CHARMAIA
ActiveCHARMAIA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-62k) and a net result of €-65k. Equity is shrinking by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 11% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-34
Solvency0▼-26
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.76 against 1.34 in 2024; short-term debt: 42.3% and cash: 59.5% of total assets), but equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
-68.9%
Return on assets
-72.5%
Age of the figures
15 mo
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 · 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-62k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
25 d early
2023
26 d early
2022
28 d early
2021
20 d early
2020
4 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-62k
2024 · €3k
2019: €32k
2020: €29k
2021: €37k
2022: €14k
2023: €14k
2024: €3k
2019 → 2025
Total assets
€90k▼ 65.5%
2024 · €260k
2019: €99k
2020: €130k
2021: €82k
2022: €243k
2023: €266k
2024: €260k
2019 → 2025
Net result
€-65k▼ 504%
2024 · €-11k
2019: €-2k
2020: €-3k
2021: €8k
2022: €-23k
2023: €309
2024: €-11k
2019 → 2025
Working capital
€29k▼ 38.2%
2024 · €47k
2019: €32k
2020: €28k
2021: €27k
2022: €-81k
2023: €45k
2024: €47k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€14k▼ 63.1%€14k▲ 2.3%€3k▼ 76.7%€-62k
Operating result€12k-€-23k€3k€-9k€-62k▼ 600%
Net result€8k-€-23k€309€-11k€-65k▼ 504%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €62k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€23k▼ 70.2%
Current assets
€67k▼ 63.5%
Key figures and ratios
EBITDA
€-52k▼
2024 · €10k
Cash flow
€-55k▼
2024 · €8k
Solvency
-68.9%▼
2024 · 1.3%
Current ratio
1.76▲
2024 · 1.34
Quick ratio
1.70▲
2024 · 0.55
Debt / equity
-2.45▼
2024 · 78.71
ROA
-72.5%▼
2024 · -4.1%
Interest coverage
-12.49▼
2024 · 2.42
Debt
€151k▼
2024 · €257k
Debt ≤ 1 year
€38k▼
2024 · €136k
Debt > 1 year
€113k▼
2024 · €120k
Income taxes
€66▼
2024 · €180
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€260k€90k▼
Fixed assets21/28€77k€23k▼
Tangible fixed assets22/27€77k€23k▼
Plant, machinery and equipment23€8k€0▼
Furniture and vehicles24€15k€8k▼
Other tangible fixed assets26€54k€15k▼
Current assets29/58€183k€67k▼
Stocks and contracts in progress3€108k€2k▼
Stocks30/36€108k€2k▼
Amounts receivable within one year40/41€12k€8k▼
Trade receivables40€12k€8k▼
Cash at bank and in hand54/58€59k€53k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€260k€90k▼
Equity10/15€3k€-62k▼
Contributions10/11€6k€6k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-11k€-76k▼
Amounts payable17/49€257k€151k▼
Amounts payable after more than one year17€120k€113k▼
Financial debts170/4€120k€113k▼
Amounts payable within one year42/48€136k€38k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€372€3▼
Credit institutions430/8€372€3▼
Trade debts44€7k€463▼
Suppliers440/4€7k€463▼
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€13k€5k▼
Other amounts payable47/48€109k€26k▼
Accrued charges and deferred income492/3€387€482▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€10k▼
Other operating charges640/8€877€42k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€11k€-4k▼
Operating profit (loss)9901€-9k€-62k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-11k€-65k▼
Income taxes67/77€180€66▼
Profit (loss) for the period9904€-11k€-65k▼
Profit (loss) for the period to be appropriated9905€-11k€-65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-76k▼
Profit (loss) brought forward from the previous period14P€-622€-11k▼
Transfer from equity791/2€0-
The notes to these accounts (9 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €309
Net result €309 after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.36
Current ratio from 0.61 to 1.36; short-term debt falls from €208k to €125k.
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
30-06
Financial
Liquidity doublescurrent ratio 2.93
Current ratio from 1.28 to 2.93; short-term debt falls from €99k to €14k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aalter · 1 establishment unit since 2005
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.
Rostynedreef 29880 AalterGround area
2,607 m²
Building footprint
257 m²
Volume, LiDAR
1,617 m³
Parcel 44502C0726/00A000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Charmaia
since 20052.298.558.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0726/00A000 | Flanders | 2,607 m² | 1 · 257 m² | 10.5 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 248 EUR awarded · 248 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 248 EUR | 248 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 426 companies in sector 47553 we hold annual accounts for 169. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2005
Fiscal year end30-06
Activities, NACEBEL
47553Retail trade
47593Retail trade
47120Other non-specialised retail sale
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47722Retail trade
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.