CHARLY WILLEMS
ActiveCHARLY WILLEMS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €502k and a net result of €79k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+13
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 6.19 against 6.49 in 2024; short-term debt: 12.7% and cash: 19.4% of total assets), and 18.5% 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 · 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
81.5%
Return on assets
12.8%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
12 d late
2023
2 d early
2022
39 d early
2021
9 d early
2020
46 d early
2019
44 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€502k▲ 18.6%
2024 · €423k
2018: €251k
2019: €335k
2020: €373k
2021: €410k
2022: €392k
2023: €407k
2024: €423k
2018 → 2025
Total assets
€615k▲ 9.6%
2024 · €562k
2018: €305k
2019: €513k
2020: €590k
2021: €617k
2022: €669k
2023: €594k
2024: €562k
2018 → 2025
Net result
€79k▲ 385%
2024 · €16k
2018: €79k
2019: €84k
2020: €72k
2021: €82k
2022: €61k
2023: €15k
2024: €16k
2018 → 2025
Working capital
€405k▲ 21.2%
2024 · €334k
2018: €144k
2019: €293k
2020: €293k
2021: €328k
2022: €289k
2023: €323k
2024: €334k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€410k-€392k▼ 4.4%€407k▲ 3.7%€423k▲ 4.0%€502k▲ 18.6%
Operating result€117k-€82k▼ 30.2%€18k▼ 78.1%€17k▼ 5.6%€101k▲ 495%
Net result€82k-€61k▼ 25.7%€15k▼ 75.8%€16k▲ 10.7%€79k▲ 385%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 495% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €615k
Fixed assets
€133k▼ 20.5%
Current assets
€483k▲ 22.3%
Equity and liabilities €615k
Equity
€502k▲ 18.6%
Debt
€114k▼ 18.0%
The debt ratio falls from 24.7% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▲
2024 · €55k
Cash flow
€116k▲
2024 · €54k
Solvency
81.5%▲
2024 · 75.3%
Current ratio
6.19▼
2024 · 6.49
Quick ratio
6.19▼
2024 · 6.49
Debt / equity
0.23▼
2024 · 0.33
ROE
15.7%▲
2024 · 3.8%
ROA
12.8%▲
2024 · 2.9%
Interest coverage
41.10▲
2024 · 11.81
Debt
€114k▼
2024 · €139k
Debt ≤ 1 year
€78k▲
2024 · €61k
Debt > 1 year
€36k▼
2024 · €78k
Income taxes
€32k▲
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€562k€615k▲
Fixed assets21/28€167k€133k▼
Tangible fixed assets22/27€167k€133k▼
Land and buildings22€99k€88k▼
Furniture and vehicles24€67k€45k▼
Other tangible fixed assets26€957€0▼
Current assets29/58€395k€483k▲
Amounts receivable within one year40/41€288k€357k▲
Trade receivables40€45k€24k▼
Other amounts receivable41€243k€332k▲
Cash at bank and in hand54/58€101k€120k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€562k€615k▲
Equity10/15€423k€502k▲
Contributions10/11€12k€12k=
Reserves13€411k€489k▲
Distributable reserves133€411k€489k▲
Amounts payable17/49€139k€114k▼
Amounts payable after more than one year17€78k€36k▼
Financial debts170/4€78k€36k▼
Amounts payable within one year42/48€61k€78k▲
Current portion of amounts payable after more than one year42€41k€42k▲
Financial debts43€12k€12k▲
Credit institutions430/8€12k€12k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€7k€19k▲
Taxes450/3€7k€19k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€37k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€56k€138k▲
Operating profit (loss)9901€17k€101k▲
Financial income75/76B€11k€14k▲
Recurring financial income75€11k€14k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€24k€111k▲
Income taxes67/77€7k€32k▲
Profit (loss) for the period9904€16k€79k▲
Profit (loss) for the period to be appropriated9905€16k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€79k▲
Transfer to equity691/2€16k€79k▲
To other reserves6921€16k€79k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €502k ▲18.6%
8 profitable years in a row build equity to €502k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €15k ▼75.8%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €84k ▲6.7%
Operating result €120k, net result €84k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
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
2 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, Diepenbeek · 1 establishment unit since 2008
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.
Lutselusstraat 113590 DiepenbeekGround area
4,290 m²
Building footprint
228 m²
Volume, LiDAR
987 m³
Parcel 71402C0839/00E000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Charly Willems
since 20082.171.545.235
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C0839/00E000 | Flanders | 4,290 m² | 1 · 228 m² | 10.7 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.
Similar companies · same sector, comparable size
Logibel en-of Belgische Logistiek
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FACT _
BE 0877.115.174
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ELLE & LUI FASHION
BE 0476.272.869
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The Factory
BE 0446.777.644
Wetteren · Eq €487k
INTENS
BE 0469.464.657
Kontich · Eq €519k
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2008
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46150Agents in the wholesale of furniture, household goods and hardware
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.