CHARLES IMMO
ActiveCHARLES IMMO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €36k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+36
Solvency34▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.04 in 2023; short-term debt: 90.9% and cash: 0% of total assets), and 90.9% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
9.1%
Return on assets
1.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €36k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
99 d late
2022
122 d late
2021
92 d late
2020
122 d late
2019
193 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€36k▲ 17.8%
2023 · €31k
2018: €9k
2019: €62k
2020: €64k
2021: €42k
2022: €26k
2023: €31k
2018 → 2024
Total assets
€397k▲ 5.4%
2023 · €377k
2018: €91k
2019: €116k
2020: €88k
2021: €48k
2022: €415k
2023: €377k
2018 → 2024
Net result
€5k▲ 21.1%
2023 · €4k
2018: €-13k
2019: €53k
2020: €2k
2021: €-23k
2022: €-16k
2023: €4k
2018 → 2024
Working capital
€22k▲ 68.6%
2023 · €13k
2018: €631
2019: €50k
2020: €52k
2021: €30k
2022: €256k
2023: €13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€64k-€42k▼ 35.1%€26k▼ 37.4%€31k▲ 17.2%€36k▲ 17.8%
Operating result€3k-€-22k€-11k▲ 50.7%€15k€9k▼ 38.8%
Net result€2k-€-23k€-16k▲ 30.7%€4k€5k▲ 21.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 39% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €397k
Fixed assets
€14k▼ 18.7%
Current assets
€383k▲ 6.6%
Equity and liabilities €397k
Equity
€36k▲ 17.8%
Debt
€361k▲ 4.4%
The debt ratio falls from 91.9% to 90.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▼
2023 · €17k
Cash flow
€9k▲
2023 · €7k
Solvency
9.1%▲
2023 · 8.1%
Current ratio
1.06▲
2023 · 1.04
Quick ratio
0.78▲
2023 · 0.75
Debt / equity
10.03▼
2023 · 11.32
ROE
15.1%▲
2023 · 14.7%
ROA
1.4%▲
2023 · 1.2%
Interest coverage
209.74▲
2023 · 1.69
Debt
€361k▲
2023 · €346k
Debt ≤ 1 year
€361k▲
2023 · €346k
Income taxes
€3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€377k€397k▲
Fixed assets21/28€18k€14k▼
Tangible fixed assets22/27€18k€14k▼
Land and buildings22€12k€12k=
Furniture and vehicles24€6k€2k▼
Current assets29/58€359k€383k▲
Stocks and contracts in progress3€100k€100k=
Stocks30/36€100k€100k=
Amounts receivable within one year40/41€144k€283k▲
Trade receivables40€32k€167k▲
Other amounts receivable41€112k€116k▲
Current investments50/53€9€0▼
Cash at bank and in hand54/58€115k€0▼
Equity and liabilities
Total equity and liabilities10/49€377k€397k▲
Equity10/15€31k€36k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€24k€30k▲
Amounts payable17/49€346k€361k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€346k€361k▲
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€79k€71k▼
Taxes450/3€79k€71k▼
Other amounts payable47/48€267k€289k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€384€622▲
Gross operating margin9900€18k€13k▼
Operating profit (loss)9901€15k€9k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€10k€59▼
Recurring financial charges65€10k€59▼
Profit (loss) for the period before taxes9903€4k€9k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€30k▲
Profit (loss) brought forward from the previous period14P€20k€24k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 99 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Weakest financial yearnet €-23k ▼1036%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 193 days late
2019
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
30-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 152 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 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, Bernissart · 1 establishment unit since 2010
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.
Chemin à Haies(BLA) 267321 BernissartGround area
785 m²
Parcel 57009A0493/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Charles immo
since 20102.190.620.680
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57009A0493/00N000 | Wallonia | 784 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.
Similar companies · same sector, comparable size
TOVA
BE 0778.278.015
Brecht · Eq €36k
BOUWONDERNEMING VAN BIESEN STEVEN
BE 0480.156.433
Lebbeke · Eq €36k
OVI.Invest SRL
BE 0788.619.601
Waterloo · Eq €36k
DANIEL & GABI CONCEPT
BE 0761.851.955
Sint-Genesius-Rode · Eq €36k
SMART BATIMENT
BE 0791.600.370
Dilbeek · Eq €36k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.