CHARLIER ASSISTANCE
ActiveSummary
The computed 12-month bankruptcy probability of CHARLIER ASSISTANCE is 4.6% (elevated). The 2025 annual accounts show negative equity (€-12k) and a net result of €-56k. Equity is shrinking by ~78.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 960 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-42
Solvency23▼-10
Growth32=
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.3 in 2024; short-term debt: 52.8% and cash: 5.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
-1.7%
Return on assets
-8.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
12 d late
2024
26 d late
2023
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-12k
2024 · €44k
2023: €58k
2024: €44k
2023 → 2025
Total assets
€677k▲ 23.0%
2024 · €551k
2023: €265k
2024: €551k
2023 → 2025
Net result
€-56k▼ 308%
2024 · €-14k
2023: €55k
2024: €-14k
2023 → 2025
Working capital
€-252k▼ 6.4%
2024 · €-237k
2023: €-5k
2024: €-237k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€58k-€44k▼ 23.6%€-12k
Operating result€74k-€-7k€-25k▼ 268%
Net result€55k-€-14k€-56k▼ 308%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €7k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €677k
Fixed assets
€572k ▲ 27.6%
Current assets
€105k ▲ 2.5%
Key figures and ratios
EBITDA
€58k▲
2024 · €53k
Cash flow
€27k▼
2024 · €47k
Solvency
-1.7%▼
2024 · 8.0%
Current ratio
0.29▼
2024 · 0.30
Quick ratio
0.25▼
2024 · 0.27
Debt to equity
-59.54▼
2024 · 11.46
ROA
-8.2%▼
2024 · -2.5%
Interest coverage
1.88▼
2024 · 7.77
Debt
€689k▲
2024 · €507k
Debt ≤ 1 year
€358k▲
2024 · €340k
Debt > 1 year
€331k▲
2024 · €166k
Staff costs
€170k▲
2024 · €145k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€551k€677k▲
Fixed assets21/28€448k€572k▲
Tangible fixed assets22/27€443k€567k▲
Land and buildings22€194k€375k▲
Plant, machinery and equipment23-€16k
Furniture and vehicles24€249k€176k▼
Financial fixed assets28€5k€5k▲
Current assets29/58€103k€105k▲
Stocks and contracts in progress3€10k€14k▲
Stocks30/36€10k€14k▲
Amounts receivable within one year40/41€70k€57k▼
Trade receivables40€60k€43k▼
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€23k€34k▲
Equity and liabilities
Total equity and liabilities10/49€551k€677k▲
Equity10/15€44k€-12k▼
Contributions10/11-€3k
Reserves13€3k-
Distributable reserves133€3k-
Profit (loss) carried forward14€41k€-15k▼
Amounts payable17/49€507k€689k▲
Amounts payable after more than one year17€166k€331k▲
Financial debts170/4€166k€331k▲
Amounts payable within one year42/48€340k€358k▲
Current portion of amounts payable after more than one year42€27k€82k▲
Trade debts44€16k€34k▲
Suppliers440/4€16k€34k▲
Taxes, remuneration and social security45€33k€44k▲
Taxes450/3€13k€15k▲
Remuneration and social security454/9€20k€30k▲
Other amounts payable47/48€263k€198k▼
Income statement
Code20242025
Remuneration, social security and pensions62€145k€170k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€83k▲
Other operating charges640/8€15k€8k▼
Gross operating margin9900€213k€236k▲
Operating profit (loss)9901€-7k€-25k▼
Financial income75/76B€44€26▼
Recurring financial income75€44€26▼
Financial charges65/66B€7k€31k▲
Recurring financial charges65€7k€31k▲
Profit (loss) for the period before taxes9903€-14k€-56k▼
Income taxes67/77€133-
Profit (loss) for the period9904€-14k€-56k▼
Profit (loss) for the period to be appropriated9905€-14k€-56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€-15k▼
Profit (loss) brought forward from the previous period14P€55k€41k▼
The notes to these accounts (11 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Huy · 2 establishment units since 2022
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.
Place Jules Boland 44500 HuyGround area
4,441 m²
Building footprint
510 m²
Volume, LiDAR
2,838 m³
3 parcels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CHARLIER ASSISTANCE
since 20222.339.896.158
CHARLIER ASSISTANCE
since 20252.381.710.878
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061A0286/00T002 | Wallonia | 3,684 m² | 1 · 415 m² | 9.4 m · 1 fl. |
| 61007A0047/00Z000 | Wallonia | 496 m² | 1 · 95 m² | 9.9 m · 3 fl. |
| 61068A0414/00M000 | Wallonia | 261 m² | - | - |
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.
Similar companies · same sector, comparable size
Artawil
BE 0648.739.958
Kontich · Eq €44,278
DEPANNAGE EN AUTOSERVICE ROGIERS
BE 0819.361.473
Oostkamp · Eq €43,836
TRANS-ALL
BE 0833.448.843
Beveren-Kruibeke-Zwijndrecht · Eq €44,585
JAFRA
BE 0417.840.762
Sint-Pieters-Leeuw · Eq €44,851
DLS Invest & Development
BE 0693.677.682
Vilvoorde · Eq €43,523
Of 1,725 companies in sector 52210 we hold annual accounts for 771. 524 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
52210Service activities incidental to land transportation
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:depannage.charlier@gmail.com
Phone:+32496129329