CHARLY A.
ActiveThe computed 12-month bankruptcy probability of CHARLY A. is 1.9% (moderate). The 2025 annual accounts show equity of €59k and a net result of €25k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 18039 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
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency68▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.78 in 2024; short-term debt: 49.4% and cash: 45.8% of total assets), but 56.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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
43.5%
Return on assets
18.1%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
2 d early
2022
16 d early
2021
9 d early
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 0.3%
2024 · €59k
2019: €13k
2020: €36k
2021: €34k
2022: €36k
2023: €56k
2024: €59k
2019 → 2025
Total assets
€137k▼ 5.3%
2024 · €144k
2019: €68k
2020: €96k
2021: €91k
2022: €131k
2023: €159k
2024: €144k
2019 → 2025
Net result
€25k▼ 44.3%
2024 · €44k
2019: €9k
2020: €48k
2021: €23k
2022: €27k
2023: €50k
2024: €44k
2019 → 2025
Working capital
€57k▲ 3.8%
2024 · €55k
2019: €2k
2020: €29k
2021: €25k
2022: €30k
2023: €52k
2024: €55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€36k▲ 5.5%€56k▲ 56.7%€59k▲ 5.4%€59k▲ 0.3%
Operating result€16k-€31k▲ 98.2%€63k▲ 106%€52k▼ 17.9%€30k▼ 42.7%
Net result€23k-€27k▲ 17.4%€50k▲ 87.2%€44k▼ 11.9%€25k▼ 44.3%
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; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€12k▼ 34.2%
Current assets
€125k▼ 1.2%
Equity and liabilities €137k
Equity
€59k▲ 0.3%
Debt
€77k▼ 9.1%
The debt ratio falls from 58.9% to 56.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €59k
Cash flow
€32k▼
2024 · €51k
Solvency
43.5%▲
2024 · 41.1%
Current ratio
1.85▲
2024 · 1.78
Quick ratio
1.01▲
2024 · 0.81
Debt / equity
1.30▼
2024 · 1.44
ROE
41.6%▼
2024 · 74.9%
ROA
18.1%▼
2024 · 30.8%
Interest coverage
70.95▼
2024 · 101.98
Debt
€77k▼
2024 · €85k
Debt ≤ 1 year
€67k▼
2024 · €71k
Debt > 1 year
€10k▼
2024 · €14k
Income taxes
€5k▼
2024 · €7k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€144k€137k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€16k€8k▼
Leasing and similar rights25-€360
Other tangible fixed assets26-€2k
Current assets29/58€126k€125k▼
Stocks and contracts in progress3€69k€57k▼
Stocks30/36€69k€57k▼
Amounts receivable within one year40/41€13k€6k▼
Trade receivables40€7k-
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€43k€63k▲
Deferred charges and accrued income490/1€2k€99▼
Equity and liabilities
Total equity and liabilities10/49€144k€137k▼
Equity10/15€59k€59k▲
Contributions10/11€12k€12k=
Reserves13€29k€29k=
Non-distributable reserves130/1€26€26=
Reserves not available under the articles1311€26€26=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€18k€18k▲
Amounts payable17/49€85k€77k▼
Amounts payable after more than one year17€14k€10k▼
Financial debts170/4€14k€10k▼
Amounts payable within one year42/48€71k€67k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Financial debts43€268-
Credit institutions430/8€268-
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€17k▲
Other amounts payable47/48€37k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€14k▲
Other operating charges640/8€482€922▲
Gross operating margin9900€62k€52k▼
Operating profit (loss)9901€52k€30k▼
Financial income75/76B€88€15▼
Recurring financial income75€88€15▼
Financial charges65/66B€580€526▼
Recurring financial charges65€580€526▼
Profit (loss) for the period before taxes9903€52k€29k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€44k€25k▼
Profit (loss) for the period to be appropriated9905€44k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€42k▼
Profit (loss) brought forward from the previous period14P€22k€18k▼
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€41k€25k▼
Return on contributions (dividend)694€4k-
Directors or managers695€37k€25k▼
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
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2019net €50k ▲87.2%
Operating result €63k, net result €50k, both a record.
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Elsene · 2 establishment units since 2018
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.
Molièrelaan 1961050 ElseneGround area
1,070 m²
Building footprint
325 m²
Volume, LiDAR
2,962 m³
2 parcels, Brussels, Flanders · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
CHARLY A.
since 20182.275.715.713
CHARLY A. SRL
since 20192.301.512.565
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0043/00P064 | Flanders | 868 m² | 1 · 199 m² | 6.6 m · 2 fl. |
| 21447B0310/00G030 | Brussels | 202 m² | 1 · 125 m² | 20.2 m · 6 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
LES FRINGUES DE LILIE
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DIMALDO
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LE 3 MA
BE 0479.104.675
Ath · Eq €59k
DS GD Belgium
BE 0759.664.210
Watermaal-Bosvoorde · Eq €60k
Global Activities
BE 0825.771.292
Aalst · Eq €60k
Of 6,498 companies in sector 47716 we hold annual accounts for 2,440. 1,883 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2018
Fiscal year end30-09
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:WWW.CHARLYA.BE
E-mail:YES@CHARLYA.BE