Charlou
ActiveCharlou has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €697k and a net result of €-6k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-2
Solvency87▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days only on tighter terms
Liquidity short (current ratio 0.23 against 0.37 in 2023; short-term debt: 38.2% and cash: 0.1% of total assets), and 38.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
61.6%
Return on assets
-0.5%
Age of the figures
24 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 143 days later.
NBB · 7 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline20-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 29-04-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not filed
2024
1 d early
2023
55 d late
2022
4 d early
2021
250 d late
2020
307 d late
2019
287 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€697k▼ 0.8%
2023 · €703k
2018: €572k
2019: €610k
2020: €651k
2021: €686k
2022: €700k
2023: €703k
2018 → 2024
Total assets
€1.13M▼ 7.5%
2023 · €1.22M
2018: €1.15M
2019: €1.09M
2020: €1.17M
2021: €1.23M
2022: €1.28M
2023: €1.22M
2018 → 2024
Net result
€-6k
2023 · €3k
2018: €57k
2019: €38k
2020: €41k
2021: €34k
2022: €14k
2023: €3k
2018 → 2024
Working capital
€-333k▼ 1.7%
2023 · €-327k
2018: €-161k
2019: €-186k
2020: €-210k
2021: €-242k
2022: €-296k
2023: €-327k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€651k-€686k▲ 5.3%€700k▲ 2.1%€703k▲ 0.4%€697k▼ 0.8%
Operating result€61k-€50k▼ 16.7%€28k▼ 44.7%€22k▼ 21.6%€5k▼ 78.5%
Net result€41k-€34k▼ 17.0%€14k▼ 58.8%€3k▼ 78.9%€-6k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 78% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.13M
Fixed assets
€1.03M=
Current assets
€100k▼ 47.7%
Equity and liabilities €1.13M
Equity
€697k▼ 0.8%
Debt
€435k▼ 16.5%
The debt ratio falls from 42.5% to 38.4%. Equity and debt are lower.
Key figures and ratios
Solvency
61.6%▲
2023 · 57.5%
Current ratio
0.23▼
2023 · 0.37
Quick ratio
0.23▼
2023 · 0.37
Debt / equity
0.62▼
2023 · 0.74
ROE
-0.8%▼
2023 · 0.4%
ROA
-0.5%▼
2023 · 0.2%
Debt
€435k▼
2023 · €520k
Debt ≤ 1 year
€433k▼
2023 · €518k
Income taxes
€2k▼
2023 · €9k
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€1.22M€1.13M▼
Fixed assets21/28€1.03M€1.03M=
Financial fixed assets28€1.03M€1.03M=
Current assets29/58€191k€100k▼
Amounts receivable within one year40/41€188k€98k▼
Trade receivables40€54k€12k▼
Other amounts receivable41€134k€86k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€479€471▼
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.13M▼
Equity10/15€703k€697k▼
Contributions10/11€515k€515k=
Reserves13€188k€182k▼
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€183k€177k▼
Amounts payable17/49€520k€435k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€518k€433k▼
Current portion of amounts payable after more than one year42€35k€0▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€71k€98k▲
Taxes450/3€71k€98k▲
Other amounts payable47/48€400k€329k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20232024
Other operating charges640/8€12k€10k▼
Gross operating margin9900€34k€15k▼
Operating profit (loss)9901€22k€5k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€12k€-4k▼
Income taxes67/77€9k€2k▼
Profit (loss) for the period9904€3k€-6k▼
Profit (loss) for the period to be appropriated9905€3k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-6k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
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
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-6k ▼290%
Net result drops to €-6k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 55 days late
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 250 days late
2022
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 307 days late
2021
11-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 287 days late
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 169 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lendelede · 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.
Kortemunteweg 158860 LendeledeGround area
3,955 m²
Building footprint
413 m²
Volume, LiDAR
2,029 m³
Parcel 34025B0109/00H006, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHARLOU BVBA
since 20172.260.541.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0109/00H006 | Flanders | 3,955 m² | 1 · 413 m² | 10.4 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 31,606 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-01-2017
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.