Turnover
≈ €90,000 estimated
The micro format states no turnover.
CharLex
Overview
Lifetime
1 annual account with figurespeak €32,196 (2025)
€32,196
peak €25,486 (2025)
€25,486
peak €27,486 (2025)
€27,486
€9,803
Board1 name since 2025
1 directorHERTECANT Charlotte Valérie Jana
Documentsfilings and deeds
18-06-202643 days before the deadline
2025micro format
Incorporation 16-061 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000 100 shares
Checked score
97
Excellent
Financially stronger than 79% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: < 0.1%lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 3.62, cash €32,607
Figures for financial year 2025 (filed on 18-06-2026)
Equity €27,486 (73.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 72% of them on solvency, 82% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as CharLex has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CharLex itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for CharLex. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.62, above the usual 1.5. Short-term debt is 26.3% and cash 87.4% of total assets. 26.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 18-06-2026, 43 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
43 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- HERTECANT Charlotte Valérie Jana 50 sharesdeed of 16-06-2025
- DOGET Arno 50 sharesdeed of 16-06-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1024264669
Incorporation
Founding capital of €2,000, 100 shares · Founders: HERTECANT Charlotte Valérie Jana and DOGET Arno · Appointment: HERTECANT Charlotte Valérie Jana (director) · published on 16-06-2025 · Gazette deed
First establishment
CharLex BV, Stoofstraat 11A, Merchtem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CharLex Merchtem | €37,289 | €32,196 | 73.7% | - |
| JURIDATA Gouvy | €39,394 | €30,712 | 60.4% | - |
| VINCENZO GRIMALDI CONSULTING Ixelles | €39,797 | €31,055 | 65.0% | - |
| NOMIKON Aalter | €35,319 | €29,499 | 68.9% | - |
| MV NOT Nivelles | €36,181 | €27,516 | 61.6% | - |
| OGME Koekelberg | €38,507 | €27,186 | 59.1% | - |
| PRAGMALEX Hasselt | €40,856 | €35,479 | 61.6% | - |
These companies have the same main activity as CharLex: other legal services (NACE 69109). They are comparable in size and age: total assets between €35,300 and €40,900, founded in 2025.
Official details
Source: KBO- Status
- Active since 12-06-2025Normal situation
- Activity
- Other legal servicesNACE 69109
- Establishment unit
- 2.375.201.7821785 Merchtem, since 12-06-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 14-10-2025
Annual accounts 2025
- €32,196
- €25,486
- €27,486
- €37,289
- Filing
- Filed on 18-06-2026, 43 days before the end of the filing period
Insights on CharLex
CharLex has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,486 and a net result of €25,486.
Its solvency ranks better than 70% of 15,834 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 18-06-2026, 43 days before the deadline€32,196
€32,004
€25,486
€25,674
73.7%
3.62
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €90,000. Estimated: probably between €57,000 and €110,000.
Balance sheet
balance sheet total €37,289 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
73.7%
Higher than 70% of 15,834 companies in 2025.
3.62
Higher than 68% of 15,606 companies in 2025.
68.3%
Higher than 93% of 15,723 companies in 2025.
CharLex
Middle half of the sector
80% of the sector
Micro accounts in legal and accounting (NACE 69)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
37,289 | |
21/28 |
1,812 | |
22/27 |
1,812 | |
23 |
1,812 | |
29/58 |
35,477 | |
40/41 |
2,870 | |
41 |
2,870 | |
54/58 |
32,607 | |
| Balance sheet: equity and liabilities | ||
10/49 |
37,289 | |
10/15 |
27,486 | |
10/11 |
2,000 | |
13 |
25,486 | |
133 |
25,486 | |
17/49 |
9,803 | |
42/48 |
9,803 | |
45 |
9,803 | |
450/3 |
9,803 | |
| Income statement | ||
9900 |
32,196 | |
630 |
193 | |
9901 |
32,004 | |
75/76B |
0 | |
75 |
0 | |
65/66B |
71 | |
65 |
71 | |
9903 |
31,933 | |
67/77 |
6,446 | |
9904 |
25,486 | |
9905 |
25,486 | |
| Appropriation of the result | ||
9906 |
25,486 | |
691/2 |
25,486 | |
6921 |
25,486 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 18-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-06-2026 | 2026-00172173 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 32,196 | ||
| 25,679 | ||
| 2,005 | ||
| 25,674 | ||
| 73.7% | ||
| 3.62 | ||
| 0.36 | ||
| 92.7% | ||
| 68.3% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €2,005 |
| €193 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on CharLex
Debt's share of the balance-sheet total is 26.3%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 12-06-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 18-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “De algemene vergadering die de bestuurder(s) benoemt bepaalt hun aantal, de duur van hun opdracht en, indien er meerdere bestuurders zijn…”deed of 16-06-2025
Mandates through the years
1 name, the dashed line is todayHERTECANT Charlotte Valérie Jana
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- HERTECANT Charlotte Valérie Jana
- Director (not named in the articles), from 12-06-2025 to date
Control
Founders
HERTECANT Charlotte Valérie Jana, DOGET Arno
This company
CharLex
Equity €27,486
Profit €25,486 in 2025
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €275 in 2025
- Source
- deed of 16-06-2025
Articles of association
deed of 16-06-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering bepaalt aantal,duur opdracht en bij meerdere bevoegdheid, benoemd met of zonder beperking van duur,indien benoemd in…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Fourth Friday of May at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 16-06-2025 ↗
- HERTECANT Charlotte Valérie Jana 50 shares (50%) · €1,000
- DOGET Arno 50 shares (50%) · €1,000
Network & group
No group
CharLex has no parent and no holdings in its annual accounts. HERTECANT Charlotte Valérie Jana is the only director. CharLex shares no director with another company.
At the same address
Stoofstraat 11A, 1785 Merchtem · 4 other companies| ARNOTEL INVEST
registered office since 25-04-2000 · founded in 2000 |
total assets €182,541 (2025) 0471.756.827 |
| A & K PARTNERS
registered office since 15-06-2007 · founded in 2007 |
total assets €3,939 (2025) 0890.120.104 |
| De Brabanter, Fleur (sole trader)
establishment since 04-09-2024 |
founded in 2024 1013.185.586 |
| El Allaoui, Ouassim (sole trader)
establishment since 01-04-2024 |
founded in 2024 1006.913.052 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 43 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1024264669
IncorporationFounding capital of €2,000, 100 shares · Founders: HERTECANT Charlotte Valérie Jana and DOGET Arno · Appointment: HERTECANT Charlotte Valérie Jana (director) · published on 16-06-20257 points ▸
- Founder, HERTECANT Charlotte Valérie Jana
- Founder, DOGET Arno
- Founding capital, €2,000, 100 shares
- 100 shares
- Registered office clause, Stoofstraat 11 A003, 1785 Merchtem
- Board rule, 1
- Director appointment, HERTECANT Charlotte Valérie Jana (director (not named in the articles))
- The deed holds 1 more point.
First establishment CharLex BV, Stoofstraat 11A, Merchtem
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1024.264.669
- VAT number
- BE 1024.264.669
- Peppol ID
- 0208:1024264669
- Other Peppol ID
- 9925:BE1024264669
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-06-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Fourth Friday of May at 18:00deed of 16-06-2025 (in Dutch)
- Peppol
- Reachable since 14-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CharLex in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-06-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 16-06-2025 (in Dutch)
Activities
NACEBEL 202569109
Other legal services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het uitoefenen van alle activiteiten welke inherent verbonden zijn aan de titel van (notarieel) jurist,onder eerbiediging van de wettelijke…”deed of 16-06-2025 (in Dutch)
5 activities
- Het uitoefenen van alle activiteiten welke inherent verbonden zijn aan de titel van (notarieel) jurist,onder eerbiediging van de wettelijke en deontologische bepalingen,waaronder in het algemeen het verlenen van diensten en van juridisch en administratief advies,voornamelijk – doch niet uitsluitend – in het kader van het notarieel recht,vastgoedrecht,vermogensrecht,vennootschapsrecht en alle aanverwante rechtstakken.
- De vennootschap kan daarbij optreden als consultant of dienstverlener voor notarissen,ondernemingen,particulieren of andere professionele spelers.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten,zoals het verwerven,bezitten,beheren,(ver)huren,vervreemden,bouwen,verbouwen,renoveren,valoriseren en ontwikkelen van onroerende goederen,evenals alle welkdanige onroerende transacties en verrichtingen in de meest brede zin; zowel in binnen- als buitenland,met het oog op eigen gebruik,verhuur of wederverkoop.
- In het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken van onroerende goederen of onroerende zakelijke rechten;
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan en verkoop,de huur en verhuur,de ruil; in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| CharLex BV registered office Stoofstraat 11A, 1785 Merchtem | 12-06-2025 | 2.375.201.782 |
Buildings and parcels at the address
- Ground area
- 834 m²
- Buildings
- 689 m²
- Volume, LiDAR
- 10,129 m³
- Tallest building
- 20.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23602H0146/00P003 | 834 m² | 1 · 689 m² | 20.0 m · 5 |