CHARLOTT'B
ActiveSummary
The computed 12-month bankruptcy probability of CHARLOTT'B is 2.7% (moderate). The 2025 annual accounts show equity of €78k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 4178 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-17
Solvency53▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.52 in 2024; short-term debt: 71.9% and cash: 77.8% of total assets), and 71.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.1%
Return on assets
7.5%
Age of the figures
15 mo
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 13-01-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
18 d early
2023
21 d early
2022
8 d early
2021
13 d early
2020
19 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21k▼ 75.6%
2024 · €85k
2020: €96k
2021: €58k▼ -39.0% vs 2020
2022: €145k▲ +148% vs 2021highest in 6 years
2023: €105k▼ -27.6% vs 2022
2024: €85k▼ -18.5% vs 2023
2025: €21k▼ -75.6% vs 2024lowest in 6 years
2020 → 2025
Working capital
€78k▼ 62.4%
2024 · €207k
2020: €114k
2021: €173k▲ +51.1% vs 2020
2022: €317k▲ +83.8% vs 2021
2023: €422k▲ +33.0% vs 2022highest in 6 years
2024: €207k▼ -50.9% vs 2023
2025: €78k▼ -62.4% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€317k▲ 83.8%€422k▲ 33.0%€207k▼ 50.9%€78k▼ 62.4%
2021: €173k
2022: €317k▲ +83.8% vs 2021
2023: €422k▲ +33.0% vs 2022highest in 5 years
2024: €207k▼ -50.9% vs 2023
2025: €78k▼ -62.4% vs 2024lowest in 5 years
Operating result€81k-€187k▲ 131%€145k▼ 22.7%€118k▼ 18.5%€30k▼ 74.4%
2021: €81k
2022: €187k▲ +131% vs 2021highest in 5 years
2023: €145k▼ -22.7% vs 2022
2024: €118k▼ -18.5% vs 2023
2025: €30k▼ -74.4% vs 2024lowest in 5 years
Net result€58k-€145k▲ 148%€105k▼ 27.6%€85k▼ 18.5%€21k▼ 75.6%
2021: €58k
2022: €145k▲ +148% vs 2021highest in 5 years
2023: €105k▼ -27.6% vs 2022
2024: €85k▼ -18.5% vs 2023
2025: €21k▼ -75.6% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €277k
Equity
€78k ▼ 62.4%
Debt
€200k ▼ 50.2%
Debt's share of the balance-sheet total rises from 65.9% to 71.9%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.39▼
2024 · 1.52
Debt to equity
2.56▲
2024 · 1.94
ROE
26.7%▼
2024 · 41.2%
ROA
7.5%▼
2024 · 14.0%
Debt ≤ 1 year
€200k▼
2024 · €401k
Income taxes
€9k▼
2024 · €32k
Staff costs
€74k▲
2024 · €73k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€608k€277k▼
Current assets29/58€608k€277k▼
Amounts receivable within one year40/41€167k€62k▼
Trade receivables40€930€1k▲
Other amounts receivable41€166k€60k▼
Cash at bank and in hand54/58€441k€216k▼
Equity and liabilities
Total equity and liabilities10/49€608k€277k▼
Equity10/15€207k€78k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€187k€57k▼
Amounts payable17/49€401k€200k▼
Amounts payable within one year42/48€401k€200k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€93k€43k▼
Taxes450/3€81k€34k▼
Remuneration and social security454/9€12k€10k▼
Other amounts payable47/48€300k€150k▼
Income statement
Code20242025
Non-recurring operating income76A€152€794▲
Remuneration, social security and pensions62€73k€74k▲
Other operating charges640/8€53k€30k▼
Gross operating margin9900€244k€134k▼
Operating profit (loss)9901€118k€30k▼
Financial charges65/66B€66€69▲
Recurring financial charges65€66€69▲
Profit (loss) for the period before taxes9903€118k€30k▼
Income taxes67/77€32k€9k▼
Profit (loss) for the period9904€85k€21k▼
Profit (loss) for the period to be appropriated9905€85k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€487k€207k▼
Profit (loss) brought forward from the previous period14P€401k€187k▼
Profit to be distributed694/7€300k€150k▼
Return on contributions (dividend)694€300k€150k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €600 | €558 | €152 | €794 | ▲ 423% |
| Remuneration, social security and pensions62 | - | €71k | €69k | €73k | €74k | ▲ 1.0% |
| Other operating charges640/8 | - | €69k | €53k | €53k | €30k | ▼ 43.6% |
| Non-recurring operating charges66A | - | €706 | €239 | - | - | - |
| Gross operating margin9900 | €190k | €329k | €268k | €244k | €134k | ▼ 45.1% |
| Operating profit (loss)9901 | €81k | €187k | €145k | €118k | €30k | ▼ 74.4% |
| Financial charges65/66B | - | €317 | €70 | €66 | €69 | ▲ 4.5% |
| Recurring financial charges65 | €259 | €317 | €70 | €66 | €69 | ▲ 4.5% |
| Profit (loss) for the period before taxes9903 | €81k | €187k | €145k | €118k | €30k | ▼ 74.4% |
| Income taxes67/77 | €22k | €42k | €40k | €32k | €9k | ▼ 71.3% |
| Profit (loss) for the period9904 | €58k | €145k | €105k | €85k | €21k | ▼ 75.6% |
| Profit (loss) for the period to be appropriated9905 | €58k | €145k | €105k | €85k | €21k | ▼ 75.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €268k | €455k | €530k | €608k | €277k | ▼ 54.4% |
| Current assets29/58 | €268k | €455k | €530k | €608k | €277k | ▼ 54.4% |
| Amounts receivable within one year40/41 | €78k | €114k | €185k | €167k | €62k | ▼ 63.1% |
| Trade receivables40 | - | €3k | €2k | €930 | €1k | ▲ 52.8% |
| Other amounts receivable41 | - | €111k | €183k | €166k | €60k | ▼ 63.8% |
| Cash at bank and in hand54/58 | €190k | €341k | €345k | €441k | €216k | ▼ 51.0% |
| Deferred charges and accrued income490/1 | - | €204 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €268k | €455k | €530k | €608k | €277k | ▼ 54.4% |
| Equity10/15 | €173k | €317k | €422k | €207k | €78k | ▼ 62.4% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | - | - | - | €2k | - |
| Profit (loss) carried forward14 | €152k | €297k | €401k | €187k | €57k | ▼ 69.2% |
| Amounts payable17/49 | €95k | €138k | €108k | €401k | €200k | ▼ 50.2% |
| Amounts payable within one year42/48 | €95k | €138k | €108k | €401k | €200k | ▼ 50.2% |
| Trade debts44 | €11k | €17k | €7k | €8k | €6k | ▼ 25.1% |
| Suppliers440/4 | - | €17k | €7k | €8k | €6k | ▼ 25.1% |
| Taxes, remuneration and social security45 | - | €121k | €101k | €93k | €43k | ▼ 53.2% |
| Taxes450/3 | - | €112k | €88k | €81k | €34k | ▼ 58.2% |
| Remuneration and social security454/9 | - | €9k | €13k | €12k | €10k | ▼ 18.8% |
| Other amounts payable47/48 | - | - | - | €300k | €150k | ▼ 50.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58k | €145k | €105k | €85k | €21k | ▼ 75.6% |
| Operating cash flow (approximation) | €58k | €145k | €105k | €85k | €21k | ▼ 75.6% |
| Change in cash | - | €151k | €4k | €96k | €-225k | ▼ 335% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €21k ▼75.6%
Net result drops to €21k, the lowest in the series.
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2020net €145k ▲148%
Operating result €187k, net result €145k, both a record.
30-06
Financial
Equity above €200kEq €317k ▲83.8%
3 profitable years in a row build equity to €317k.
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Equity above €150kEq €173k ▲51.1%
2 profitable years in a row build equity to €173k.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Watermaal-Bosvoorde · 1 establishment unit since 2018
Ground area
5,405 m²
Building footprint
1,686 m²
Volume, LiDAR
26,235 m³
2 parcels, Brussels · tallest building 36.3 m, ±6 floors. Linked by address, not a title deed.
288
companies at this address
See who is registered here
1 establishment unit
CHARLOTT'B
since 20182.283.876.678
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0039/00H003 | Brussels | 5,127 m² | 1 · 1,510 m² | 36.3 m · 1 fl. |
| 21612C0003/00L009 | Brussels | 277 m² | 1 · 175 m² | 26.6 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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 6,502 companies in sector 47716 we hold annual accounts for 2,440. 1,907 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-11-2018
Fiscal year end30-06
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46498Wholesale trade
Contact
E-mail
p.gacon@charlott.fr
Phone
+3222100180
Scores and ratios are computed by Checked and are not a credit decision.