CHARLOTTE VANHAM

Active

Private limited companyfounded 2025active for 1 yearMax Roosstraat 43, 1030 Schaarbeek, BelgiumKBO/BCE: BE 1025.786.678

Summary

CHARLOTTE VANHAM has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,026 and a net result of €16,026. Its solvency ranks better than 55% of 15,681 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

CHARLOTTE VANHAMActiveChecked score 96/100

Risk analysis Report Compare

Activity

Activities of lawyers

NACE 69101

1 site

Size

€27,751total assets 2025

Equity: €17,026
Profit: €16,026

Turnover not published (micro format)

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Charlotte Laurence Nathalie VANHAMDirector

Accounts filed 28 days late

Why 96raises riskFounded in 2025lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 2.81, cash €15,063Figures for financial year 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 71% of its sector peers (NACE 69, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 86

equity 61.4% of total assets

Liquidity 84

short-term debt 35.6% · cash 54.3%

Profitability 100

return on assets 57.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,036 companies, NACE 69, micro)

Last 24 months 08-2026: 0.3%highest value 09-2026: < 0.1%▼ -0.3 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €1,500 on 30-day terms is acceptable

Liquidity ample (current ratio 2.81, above the usual 1.5; short-term debt: 35.6% and cash: 54.3% of total assets), and 38.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro): better than 57% on solvency, 74% on liquidity and 82% on profitability.

The bankruptcy probability was computed on 21-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

lowers riskraises riskneutral

Sector: Legal and accounting activities (NACE 69)

KBO

Liquidity: current ratio 2.81, cash €15,063

NBB · annual accounts

Figures for financial year 2025 (filed 28-08-2026)

NBB · annual accounts

Founded in 2025

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 1 filing

Deviation from the deadline

2025

28 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2025.

KBO publications · our coverage

28-08-2026 Annual accounts filedfinancial year 2025 · micro…
25-07-2025 IncorporationAppointment: Charlotte Laurence Nathalie VANHAM…

Key points

Caution: Among the weakest 18% on equitysector median €86,169 · 15,686 companies €17,026 View
Founded 14 months agofounded 23-07-2025 14 months View
One director decidessole director in office 1 View