CHARKOOL
ActiveSummary
CHARKOOL has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89,822 and a net result of €11,093. Equity is growing by about 8% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
- Equity
- €89,822
- Profit
- €11,093
Why 85raises riskLiquidity: current ratio 18.17, cash €395Profit of €11,093 (financial year 2025)lowers riskFounded in 2001Size: total assets €95,049Show the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 81% on solvency, 41% on liquidity, 44% on profitability and 72% on growth.
The bankruptcy probability was computed on 27-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 13 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet €11,093 ▼32.7%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 49% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,368 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €348 | €405 | €0 | €436 | €66 | ▼ 84.9% |
| Gross operating margin9900 | €15,468 | €18,837 | €25,448 | €32,015 | €26,403 | €14,971 | €19,040 | €9,508 | ▼ 50.1% |
| Operating profit (loss)9901 | €15,067 | €18,435 | €25,448 | €31,668 | €25,998 | €14,971 | €18,604 | €9,443 | ▼ 49.2% |
| Financial income75/76B | - | - | - | €2,305 | €2,857 | €2,507 | €2,575 | €4,933 | ▲ 91.6% |
| Recurring financial income75 | - | - | €3,130 | €2,305 | €2,857 | €2,507 | €2,575 | €4,933 | ▲ 91.6% |
| Financial charges65/66B | - | - | - | €183 | €136 | €161 | €438 | €242 | ▼ 44.8% |
| Recurring financial charges65 | €149 | €151 | €168 | €183 | €136 | €161 | €438 | €242 | ▼ 44.8% |
| Profit (loss) for the period before taxes9903 | €14,919 | €18,284 | €28,410 | €33,790 | €28,719 | €17,317 | €20,742 | €14,134 | ▼ 31.9% |
| Income taxes67/77 | €3,495 | €4,297 | €7,124 | €9,018 | €7,655 | €3,705 | €4,259 | €3,042 | ▼ 28.6% |
| Profit (loss) for the period9904 | €11,423 | €13,987 | €21,286 | €24,772 | €21,063 | €13,612 | €16,483 | €11,093 | ▼ 32.7% |
| Profit (loss) for the period to be appropriated9905 | €11,423 | €13,987 | €21,286 | €24,772 | €21,063 | €13,612 | €16,483 | €11,093 | ▼ 32.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €46,909 | €60,290 | €86,015 | €115,213 | €112,834 | €90,250 | €85,382 | €95,049 | ▲ 11.3% |
| Fixed assets21/28 | €90 | €90 | €90 | €90 | €90 | €90 | €90 | €90 | = |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €90 | €90 | €90 | €90 | = |
| Current assets29/58 | €46,819 | €60,200 | €85,925 | €115,123 | €112,744 | €90,160 | €85,292 | €94,959 | ▲ 11.3% |
| Amounts receivable within one year40/41 | €46,640 | €60,116 | €85,408 | €113,778 | €109,402 | €88,094 | €84,922 | €94,564 | ▲ 11.4% |
| Trade receivables40 | - | - | - | €678 | - | - | - | - | - |
| Other amounts receivable41 | - | - | - | €113,100 | €109,402 | €88,094 | €84,922 | €94,564 | ▲ 11.4% |
| Cash at bank and in hand54/58 | €180 | €84 | €517 | €1,346 | €3,342 | €2,066 | €370 | €395 | ▲ 6.6% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €46,909 | €60,290 | €86,015 | €115,213 | €112,834 | €90,250 | €85,382 | €95,049 | ▲ 11.3% |
| Equity10/15 | €39,006 | €52,992 | €74,278 | €99,050 | €95,114 | €78,726 | €78,729 | €89,822 | ▲ 14.1% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €18,546 | €32,532 | €53,818 | €78,590 | €74,654 | €58,266 | €58,269 | €69,362 | ▲ 19.0% |
| Provisions and deferred taxes16 | €3,000 | €3,000 | - | - | - | - | - | - | - |
| Amounts payable17/49 | €4,903 | €4,297 | €11,736 | €16,163 | €17,720 | €11,524 | €6,653 | €5,227 | ▼ 21.4% |
| Amounts payable within one year42/48 | €4,903 | €4,297 | €11,736 | €16,163 | €17,720 | €11,524 | €6,653 | €5,227 | ▼ 21.4% |
| Trade debts44 | - | - | €315 | €21 | €1,047 | €164 | €1,709 | €401 | ▼ 76.6% |
| Suppliers440/4 | - | - | - | €21 | €1,047 | €164 | €1,709 | €401 | ▼ 76.6% |
| Taxes, remuneration and social security45 | - | - | - | €16,141 | €16,673 | €11,361 | €4,944 | €4,826 | ▼ 2.4% |
| Taxes450/3 | - | - | - | €16,141 | €16,673 | €11,361 | €4,944 | €4,826 | ▼ 2.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,423 | €13,987 | €21,286 | €24,772 | €21,063 | €13,612 | €16,483 | €11,093 | ▼ 32.7% |
| Operating cash flow (approximation) | €11,423 | €13,987 | €21,286 | €24,772 | €21,063 | €13,612 | €16,483 | €11,093 | ▼ 32.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€96 | €433 | €829 | €1,996 | -€1,276 | -€1,695 | €25 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 25 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 03-06-2026 | 2026-00141080 |
| 31-12-2024 | micro format | 29-07-2025 | 2025-00358376 |
| 31-12-2023 | micro format | 14-05-2024 | 2024-00090542 |
| 31-12-2022 | micro format | 18-09-2023 | 2023-00449031 |
| 31-12-2021 | micro format | 12-07-2022 | 2022-20181901 |
| 31-12-2020 | micro format | 18-08-2021 | 2021-50100019 |
| 31-12-2019 | micro format | 30-07-2020 | 2020-37800494 |
| 31-12-2018 | micro format | 23-05-2019 | 2019-14200185 |
| 31-12-2017 | micro format | 22-05-2018 | 2018-13400389 |
| 31-12-2016 | micro format | 18-07-2017 | 2017-32800339 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Capital and shareholders
- 12-12-2023 Converted to available equity
Group and network
Connections & network
No directors read yet: 1 of 4 Gazette acts processed.
History
Acts, filings and financial milestones
12-12
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointmentsRegistered office clause · Capital conversion · Capital7 facts ▸
- General meeting, 08-12-2023
- Amendment of the articles (3 times)
- Registered office clause, “1190 Forest,avenue Albert,168” (deed in French)
- Capital conversion, “fonds disponibles pour distribution” (deed in French)
- Capital
- Other provision, “...on omet..., décisions 5 et 6 omises” (deed in French)
- Director in office, Paul VANHAM (director)
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21383B0072/00R002 | Brussels | 458 m² | 1 · 199 m² | 18.0 m · 4 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Le courtage et l'intermédiaire pour tous types d'assurances; Le conseil en matière d'assurances,et dans toutes matières financières,fiscales…” (deed in French)
14 activities (deed in French)
- Le courtage et l'intermédiaire pour tous types d'assurances.
- Le conseil en matière d'assurances,et dans toutes matières financières,fiscales et économiques.
- La négociation de tous prêts,ouvertures de crédit,prêts à tempérament,prêts personnels et autres formes de financement.
- Le courtage et l'entremise pour tous produits bancaires et financiers.
- La réalisation d'investissements mobiliers et la gestion de portefeuilles qui en résulterait;la souscription,le placement,l'achat,la vente et la négociation de tous titres,actions et autres valeurs mobilières,belges ou étrangères.
- L'exercice de toutes activités connexes aux activités bancaires;
- Toutes opérations ou entreprises-telles que travaux,recherches,études,prestations de services et conseils,achats,ventes,locations et autres,cette énumération n'étant nullement limitative,relatives à l'équipement en informatique,et en programmes informatisés,à la sélection de matériel informatique,l'élaboration de logiciels,systèmes et softwares,à toutes études et formations de tiers préalables aux dites opérations et entreprises,tous développements de programmes informatisés et de logiciels ainsi que toutes opérations et entreprises relatives à l'équipement électronique,électro-domestique,en matériel de bureau,tous services,consultations et conseils se rapportant à la création et au fonctionnement de toutes formes d'entreprises ainsi que le financement de toutes les opérations en rapport avec ce qui précède.
- La contribution à la constitution de sociétés par voie d'apports,de participation ou d'investissements généralement quelconques;
- De dispenser des avis financiers,techniques,commerciaux ou administratifs dans le sens le plus large du terme,assister et exécuter des services directement ou indirectement sur le plan de l'administration et des finances,de la vente,de la production et de la gestion en général;
- D'exécuter tous mandats d'administrateurs ou gérants,et en général,tous mandats et fonctions se rapportant directement ou indirectement à son objet;
- La gestion d'un patrimoine immobilier,en propriété ou en usufruit,et,dans ce cadre,la mise en location de biens immeubles ainsi que toutes opérations qui,directement et indirectement sont en relation avec son objet et qui sont de nature à favoriser l'accroissement du patrimoine immobilier de la société,tels que l'entretien,le développement,l'embellissement et la location de ces biens.
- Elle pourra accomplir toutes opérations civiles,commerciales ou industrielles,mobilières ou immobilières,se rapportant directement ou indirectement,en tout ou partie,à l'une ou l'autre branche de son objet ou qui seraient de nature à en développer ou à en faciliter la réalisation.
- Elle pourra s'intéresser par toutes voies à toute société ou entreprise ayant un objet similaire ou connexe au sien ou dont l'objet serait de nature à faciliter,même indirectement,la réalisation du sien.
- Elle pourra de même conclure toutes conventions de collaboration,de rationalisation,d'association ou autres avec de telles sociétés ou entreprises.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CHARKOOL
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, sans changement en matière de régime linguistique applicable” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs, personnes physiques ou morales,actionnaires ou non” (deed in French)“Fixe ou proportionnelle, frais généraux plus frais représentation voyages déplacements” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs au prorata si plusieurs, toute cession ou transmission d'actions ou autres titres donnant droit à actions à…” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Courrier électronique,ou courrier ordinaire pour personnes sans adresse électronique,envoyé même jour, organe qui procède à l'émission” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 2 May at 11:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Prévues pour modifications aux statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque cause et à quelque moment, peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments” (deed in French)