Financials
- Financial year
- 2024
- Total assets
- €595,104
- Profit
- €38,094
- Solvency
- 8.2%
Total assets▼ 8.1%
Net result
20182024
CHARME
ActiveSummary
The computed 12-month bankruptcy probability of CHARME is 3.8% (moderate). The 2024 annual accounts show equity of €48,772 and a net result of €38,094. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 6,482 sector peers (NACE 47, financial year 2024). The company has been active since 1984 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of newspapers and periodicals
NACE 47621
4th oldest company in Dinant, Wholesale and retail trade sector1 site
Size
≈ €2.2mturnover 2024, estimated
- Staff
- 7 FTE
- Equity
- €48,772
- Profit
- €38,094
Turnover estimated from the gross margin
Structure
2025 accounts not filed, 91 days past the deadline3 deeds in the Belgian Official Gazette
Why 50raises riskFigures for financial year 2024 (filed 01-11-2025)Equity €48,772 (8.2% of total assets)Liquidity: current ratio 1.00, cash €37,933lowers riskFounded in 1984Show the evidence
Checked score
Score 2024
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 55% of its sector peers (NACE 47, micro)
Financial strength · tick = 2023
Average
Solvency
33+6
equity 8.2% of total assets
Liquidity
35+8
short-term debt 47.3% · cash 6.4%
Profitability
77-2
return on assets 6.4%
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 5.2%highest value
12-2024: 1.7%▼ -3.5 percentage points vs 11-2024
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.7%● unchanged vs 02-2025
04-2025: 1.7%● unchanged vs 03-2025
05-2025: 1.7%● unchanged vs 04-2025
06-2025: 1.7%● unchanged vs 05-2025
07-2025: 1.9%▲ +0.2 percentage points vs 06-2025
08-2025: 2.5%▲ +0.6 percentage points vs 07-2025
09-2025: 2.8%▲ +0.3 percentage points vs 08-2025
10-2025: 3.5%▲ +0.7 percentage points vs 09-2025
11-2025: 3.6%▲ +0.1 percentage points vs 10-2025
12-2025: 1.7%▼ -1.9 percentage points vs 11-2025
01-2026: 1.6%▼ -0.1 percentage points vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.6%● unchanged vs 04-2026
06-2026: 1.6%● unchanged vs 05-2026lowest value
07-2026: 1.6%● unchanged vs 06-2026
08-2026: 2.5%▲ +0.9 percentage points vs 07-2026
09-2026: 2.9%▲ +0.4 percentage points vs 08-2026
10-2026: 3.8%▲ +0.9 percentage points vs 09-2026
Credit of up to €2,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity tight (current ratio 1.0, compared with 0.86 in 2023, below the usual 1.5; short-term debt: 47.3% and cash: 6.4% of total assets), and 91.8% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 25% on solvency, 32% on liquidity, 65% on profitability and 98% on growth.
The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 6482 sector peers (2024).
NBB · sector comparisonPosition among 6482 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 91 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline30-10-2026 today
raises risk · 2024 accounts filed 92 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
92 days late
2023
97 days late
2022
81 days late
2021
86 days late
2020
297 days late
2019
402 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 176 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · full…
- Annual accounts filedfinancial year 2023 · full…
- Back to profitnet €51,710
Key points
By topic
Timeline
- Events
- 44
- Since
- 1985
- 20-10-2023Annual accounts filed
- 25-10-2022Annual accounts filed
- 24-05-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of newspapers and periodicalsNACE 47621
- Founded
- 19-06-1984
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about CHARME
- What is the company number of CHARME?
- 0425.834.651. In Belgium the VAT number is the company number with BE in front: BE 0425.834.651.
- Where is CHARME based?
- The registered office is at Froidvau 3, 5500 Dinant.Company details
- What does CHARME do?
- According to the KBO register, the main activity is retail sale of newspapers and periodicals (NACE 47621).
- What is the legal form of CHARME?
- Private limited company (pre-2019) (BVBA).
- When was CHARME founded?
- On 19-06-1984.
- Is CHARME still active?
- Yes, CHARME is an active enterprise in the KBO register.
- How many employees does CHARME have?
- On average 7 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of CHARME?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is CHARME profitable?
- In financial year 2024, CHARME made a profit of €38,094.
- Where can I find the annual accounts of CHARME?
- CHARME filed 41 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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- CLIN D'OEILHam-sur-Heure-Nalinnes
- P.S.V.Dinant
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