CHARLEO CONSULTING
ActiveCHARLEO CONSULTING has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €-4k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-87
Solvency88=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 2.65 in 2024; short-term debt: 35% and cash: 89.9% of total assets), and 37.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.9%
Return on assets
-4.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
6 d late
2023
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 6.4%
2024 · €68k
2023: €33k
2024: €68k
2023 → 2025
Total assets
€102k▼ 5.8%
2024 · €108k
2023: €52k
2024: €108k
2023 → 2025
Net result
€-4k
2024 · €35k
2023: €28k
2024: €35k
2023 → 2025
Working capital
€58k▼ 11.0%
2024 · €65k
2023: €33k
2024: €65k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€68k▲ 107%€64k▼ 6.4%
Operating result€35k-€46k▲ 29.9%€-1k
Net result€28k-€35k▲ 25.4%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €46k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€9k▲ 105%
Current assets
€93k▼ 10.2%
Equity and liabilities €102k
Equity
€64k▼ 6.4%
Debt
€38k▼ 4.7%
The debt ratio rises from 36.7% to 37.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-613▼
2024 · €46k
Cash flow
€-4k▼
2024 · €35k
Solvency
62.9%▼
2024 · 63.3%
Current ratio
2.61▼
2024 · 2.65
Quick ratio
2.61▼
2024 · 2.65
Debt / equity
0.59▲
2024 · 0.58
ROE
-6.8%▼
2024 · 51.6%
ROA
-4.3%▼
2024 · 32.7%
Interest coverage
-0.21▼
2024 · 78.71
Debt
€38k▼
2024 · €40k
Debt ≤ 1 year
€36k▼
2024 · €39k
Income taxes
€173▼
2024 · €10k
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€108k€102k▼
Fixed assets21/28€4k€9k▲
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Financial fixed assets28€4k€4k=
Current assets29/58€104k€93k▼
Amounts receivable within one year40/41€24k€728▼
Trade receivables40€24k€477▼
Other amounts receivable41€0€251▲
Cash at bank and in hand54/58€78k€91k▲
Deferred charges and accrued income490/1€2k€979▼
Equity and liabilities
Total equity and liabilities10/49€108k€102k▼
Equity10/15€68k€64k▼
Contributions10/11€5k€5k=
Reserves13€63k€59k▼
Distributable reserves133€63k€59k▼
Amounts payable17/49€40k€38k▼
Amounts payable within one year42/48€39k€36k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€3k▼
Other amounts payable47/48€18k€28k▲
Accrued charges and deferred income492/3€369€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€677▲
Other operating charges640/8€517€405▼
Gross operating margin9900€46k€-208▼
Operating profit (loss)9901€46k€-1k▼
Financial income75/76B€6€3▼
Recurring financial income75€6€3▼
Financial charges65/66B€582€3k▲
Recurring financial charges65€582€3k▲
Profit (loss) for the period before taxes9903€45k€-4k▼
Income taxes67/77€10k€173▼
Profit (loss) for the period9904€35k€-4k▼
Profit (loss) for the period to be appropriated9905€35k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-4k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€35k€0▼
To other reserves6921€35k€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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-4k ▼112%
Net result drops to €-4k, the lowest in the series.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
30-06
Financial
Highest result since 2023net €35k ▲25.4%
Operating result €46k, net result €35k, both a record.
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 2023
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.
Moorseelsesteenweg 179 C8800 RoeselareGround area
6,062 m²
Building footprint
170 m²
Volume, LiDAR
493 m³
2 parcels, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CHARLEO CONSULTING
since 20232.346.283.708
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017C2031/00B000 | Flanders | 5,401 m² | 1 · 58 m² | - |
| 36006A0408/00K002 | Flanders | 660 m² | 1 · 112 m² | 9.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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OnCommonGround
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Mechelen · Eq €64k
Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,081 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-04-2023
Fiscal year end30-06
Activities, NACEBEL
78100Employment placement agencies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.