CHARME

Active

Private limited company (pre-2019)founded 198442 yrs activeFroidvau 3, 5500 Dinant, BelgiumKBO/BCE: BE 0425.834.651

CHARME has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 6592 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2024

58 / 100

Fair▲ +7 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency16▲+7

Growth78▲+20

Stability100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.0 against 0.86 in 2023), and 91.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

8.2%

Return on assets

6.4%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 6592 sector peers (2024).

NBB · sector comparison

Position among 6592 sector peers

Solvency

better than 20%

← weakest strongest →

Filed more than 90 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: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

92 d late

2023

97 d late

2022

81 d late

2021

86 d late

2020

297 d late

2019

402 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€38k▼ 26.3%

2023 · €52k

2018: €-8k 2019: €-121k 2020: €18k 2021: €-4k 2022: €-8k 2023: €52k

2018 → 2024

Working capital

€199

2023 · €-47k

2018: €23k 2019: €-176k 2020: €-137k 2021: €-120k 2022: €-102k 2023: €-47k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-29k-€-33k▼ 13.2%€-41k▼ 25.4%€11k€49k▲ 357%

Operating result€27k-€6k▼ 79.5%€6k▲ 9.9%€60k▲ 889%€64k▲ 5.6%

Net result€18k-€-4k€-8k▼ 118%€52k€38k▼ 26.3%

Result per fiscal year

Operating resultNet result

After the dip in 2021 the operating result has climbed three years in a row; 2024 is 6% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €595k

52.7%

47.3%

Fixed assets €313k▼ 12.5%

Current assets €282k▼ 2.7%

Equity and liabilities €595k

91.8%

Equity €49k▲ 357%

Debt €546k▼ 14.2%

The debt ratio falls from 98.4% to 91.8%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€108k▼

2023 · €114k

Cash flow

€83k▼

2023 · €105k

Solvency

8.2%▲

2023 · 1.6%

Current ratio

1.00▲

2023 · 0.86

Quick ratio

0.20▲

2023 · 0.17

Debt / equity

11.20▼

2023 · 59.65

ROE

78.1%▼

2023 · 484.3%

ROA

6.4%▼

2023 · 8.0%

Interest coverage

14.72▲

2023 · 13.03

Debt

€546k▼

2023 · €637k

Debt ≤ 1 year

€281k▼

2023 · €337k

Debt > 1 year

€265k▼

2023 · €300k

Income taxes

€18k

Staff costs

€219k▲

2023 · €198k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€648k€595k▼

Fixed assets21/28€358k€313k▼

Intangible fixed assets21€37k€30k▼

Tangible fixed assets22/27€314k€277k▼

Land and buildings22€258k€234k▼

Plant, machinery and equipment23€51k€41k▼

Furniture and vehicles24€5k€2k▼

Financial fixed assets28€7k€7k=

Current assets29/58€289k€282k▼

Stocks and contracts in progress3€232k€225k▼

Stocks30/36€232k€225k▼

Amounts receivable within one year40/41€38k€17k▼

Trade receivables40€29k€5k▼

Other amounts receivable41€9k€12k▲

Cash at bank and in hand54/58€19k€38k▲

Deferred charges and accrued income490/1€289€2k▲

Equity and liabilities

Total equity and liabilities10/49€648k€595k▼

Equity10/15€11k€49k▲

Contributions10/11€56k€56k=

Reserves13€3k€3k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Tax-exempt reserves132€669€669=

Distributable reserves133€623€623=

Profit (loss) carried forward14€-48k€-10k▲

Amounts payable17/49€637k€546k▼

Amounts payable after more than one year17€300k€265k▼

Financial debts170/4€300k€265k▼

Amounts payable within one year42/48€337k€281k▼

Current portion of amounts payable after more than one year42€50k€35k▼

Trade debts44€77k€37k▼

Suppliers440/4€77k€37k▼

Taxes, remuneration and social security45€40k€63k▲

Taxes450/3€9k€63k▲

Remuneration and social security454/9€31k-

Other amounts payable47/48€170k€146k▼

Income statement Code20232024

Non-recurring operating income76A€2k-

Remuneration, social security and pensions62€198k€219k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€45k▼

Other operating charges640/8€6k€6k▲

Non-recurring operating charges66A€996€1k▲

Gross operating margin9900€318k€334k▲

Operating profit (loss)9901€60k€64k▲

Financial income75/76B€205€198▼

Recurring financial income75€205€198▼

Financial charges65/66B€9k€7k▼

Recurring financial charges65€9k€7k▼

Profit (loss) for the period before taxes9903€52k€56k▲

Income taxes67/77-€18k

Profit (loss) for the period9904€52k€38k▼

Profit (loss) for the period to be appropriated9905€52k€38k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-48k€-10k▲

Profit (loss) brought forward from the previous period14P€-100k€-48k▲

Social balance

Average headcount (FTE)90875.87.0▲

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

31-10

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 92 days late

2024

05-11

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 97 days late

2023

31-12

Financial Back to profitnet €52k

Net result €52k after 2 loss-making years.

20-10

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 81 days late

2022

25-10

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 86 days late

24-05

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 297 days late

2021

06-09

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 402 days late

2020

31-12

Financial Back to profitnet €18k

Net result €18k after 2 loss-making years.

2019

31-12

Financial Weakest financial yearnet €-121k

Net result drops to €-121k, the lowest in the series; recovery starts the following year.

28-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 28 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 30 days late

2017

26-09

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 57 days late

2016

30-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 30 days late

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, Dinant · 1 establishment unit since 1984

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.

Froidvau 35500 Dinant

Ground area

368 m²

Building footprint

154 m²

Volume, LiDAR

863 m³

Parcel 91034D0305/00W000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Aux 3 Comptoirs

Froidvau 3, 5500 DinantNACE 52111

since 19842.024.852.630

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
91034D0305/00W000	Wallonia	368 m²	1 · 154 m²	8.2 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

Ham-sur-Heure-Nalinnes · Eq €49k

P.S.V.

BE 0745.811.422

Dinant · Eq €49k

Dagbladhandel Het Steen

BE 0444.793.894

Antwerpen · Eq €49k

Of 2,320 companies in sector 47621 we hold annual accounts for 1,236. 1,090 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded19-06-1984

Fiscal year end31-12

Activities, NACEBEL

47620Retail trade

47621Retail sale of newspapers and periodicals

52470

Sources

Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.