Active BE 0642.963.411Private limited company

Charlotte DE SMET

Chemin de l'Anglée(HER) 525 ·7742 Pecq, Belgium· 10 yrs active

Sector: Activiteiten op het gebied van kinesitherapie (86951)

Conclusion Checked

Charlotte DE SMET has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-121. The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€46k
Net result	€-121
Active	10 yrs
Locations	1

Financial profile 5 of 5 axes measured · computed by Checked

41 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 35

Profitability 0

Solvency 37

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2015, 10 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

35 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 09-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

EBITDA

€13k

-41.6% 24-25

Net profit

€-121

- 24-25

Cash flow

€8k

-47.3% 24-25

Total assets

€176k

-7.7% 24-25

Equity

€46k

-0.3% 24-25

Working capital

€-2k

- 24-25

Income taxes

€2k

-53.9% 24-25

Debt

€130k

-10.0% 24-25

Show 9 other metrics

Debt ≤ 1y

€15k

-15.9% 24-25

Debt > 1y

€115k

-9.2% 24-25

Current ratio

0.87

-31.7% 24-25

Quick ratio

0.87

-31.7% 24-25

Solvency

26.3%

+8.0% 24-25

Debt / equity

2.81

-9.8% 24-25

ROE

-0.3%

- 24-25

ROA

-0.1%

- 24-25

Interest coverage

3.67

-39.8% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro schema
Revenue	-
EBITDA	€13k
Net profit	€-121
Cash flow	€8k
Staff costs	-
Income taxes	€2k
Dividends	-
Total assets	€176k
Equity	€46k
Debt	€130k
of which ≤ 1y	€15k
of which > 1y	€115k
Working capital	€-2k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.87
Quick ratio	0.87
Working capital ratio	-1.1%
Solvency	26.3%
Debt / equity	2.81
Long-term debt ratio	2.49
Interest coverage	3.67
Gross margin	-
Net margin	-
ROA	-0.1%
ROE	-0.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €163k · 92.8% Current assets €13k · 7.2%

Equity & liabilities

Equity €46k · 26.3% Debt €130k · 73.7%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€176k
Fixed assets	21/28	€163k
Intangible fixed assets	21	€535
Tangible fixed assets	22/27	€163k
Current assets	29/58	€13k
Amounts receivable within one year	40/41	€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€176k
Equity	10/15	€46k
Contributions / capital	10/11	€12k
Reserves	13	€13k
Accumulated profits (losses)	14	€21k
Amounts payable	17/49	€130k
Amounts payable after one year	17	€115k
Amounts payable within one year	42/48	€15k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€14k
Operating result	9901	€5k
Financial income	75	€420
Financial charges	65	€3k
Result before taxes	9903	€2k
Income taxes	67/77	€2k
Net result for the period	9904	€-121
Result to be appropriated	9905	€-121

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Former directors (1)

Charlotte DE SMET
Gérant
State Gazette act 23321382 (10-03-2023)

Former
- → 10-03-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten op het gebied van kinesitherapie(86951)
Legal form	Private limited company(610)
Incorporation	18-11-2015
Status	Active
Postal code	7742

Establishment units 1 location

Rue des Ecoles(HA) 38, 7911 Frasnes-lez-Anvaing

Kinesitherapie activiteiten

since 20152.248.189.784

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57037B0200/00_000	Wallonia	4,290 m²	1 · 246 m²	7.2 m · 2 fl.
51029B0165/00L000	Wallonia	1,809 m²	1 · 249 m²	7.9 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

All 11 NBB filing 10 State Gazette act 1

2026

09-04-2026 NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

13-02-2025 NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

04-04-2024 NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

27-07-2023 NBB filing Annual accounts filed

fiscal year 2022 · micro schema

10-03-2023 State Gazette act Director changes

Vincent VANDERCAM

2022

27-07-2022 NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

26-07-2021 NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

28-07-2020 NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

30-07-2019 NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

31-07-2018 NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

28-07-2017 NBB filing Annual accounts filed

fiscal year 2016 · full schema

Belgian State Gazette reading coverage 0 of 3 acts read

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.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 3 years ago

2023

10-03-2023 Charlotte DE SMET resigns as gérant Director changes·Vincent VANDERCAM

Charlotte DE SMET, Gérant

Notary: Vincent VANDERCAM · Tournai

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Ambulante revalidatieactiviteiten86905Activiteiten op het gebied van kinesitherapie86951Sport- en recreatieonderwijs85510

Primary activity highlighted.

Names & trade names

Legal nameFR

Charlotte DE SMET

Registered office

Chemin de l'Anglée(HER) 525

7742 Pecq, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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