CHARMOZ
ActiveSummary
CHARMOZ has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €3k. Equity remains stable across the filed fiscal years (±0.5% per year). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+63
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 7.21 against 7.57 in 2024; short-term debt: 13.8% and cash: 85.7% of total assets), and 13.8% of the assets are financed with debt.
Credit check 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
86.2%
Return on assets
1.6%
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
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
34 d early
2023
48 d early
2022
52 d early
2021
45 d early
2020
43 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k
2024 · €-19k
2018: €42k
2019: €-14k▼ -132% vs 2018
2020: €-21k▼ -53.7% vs 2019
2021: €11k▲ +153% vs 2020
2022: €210k▲ +1790% vs 2021highest in 8 years
2023: €-22k▼ -111% vs 2022lowest in 8 years
2024: €-19k▲ +14.2% vs 2023
2025: €3k▲ +117% vs 2024
2018 → 2025
Working capital
€172k▼ 11.1%
2024 · €193k
2018: €198k
2019: €185k▼ -6.4% vs 2018
2020: €164k▼ -11.2% vs 2019lowest in 8 years
2021: €176k▲ +7.0% vs 2020
2022: €261k▲ +48.4% vs 2021highest in 8 years
2023: €238k▼ -8.6% vs 2022
2024: €193k▼ -18.9% vs 2023
2025: €172k▼ -11.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€261k▲ 48.4%€238k▼ 8.6%€194k▼ 18.5%€172k▼ 11.2%
2021: €176k
2022: €261k▲ +48.4% vs 2021highest in 5 years
2023: €238k▼ -8.6% vs 2022
2024: €194k▼ -18.5% vs 2023
2025: €172k▼ -11.2% vs 2024lowest in 5 years
Operating result€11k-€266k▲ 2,279%€-23k€-23k▼ 0.2%€3k
2021: €11k
2022: €266k▲ +2279% vs 2021highest in 5 years
2023: €-23k▼ -109% vs 2022
2024: €-23k▼ -0.2% vs 2023lowest in 5 years
2025: €3k▲ +111% vs 2024
Net result€11k-€210k▲ 1,790%€-22k€-19k▲ 14.2%€3k
2021: €11k
2022: €210k▲ +1790% vs 2021highest in 5 years
2023: €-22k▼ -111% vs 2022lowest in 5 years
2024: €-19k▲ +14.2% vs 2023
2025: €3k▲ +117% vs 2024
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€457 ▼ 43.2%
Current assets
€200k ▼ 10.4%
Equity and liabilities €200k
Equity
€172k ▼ 11.2%
Debt
€28k ▼ 5.9%
Debt's share of the balance-sheet total rises from 13.2% to 13.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €-23k
Cash flow
€4k▲
2024 · €-19k
Current ratio
7.21▼
2024 · 7.57
Debt to equity
0.16▲
2024 · 0.15
ROE
1.9%▲
2024 · -9.9%
ROA
1.6%▲
2024 · -8.6%
Interest coverage
54.70▲
2024 · -659.73
Debt ≤ 1 year
€28k▼
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€200k▼
Fixed assets21/28€805€457▼
Tangible fixed assets22/27€805€457▼
Plant, machinery and equipment23€805€457▼
Current assets29/58€223k€200k▼
Amounts receivable within one year40/41€63k€27k▼
Trade receivables40€62k€27k▼
Other amounts receivable41€989€461▼
Current investments50/53€145k-
Cash at bank and in hand54/58€13k€172k▲
Deferred charges and accrued income490/1€2k€695▼
Equity and liabilities
Total equity and liabilities10/49€224k€200k▼
Equity10/15€194k€172k▼
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€30k€30k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€64k€42k▼
Amounts payable17/49€29k€28k▼
Amounts payable within one year42/48€29k€28k▼
Trade debts44€807€348▼
Suppliers440/4€807€348▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€25k€25k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€238€348▲
Other operating charges640/8€387€400▲
Gross operating margin9900€-22k€3k▲
Operating profit (loss)9901€-23k€3k▲
Financial income75/76B€4k€674▼
Recurring financial income75€4k€674▼
Financial charges65/66B€34€54▲
Recurring financial charges65€34€54▲
Profit (loss) for the period before taxes9903€-19k€3k▲
Profit (loss) for the period9904€-19k€3k▲
Profit (loss) for the period to be appropriated9905€-19k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€67k▼
Profit (loss) brought forward from the previous period14P€108k€64k▼
Profit to be distributed694/7€25k€25k=
Return on contributions (dividend)694€25k€25k=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €326 | - | - | €238 | €348 | ▲ 45.8% |
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €12k | €266k | €-22k | €-22k | €3k | ▲ 115% |
| Operating profit (loss)9901 | €11k | €266k | €-23k | €-23k | €3k | ▲ 111% |
| Financial income75/76B | - | - | €480 | €4k | €674 | ▼ 81.7% |
| Recurring financial income75 | - | - | €480 | €4k | €674 | ▼ 81.7% |
| Financial charges65/66B | €71 | €63 | €63 | €34 | €54 | ▲ 57.4% |
| Recurring financial charges65 | €71 | €63 | €63 | €34 | €54 | ▲ 57.4% |
| Profit (loss) for the period before taxes9903 | €11k | €266k | €-22k | €-19k | €3k | ▲ 117% |
| Income taxes67/77 | - | €56k | - | - | - | - |
| Profit (loss) for the period9904 | €11k | €210k | €-22k | €-19k | €3k | ▲ 117% |
| Profit (loss) for the period to be appropriated9905 | €11k | €210k | €-22k | €-19k | €3k | ▲ 117% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €182k | €388k | €244k | €224k | €200k | ▼ 10.5% |
| Fixed assets21/28 | - | - | - | €805 | €457 | ▼ 43.2% |
| Tangible fixed assets22/27 | - | - | - | €805 | €457 | ▼ 43.2% |
| Plant, machinery and equipment23 | - | - | - | €805 | €457 | ▼ 43.2% |
| Current assets29/58 | €182k | €388k | €244k | €223k | €200k | ▼ 10.4% |
| Amounts receivable within one year40/41 | €29k | €37k | €74k | €63k | €27k | ▼ 56.3% |
| Trade receivables40 | €29k | €33k | €74k | €62k | €27k | ▼ 56.3% |
| Other amounts receivable41 | - | €4k | - | €989 | €461 | ▼ 53.4% |
| Current investments50/53 | - | - | €130k | €145k | - | - |
| Cash at bank and in hand54/58 | €153k | €351k | €39k | €13k | €172k | ▲ 1,195% |
| Deferred charges and accrued income490/1 | - | - | €895 | €2k | €695 | ▼ 63.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €182k | €388k | €244k | €224k | €200k | ▼ 10.5% |
| Equity10/15 | €176k | €261k | €238k | €194k | €172k | ▼ 11.2% |
| Contributions10/11 | €100k | €100k | €100k | €100k | €100k | = |
| Capital10 | €100k | €100k | €100k | €100k | €100k | = |
| Issued capital100 | €100k | €100k | €100k | €100k | €100k | = |
| Reserves13 | €30k | €30k | €30k | €30k | €30k | = |
| Non-distributable reserves130/1 | €10k | €10k | €10k | €10k | €10k | = |
| Legal reserve130 | €10k | €10k | €10k | €10k | €10k | = |
| Distributable reserves133 | €20k | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €46k | €131k | €108k | €64k | €42k | ▼ 33.9% |
| Amounts payable17/49 | €6k | €127k | €6k | €29k | €28k | ▼ 5.9% |
| Amounts payable within one year42/48 | €6k | €127k | €6k | €29k | €28k | ▼ 5.9% |
| Trade debts44 | €2k | €2k | €1k | €807 | €348 | ▼ 56.9% |
| Suppliers440/4 | €2k | €2k | €1k | €807 | €348 | ▼ 56.9% |
| Taxes, remuneration and social security45 | €5k | - | €4k | €4k | €2k | ▼ 35.3% |
| Taxes450/3 | €5k | - | €4k | €4k | €2k | ▼ 35.3% |
| Other amounts payable47/48 | - | €125k | - | €25k | €25k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €210k | €-22k | €-19k | €3k | ▲ 117% |
| + Depreciation and write-downs630 | €326 | - | - | €238 | €348 | ▲ 45.8% |
| Operating cash flow (approximation) | €11k | €210k | €-22k | €-19k | €4k | ▲ 119% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €198k | €-311k | €-26k | €158k | ▲ 705% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 14current ratio 43.66
Current ratio from 3.06 to 43.66; short-term debt falls from €127k to €6k.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €210k ▲1,790%
Operating result €266k, net result €210k, both a record.
31-12
Financial
Equity above €200kEq €261k ▲48.4%
2 profitable years in a row build equity to €261k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Show earlier events
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Etterbeek · 1 establishment unit since 2015
Ground area
386 m²
Building footprint
148 m²
Volume, LiDAR
1,951 m³
Parcel 21005A0589/00T000, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Charmoz
since 20152.241.342.376
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0589/00T000 | Brussels | 386 m² | 1 · 148 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded25-03-2015
Fiscal year end31-12
Contact
Scores and ratios are computed by Checked and are not a credit decision.