CHARLAU
ActiveCHARLAU has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €21k. Equity remains stable across the filed fiscal years (±0% per year). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-1
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 8.08 in 2024; short-term debt: 25.9% and cash: 77.6% of total assets), and 26% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
74%
Return on assets
10.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €143k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
15 d early
2023
9 d early
2022
9 d late
2021
16 d early
2020
5 d early
2019
7 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€143k▲ 17.0%
2024 · €122k
2018: €122k
2019: €135k
2020: €147k
2021: €148k
2022: €122k
2023: €119k
2024: €122k
2018 → 2025
Total assets
€193k▲ 38.8%
2024 · €139k
2018: €126k
2019: €137k
2020: €167k
2021: €169k
2022: €136k
2023: €133k
2024: €139k
2018 → 2025
Net result
€21k▲ 34.4%
2024 · €16k
2018: €15k
2019: €14k
2020: €34k
2021: €22k
2022: €9k
2023: €8k
2024: €16k
2018 → 2025
Working capital
€141k▲ 17.6%
2024 · €120k
2018: €120k
2019: €133k
2020: €146k
2021: €142k
2022: €122k
2023: €115k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€122k▼ 17.5%€119k▼ 3.0%€122k▲ 2.9%€143k▲ 17.0%
Operating result€31k-€14k▼ 55.4%€12k▼ 13.2%€21k▲ 73.4%€29k▲ 37.7%
Net result€22k-€9k▼ 57.6%€8k▼ 17.6%€16k▲ 104%€21k▲ 34.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€3k▼ 6.9%
Current assets
€191k▲ 39.8%
Equity and liabilities €193k
Equity
€143k▲ 17.0%
Debt
€50k▲ 196%
The debt ratio rises from 12.2% to 26.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €22k
Cash flow
€22k▲
2024 · €17k
Solvency
74.0%▼
2024 · 87.8%
Current ratio
3.81▼
2024 · 8.08
Quick ratio
3.81▼
2024 · 8.08
Debt / equity
0.35▲
2024 · 0.14
ROE
14.6%▲
2024 · 12.7%
ROA
10.8%▼
2024 · 11.1%
Interest coverage
123.78▲
2024 · 52.20
Debt
€50k▲
2024 · €17k
Debt ≤ 1 year
€50k▲
2024 · €17k
Income taxes
€8k▲
2024 · €5k
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€139k€193k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€3k€3k▼
Current assets29/58€137k€191k▲
Amounts receivable within one year40/41€0€41k▲
Trade receivables40-€40k
Other amounts receivable41€0€32▲
Cash at bank and in hand54/58€136k€150k▲
Deferred charges and accrued income490/1€554€252▼
Equity and liabilities
Total equity and liabilities10/49€139k€193k▲
Equity10/15€122k€143k▲
Contributions10/11€19k€19k=
Reserves13€104k€124k▲
Distributable reserves133€104k€124k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€17k€50k▲
Amounts payable within one year42/48€17k€50k▲
Trade debts44€509€32k▲
Suppliers440/4€509€32k▲
Taxes, remuneration and social security45€4k€4k=
Taxes450/3€2k€2k=
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€12k€14k▲
Accrued charges and deferred income492/3€84€84=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€916▼
Other operating charges640/8€860€860=
Gross operating margin9900€23k€31k▲
Operating profit (loss)9901€21k€29k▲
Financial income75/76B€149€133▼
Recurring financial income75€149€133▼
Financial charges65/66B€423€241▼
Recurring financial charges65€423€241▼
Profit (loss) for the period before taxes9903€21k€29k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€16k€21k▲
Profit (loss) for the period to be appropriated9905€16k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€21k▲
Transfer from equity791/2€12k€0▼
Transfer to equity691/2€16k€21k▲
To other reserves6921€16k€21k▲
Profit to be distributed694/7€12k€0▼
Return on contributions (dividend)694€12k€0▼
The notes to these accounts (7 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €8k ▼17.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €34k ▲150%
Operating result €49k, net result €34k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 60.44
Current ratio from 26.72 to 60.44; short-term debt falls from €5k to €2k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
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.
Directors · office · real estate
Directors
1 act for this company is 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, Westerlo · 1 establishment unit since 2003
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.
Hofstraat 332260 WesterloGround area
1,420 m²
Building footprint
156 m²
Volume, LiDAR
823 m³
Parcel 13028A0118/00C004, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Charlau
since 20032.184.507.997
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028A0118/00C004 | Flanders | 1,420 m² | 1 · 156 m² | 8.7 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2004
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.