CHARLESTON
ActiveCHARLESTON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €127k and a net result of €31k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 2410 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
52 d early
2023
50 d early
2022
20 d early
2021
23 d late
2020
23 d late
2019
25 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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 32.8%
2024 · €96k
2019: €37k
2020: €36k
2021: €57k
2022: €62k
2023: €77k
2024: €96k
2019 → 2025
Net result
€31k▲ 64.2%
2024 · €19k
2019: €5k
2020: €-650
2021: €21k
2022: €5k
2023: €14k
2024: €19k
2019 → 2025
Total assets
€317k▲ 14.1%
2024 · €277k
2019: €98k
2020: €87k
2021: €92k
2022: €98k
2023: €100k
2024: €277k
2019 → 2025
Solvency
40.2%▲ 5.7pp
2024 · 34.5%
2019: 37.8%
2020: 42.0%
2021: 62.4%
2022: 63.7%
2023: 76.7%
2024: 34.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€62k▲ 8.7%€77k▲ 22.8%€96k▲ 25.0%€127k▲ 32.8%
Operating result€27k-€10k▼ 64.0%€23k▲ 130%€30k▲ 33.8%€47k▲ 56.4%
Net result€21k-€5k▼ 76.2%€14k▲ 185%€19k▲ 34.6%€31k▲ 64.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 56% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€219k▲ 24.5%
Current assets
€97k▼ 3.9%
Equity and liabilities €317k
Equity
€127k▲ 32.8%
Debt
€189k▲ 4.3%
The debt ratio falls from 65.5% to 59.8%: equity grows faster than debt.
Key figures and ratios
Solvency
40.2%▲
2024 · 34.5%
ROE
24.7%▲
2024 · 20.0%
ROA
9.9%▲
2024 · 6.9%
Debt
€189k▲
2024 · €182k
Debt ≤ 1 year
€55k▲
2024 · €53k
Debt > 1 year
€135k▲
2024 · €128k
Income taxes
€10k▲
2024 · €6k
Staff costs
€41k▲
2024 · €35k
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€277k€317k▲
Fixed assets21/28€176k€219k▲
Tangible fixed assets22/27€148k€183k▲
Land and buildings22€144k€181k▲
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€28k€37k▲
Current assets29/58€101k€97k▼
Amounts receivable within one year40/41€77k€76k▼
Trade receivables40€1k€1k=
Other amounts receivable41€75k€75k▼
Cash at bank and in hand54/58€18k€15k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€277k€317k▲
Equity10/15€96k€127k▲
Contributions10/11€12k€12k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€74k€105k▲
Amounts payable17/49€182k€189k▲
Amounts payable after more than one year17€128k€135k▲
Financial debts170/4€128k€135k▲
Amounts payable within one year42/48€53k€55k▲
Current portion of amounts payable after more than one year42€10k€16k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€445€3k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€29k€27k▼
Income statement
Code20242025
Remuneration, social security and pensions62€35k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€11k▼
Other operating charges640/8€447€4k▲
Gross operating margin9900€96k€104k▲
Operating profit (loss)9901€30k€47k▲
Financial income75/76B€414€539▲
Recurring financial income75€414€539▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€25k€42k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€19k€31k▲
Profit (loss) for the period to be appropriated9905€19k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€105k▲
Profit (loss) brought forward from the previous period14P€54k€74k▲
The notes to these accounts (10 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €31k ▲64.2%
Operating result €47k, net result €31k, both a record.
30-06
Financial
Equity above €100kEq €127k ▲32.8%
5 profitable years in a row build equity to €127k.
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-06
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
30-06
Financial
Weakest financial yearnet €-650 ▼114%
Net result drops to €-650, the lowest in the series; recovery starts the following year.
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
01-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Braine-l'Alleud · 2 establishment units since 2012
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.
Drève du Bois de Mai 51428 Braine-l'AlleudGround area
1.9 ha
Building footprint
1,639 m²
Volume, LiDAR
30,745 m³
3 parcels, Brussels, Wallonia · tallest building 29.3 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
Charleston
since 20122.215.495.539
Charleston
since 20182.275.006.623
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0404/00A006 | Brussels | 1.2 ha | 1 · 1,209 m² | 29.3 m · 8 fl. |
| 25054D0122/00N004 | Wallonia | 6,111 m² | 1 · 279 m² | - |
| 25764N0833/00A007 | Wallonia | 870 m² | 1 · 152 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 2,771 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2012
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.