CHARLIER DENTAL
ActiveSummary
CHARLIER DENTAL has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €-5k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 22% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▲+9
Solvency57▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.44 in 2023; short-term debt: 30.6% and cash: 39.1% of total assets), and 68% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
32%
Return on assets
-2.1%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-5k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 19908 sector peers (2024).
NBB · sector comparisonPosition among 19908 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
21 d early
2022
29 d late
2021
30 d late
2020
26 d late
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€75k▼ 6.2%
2023 · €80k
2018: €31k
2019: €37k
2020: €37k
2021: €74k
2022: €108k
2023: €80k
2018 → 2024
Total assets
€234k▼ 16.8%
2023 · €281k
2018: €310k
2019: €336k
2020: €305k
2021: €322k
2022: €342k
2023: €281k
2018 → 2024
Net result
€-5k▲ 72.5%
2023 · €-18k
2018: €12k
2019: €6k
2020: €545
2021: €37k
2022: €34k
2023: €-18k
2018 → 2024
Working capital
€31k▼ 25.1%
2023 · €42k
2018: €-23k
2019: €-4k
2020: €22k
2021: €62k
2022: €82k
2023: €42k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€37k-€74k▲ 98.8%€108k▲ 45.1%€80k▼ 26.1%€75k▼ 6.2%
Operating result€7k-€53k▲ 695%€48k▼ 8.9%€37k▼ 22.4%€39k▲ 4.0%
Net result€545-€37k▲ 6,687%€34k▼ 9.4%€-18k€-5k▲ 72.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 4% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €234k
Fixed assets
€131k ▼ 9.1%
Current assets
€103k ▼ 24.9%
Equity and liabilities €234k
Equity
€75k ▼ 6.2%
Debt
€159k ▼ 21.0%
Debt's share of the balance-sheet total falls from 71.6% to 68.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€75k▲
2023 · €72k
Cash flow
€31k▲
2023 · €17k
Current ratio
1.44▼
2023 · 1.44
Debt to equity
2.12▼
2023 · 2.52
ROE
-6.6%▲
2023 · -22.6%
ROA
-2.1%▲
2023 · -6.4%
Interest coverage
1.73▲
2023 · 1.32
Debt ≤ 1 year
€71k▼
2023 · €95k
Debt > 1 year
€83k▼
2023 · €106k
Income taxes
€287▼
2023 · €295
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€281k€234k▼
Fixed assets21/28€144k€131k▼
Intangible fixed assets21€88k€63k▼
Tangible fixed assets22/27€57k€68k▲
Plant, machinery and equipment23€32k€26k▼
Furniture and vehicles24€5k€6k▲
Other tangible fixed assets26€20k€37k▲
Financial fixed assets28€125€125=
Current assets29/58€137k€103k▼
Amounts receivable within one year40/41€13k€9k▼
Other amounts receivable41€13k€9k▼
Cash at bank and in hand54/58€122k€91k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€281k€234k▼
Equity10/15€80k€75k▼
Contributions10/11€19k€19k=
Reserves13€61k€56k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€59k€54k▼
Profit (loss) carried forward14€475€12▼
Amounts payable17/49€201k€159k▼
Amounts payable after more than one year17€106k€83k▼
Financial debts170/4€106k€83k▼
Amounts payable within one year42/48€95k€71k▼
Current portion of amounts payable after more than one year42€35k€40k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Taxes, remuneration and social security45-€3k
Remuneration and social security454/9-€3k
Other amounts payable47/48€46k€27k▼
Accrued charges and deferred income492/3€27€4k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€73k€76k▲
Operating profit (loss)9901€37k€39k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€55k€43k▼
Recurring financial charges65€55k€43k▼
Non-recurring financial charges66B-€177
Profit (loss) for the period before taxes9903€-18k€-5k▲
Income taxes67/77€295€287▼
Profit (loss) for the period9904€-18k€-5k▲
Profit (loss) for the period to be appropriated9905€-18k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-4k▲
Profit (loss) brought forward from the previous period14P€5€475▲
Transfer from equity791/2€29k€5k▼
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
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
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-18k ▼154%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €100kEq €108k ▲45.1%
5 profitable years in a row build equity to €108k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €37k ▲6687%
Operating result €53k, net result €37k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jemeppe-sur-Sambre · 1 establishment unit since 2017
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.
Rue Fonds-des-Cuves 265190 Jemeppe-sur-SambreGround area
995 m²
Building footprint
194 m²
Volume, LiDAR
1,396 m³
Parcel 92068E0498/00T000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHARLIER DENTAL
since 20172.266.481.115
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068E0498/00T000 | Wallonia | 995 m² | 1 · 194 m² | 9.7 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
2549008YCJI1LQUY6S76
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,832 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
Founded11-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:frederic.charlier141@outlook.be
Phone:071/785031