CHARLOTTE SIMPHAL
ActiveCHARLOTTE SIMPHAL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €687k and a net result of €92k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 10.88 against 8.63 in 2023; short-term debt: 7.1% and cash: 35.8% of total assets), and 7.6% of the assets are financed with debt.
Credit advice 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
92.4%
Return on assets
12.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
78 d late
2022
70 d late
2021
87 d late
2020
89 d late
2019
109 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€687k▼ 2.0%
2023 · €701k
2018: €390k
2019: €449k
2020: €595k
2021: €643k
2022: €680k
2023: €701k
2018 → 2024
Total assets
€743k▼ 4.3%
2023 · €776k
2018: €479k
2019: €466k
2020: €663k
2021: €734k
2022: €771k
2023: €776k
2018 → 2024
Net result
€92k▼ 5.5%
2023 · €98k
2018: €125k
2019: €59k
2020: €146k
2021: €144k
2022: €161k
2023: €98k
2018 → 2024
Working capital
€520k▼ 5.5%
2023 · €550k
2018: €345k
2019: €389k
2020: €510k
2021: €515k
2022: €565k
2023: €550k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€595k-€643k▲ 8.1%€680k▲ 5.8%€701k▲ 3.0%€687k▼ 2.0%
Operating result€201k-€212k▲ 5.6%€227k▲ 7.1%€123k▼ 45.8%€120k▼ 2.5%
Net result€146k-€144k▼ 1.5%€161k▲ 11.6%€98k▼ 39.1%€92k▼ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 2% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €743k
Fixed assets
€171k▲ 10.4%
Current assets
€572k▼ 8.0%
Equity and liabilities €743k
Equity
€687k▼ 2.0%
Debt
€56k▼ 25.7%
The debt ratio falls from 9.7% to 7.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€135k▼
2023 · €138k
Cash flow
€108k▼
2023 · €112k
Solvency
92.4%▲
2023 · 90.3%
Current ratio
10.88▲
2023 · 8.63
Quick ratio
10.88▲
2023 · 8.63
Debt / equity
0.08▼
2023 · 0.11
ROE
13.5%▼
2023 · 14.0%
ROA
12.4%▼
2023 · 12.6%
Interest coverage
175.18▼
2023 · 184.39
Debt
€56k▼
2023 · €76k
Debt ≤ 1 year
€53k▼
2023 · €72k
Income taxes
€38k▲
2023 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€776k€743k▼
Fixed assets21/28€154k€171k▲
Tangible fixed assets22/27€154k€171k▲
Furniture and vehicles24€138k€156k▲
Other tangible fixed assets26€16k€14k▼
Current assets29/58€622k€572k▼
Amounts receivable after more than one year29€275k-
Other amounts receivable291€275k-
Amounts receivable within one year40/41€109k€283k▲
Other amounts receivable41€109k€283k▲
Cash at bank and in hand54/58€225k€266k▲
Deferred charges and accrued income490/1€13k€23k▲
Equity and liabilities
Total equity and liabilities10/49€776k€743k▼
Equity10/15€701k€687k▼
Contributions10/11€12k€12k=
Reserves13€687k€673k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€686k€672k▼
Profit (loss) carried forward14€885€888▲
Amounts payable17/49€76k€56k▼
Amounts payable within one year42/48€72k€53k▼
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€49k€38k▼
Taxes450/3€49k€38k▼
Other amounts payable47/48€12k€1k▼
Accrued charges and deferred income492/3€4k€4k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€656€857▲
Gross operating margin9900€138k€136k▼
Operating profit (loss)9901€123k€120k▼
Financial income75/76B€11k€11k▼
Recurring financial income75€11k€11k▼
Financial charges65/66B€746€771▲
Recurring financial charges65€746€771▲
Profit (loss) for the period before taxes9903€133k€130k▼
Income taxes67/77€35k€38k▲
Profit (loss) for the period9904€98k€92k▼
Profit (loss) for the period to be appropriated9905€98k€92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€93k▼
Profit (loss) brought forward from the previous period14P€885€885=
Transfer from equity791/2€69k€106k▲
Transfer to equity691/2€89k€91k▲
To other reserves6921€89k€91k▲
Profit to be distributed694/7€78k€107k▲
Return on contributions (dividend)694€78k€107k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Highest result since 2018net €161k ▲11.6%
Operating result €227k, net result €161k, both a record.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Equity above €500kEq €595k ▲32.5%
3 profitable years in a row build equity to €595k.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
2019
31-12
Financial
Weakest financial yearnet €59k ▼52.9%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 28.01
Current ratio from 5.01 to 28.01; short-term debt falls from €86k to €14k.
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 70 days late
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 81 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
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, Ukkel · 1 establishment unit since 2010
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.
Groene Jagerslaan 541180 UkkelGround area
741 m²
Building footprint
208 m²
Volume, LiDAR
2,217 m³
Parcel 21612C0291/00C012, Brussels · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CHARLOTTE SIMPHAL
since 20102.305.237.563
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0291/00C012 | Brussels | 740 m² | 1 · 208 m² | 16.7 m · 4 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.
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AAH
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EXELIA
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 5,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-03-2010
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.