CHARLY L.
ActiveThe computed 12-month bankruptcy probability of CHARLY L. is 2.4% (moderate). The 2025 annual accounts show negative equity (€-57k) and a net result of €-3k. Equity is shrinking by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 1526 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 · 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 2025Age of the figures
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-57k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
6 d late
2023
29 d late
2022
31 d late
2021
3 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €1k
2018: €-16k
2019: €-32k
2020: €-15k
2021: €-13k
2022: €-15k
2023: €11k
2024: €1k
2018 → 2025
Working capital
€-57k▼ 4.8%
2024 · €-55k
2018: €-147
2019: €-23k
2020: €-38k
2021: €-51k
2022: €-66k
2023: €-56k
2024: €-55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-51k-€-66k▼ 29.8%€-55k▲ 16.3%€-54k▲ 2.1%€-57k▼ 5.2%
Operating result€-12k-€-15k▼ 18.2%€11k€1k▼ 87.7%€-3k
Net result€-13k-€-15k▼ 16.7%€11k€1k▼ 89.1%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €999
Fixed assets
€188▼ 55.5%
Current assets
€810▼ 55.2%
Key figures and ratios
EBITDA
€-2k▼
2024 · €2k
Cash flow
€-3k▼
2024 · €1k
Interest coverage
-12.33▼
2024 · 8.92
Debt
€58k▲
2024 · €57k
Debt ≤ 1 year
€58k▲
2024 · €57k
Ratios withheld: a balance sheet total of €999 is too small for a meaningful ratio.
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€2k€999▼
Fixed assets21/28€423€188▼
Tangible fixed assets22/27€423€188▼
Furniture and vehicles24€423€188▼
Current assets29/58€2k€810▼
Amounts receivable within one year40/41€773€405▼
Trade receivables40-€400
Other amounts receivable41€773€5▼
Cash at bank and in hand54/58€1k€405▼
Equity and liabilities
Total equity and liabilities10/49€2k€999▼
Equity10/15€-54k€-57k▼
Contributions10/11€25k€25k=
Reserves13€34k€34k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-114k€-117k▼
Amounts payable17/49€57k€58k▲
Amounts payable within one year42/48€57k€58k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Other amounts payable47/48€56k€56k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€235€235=
Other operating charges640/8€387€400▲
Gross operating margin9900€2k€-2k▼
Operating profit (loss)9901€1k€-3k▼
Financial charges65/66B€179€196▲
Recurring financial charges65€179€196▲
Profit (loss) for the period before taxes9903€1k€-3k▼
Profit (loss) for the period9904€1k€-3k▼
Profit (loss) for the period to be appropriated9905€1k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-114k€-117k▼
Profit (loss) brought forward from the previous period14P€-115k€-114k▲
The notes to these accounts (8 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brussel · 1 establishment unit since 2002
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.
Van Moerstraat 151000 BrusselGround area
174 m²
Building footprint
161 m²
Volume, LiDAR
2,969 m³
Parcel 21808H0877/00D000, Brussels · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CHARLY L.
since 20022.194.031.023
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0877/00D000 | Brussels | 174 m² | 1 · 161 m² | 23.3 m · 6 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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NAHALI
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SWEET CAKES
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BROOD EN BANKET MATTHI
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Of 4,228 companies in sector 10712 we hold annual accounts for 1,870. 934 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-09-1985
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.