CharlauRAD
ActiveCharlauRAD has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €404k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
1.7%
Return on assets
99%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 16511 sector peers (2025).
NBB · sector comparisonPosition among 16511 sector peers
Solvency
better than 6%
← weakest
strongest →
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
202122232425
2020 to 2025 · latest year €7k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
58 d early
2024
22 d early
2023
7 d early
2022
12 d early
2021
13 d early
2020
9 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 130%
2024 · €3k
2020: €310k
2021: €686k
2022: €1.06M
2023: €120
2024: €3k
2020 → 2025
Total assets
€408k▼ 10.7%
2024 · €457k
2020: €443k
2021: €806k
2022: €1.07M
2023: €576k
2024: €457k
2020 → 2025
Net result
€404k▼ 7.8%
2024 · €438k
2020: €311k
2021: €378k
2022: €379k
2023: €404k
2024: €438k
2020 → 2025
Working capital
€-46k▼ 77.5%
2024 · €-26k
2020: €306k
2021: €631k
2022: €1.02M
2023: €-40k
2024: €-26k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€686k-€1.06M▲ 55.0%€120▼ 100.0%€3k▲ 2,385%€7k▲ 130%
Operating result€506k-€497k▼ 1.8%€527k▲ 5.9%€582k▲ 10.4%€537k▼ 7.7%
Net result€378k-€379k▲ 0.2%€404k▲ 6.6%€438k▲ 8.4%€404k▼ 7.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408k
Fixed assets
€52k▲ 83.0%
Current assets
€356k▼ 17.0%
Equity and liabilities €408k
Equity
€7k▲ 130%
Debt
€401k▼ 11.6%
The debt ratio falls from 99.3% to 98.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€562k▼
2024 · €596k
Cash flow
€430k▼
2024 · €452k
Solvency
1.7%▲
2024 · 0.7%
Current ratio
0.89▼
2024 · 0.94
Quick ratio
0.89▼
2024 · 0.94
Debt / equity
58.40
ROA
99.0%▲
2024 · 95.8%
Interest coverage
899.05▲
2024 · 839.95
Debt
€401k▼
2024 · €454k
Debt ≤ 1 year
€401k▼
2024 · €454k
Income taxes
€133k▼
2024 · €143k
A ratio outside any meaningful range has been withheld (balance sheet total €408k, equity €7k).
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€457k€408k▼
Fixed assets21/28€29k€52k▲
Tangible fixed assets22/27€28k€52k▲
Plant, machinery and equipment23€11k€22k▲
Furniture and vehicles24€17k€31k▲
Financial fixed assets28€245€245=
Current assets29/58€428k€356k▼
Amounts receivable within one year40/41€55k€23k▼
Other amounts receivable41€55k€23k▼
Cash at bank and in hand54/58€71k€80k▲
Deferred charges and accrued income490/1€301k€253k▼
Equity and liabilities
Total equity and liabilities10/49€457k€408k▼
Equity10/15€3k€7k▲
Contributions10/11€120€120=
Profit (loss) carried forward14€3k€7k▲
Amounts payable17/49€454k€401k▼
Amounts payable within one year42/48€454k€401k▼
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€3k▼
Other amounts payable47/48€435k€387k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€26k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€601k€568k▼
Operating profit (loss)9901€582k€537k▼
Financial income75/76B€196€535▲
Recurring financial income75€196€535▲
Financial charges65/66B€709€625▼
Recurring financial charges65€709€625▼
Profit (loss) for the period before taxes9903€581k€536k▼
Income taxes67/77€143k€133k▼
Profit (loss) for the period9904€438k€404k▼
Profit (loss) for the period to be appropriated9905€438k€404k▼
Appropriation of the result
Profit (loss) to be appropriated9906€438k€407k▼
Profit (loss) brought forward from the previous period14P€0€3k▲
Profit to be distributed694/7€435k€400k▼
Return on contributions (dividend)694€435k€400k▼
The notes to these accounts (8 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €438k ▲8.4%
Operating result €582k, net result €438k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 17current ratio 109.01
Current ratio from 6.46 to 109.01; short-term debt falls from €116k to €9k.
31-12
Financial
Equity above €1MEq €1.06M ▲55%
3 profitable years in a row build equity to €1.06M.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €686k ▲122%
2 profitable years in a row build equity to €686k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Roeselare · 1 establishment unit since 2020
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.
Kaasterstraat 98800 RoeselareGround area
1,958 m²
Building footprint
325 m²
Parcel 36302B1035/00D003, Flanders. Linked by address, not a title deed.
1 establishment unit
CharlauRAD
since 20202.299.001.255
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B1035/00D003 | Flanders | 1,958 m² | 1 · 325 m² | - |
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.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 1,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2020
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.