898 | €17,985 | ▲ 20.7% |
| + Depreciation and write-downs630 | €34,597 | €34,697 | €25,268 | €23,661 | €16,591 | ▼ 29.9% |
| Operating cash flow (approximation) | €46,481 | €13,330 | €41,365 | €38,559 | €34,576 | ▼ 10.3% |
| Investment in fixed assets (approximation) | - | €7,547 | -€1,817 | -€2,294 | €8,069 | ▲ 452% |
| Change in cash | - | - | €12,729 | -€12,483 | €5,698 | ▲ 146% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Back to profitnet €16,097
Net result €16,097 after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet -€21,367
Net result drops to -€21,367, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Rijkevorsel · 1 establishment unit since 2003
Ground area
1,469 m²
Building footprint
110 m²
Volume, LiDAR
454 m³
Parcel 13502E0610/00W004, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Charisma
since 20032.132.932.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502E0610/00W004 | Flanders | 1,469 m² | 1 · 110 m² | 8.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,325 companies in sector 42110 we hold annual accounts for 1,096. 681 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
42110Construction of roads and motorways
Scores and ratios are computed by Checked and are not a credit decision.