Turnover
≈ €81,000 estimated
The micro format states no turnover.
CharNic
Overview
Lifetime
1 annual account with figurespeak €16,934 (2025)
€16,934
peak €28,300 (2025)
€28,300
peak €48,300 (2025)
€48,300
€753,123
Board2 names since 2024
2 directorsDEBECKER Charlotte and 1 other
Documentsfilings and deeds
23-10-202684 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€753,123 94% of the balance sheet
Financial debts 68%Suppliers 4%Taxes and wages 1%Other 28%
Of this, €240,357 falls due within a year.
Position in the sector
6.0%
Lower solvency than 87% of companies in financial services. Sector median 50.9% · 9,770 companies.
2025 accounts filed 84 days after the deadlineFinancial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 84 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-10-2026, 84 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
84 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- MYLLE Nicolas Gaby Luc 50 sharesdeed of 19-08-2024
- DEBECKER Charlotte 50 sharesdeed of 19-08-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012497579
Incorporation
Founders: MYLLE Nicolas Gaby Luc and DEBECKER Charlotte · 100 shares · Appointments: MYLLE Nicolas Gaby Luc (director) and DEBECKER Charlotte (director) · published on 19-08-2024 · Gazette deed
First establishment
Spuistraat 21, Bornem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CharNic Bornem | €0.8m | €16,934 | 6.0% | - |
| Moochie Holding Waterloo | €0.9m | €18,843 | 35.1% | - |
| JUARVIC Chaudfontaine | €0.9m | €14,848 | -5.0% | - |
| DHG Holding Genk | €0.7m | €13,581 | 0.9% | - |
| Aditek Group Ravels | €1.1m | €19,586 | 3.5% | 0 |
| Maverickx Westerlo | €0.5m | €16,696 | 20.3% | - |
| KEWOLAR Zandhoven | €1.2m | €17,013 | -1.4% | - |
These companies have the same main activity as CharNic: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €538,000 and €1.2m, founded in 2024.
Official details
Source: KBO- Status
- Active since 14-08-2024Normal situation
- Activity
- Activities of holding companiesNACE 64210
- Establishment unit
- 2.363.077.9702880 Bornem, since 14-08-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 12-02-2025
Insights on CharNic
CharNic is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €48,300 and a net result of €28,300.
Its solvency ranks better than 13% of 9,770 sector peers (NACE 64, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-10-2026, 84 days late€48,300
€801,423
€28,300
6.0%
58.6%
3.5%
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance sheet
balance sheet total €801,423 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
6.0%
Higher than 13% of 9,770 companies in 2025.
3.5%
Higher than 32% of 9,624 companies in 2025.
CharNic
Middle half of the sector
80% of the sector
Micro accounts in financial services (NACE 64)
Net result: middle half · Equity: middle half · Balance sheet total: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
801,423 | |
21/28 |
638,810 | |
28 |
638,810 | |
29/58 |
162,613 | |
40/41 |
153,276 | |
40 |
0 | |
41 |
153,276 | |
54/58 |
7,810 | |
490/1 |
1,526 | |
| Balance sheet: equity and liabilities | ||
10/49 |
801,423 | |
10/15 |
48,300 | |
10/11 |
20,000 | |
14 |
28,300 | |
17/49 |
753,123 | |
17 |
512,766 | |
170/4 |
512,766 | |
42/48 |
240,357 | |
42 |
39,670 | |
44 |
26,510 | |
440/4 |
26,510 | |
45 |
6,567 | |
450/3 |
2,167 | |
454/9 |
4,400 | |
47/48 |
167,610 | |
| Income statement | ||
9900 |
16,934 | |
630 |
2,100 | |
640/8 |
120 | |
9901 |
14,714 | |
75/76B |
55,004 | |
75 |
55,004 | |
65/66B |
41,164 | |
65 |
41,164 | |
9903 |
28,554 | |
67/77 |
254 | |
9904 |
28,300 | |
9905 |
28,300 | |
| Appropriation of the result | ||
9906 |
28,300 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 84 days after the deadline. Filed on 23 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00566686.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-10-2026 | 2026-00566686 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 638,810 | ||
| 6.0% | ||
| 58.6% | ||
| 3.5% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €638,810 |
| €2,100 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on CharNic
Debt's share of the balance-sheet total is 94.0%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 14-08-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-10-2026
Director (not named in the articles)
since 14-08-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 19-08-2024
Mandates through the years
2 names, the dashed line is todayDEBECKER Charlotte
Director (not named in the articles)
Director (not named in the articles)
MYLLE Nicolas Gaby Luc
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DEBECKER Charlotte
- Director (not named in the articles), from 14-08-2024 to date
- MYLLE Nicolas Gaby Luc
- Director (not named in the articles), from 14-08-2024 to date
Control
Founders
This company
CharNic
Equity €48,300
Profit €28,300 in 2025
Capital
- Contribution
- €20,000
- Shares
- 100
- Contribution per share
- €200
- Equity per share
- €483 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 19-08-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00
Shareholders
At incorporation
deed of 19-08-2024 ↗
- MYLLE Nicolas Gaby Luc 50 shares (50%) · €10,000
- DEBECKER Charlotte 50 shares (50%) · €10,000
Network & group
No group
CharNic has no parent and no holdings in its annual accounts. CharNic shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 84 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1012497579
2024
IncorporationFounders: MYLLE Nicolas Gaby Luc and DEBECKER Charlotte · 100 shares · Appointments: MYLLE Nicolas Gaby Luc (director) and DEBECKER Charlotte (director) · published on 19-08-20245 points ▸
- Founder, MYLLE Nicolas Gaby Luc
- Founder, DEBECKER Charlotte
- 100 shares
- Director appointment, MYLLE Nicolas Gaby Luc (director (not named in the articles))
- Director appointment, DEBECKER Charlotte (director (not named in the articles))
- The deed holds 2 more points.
First establishment Spuistraat 21, Bornem
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1012.497.579
- VAT number
- BE 1012.497.579
- Peppol ID
- 0208:1012497579
- Other Peppol ID
- 9925:BE1012497579
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-08-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00deed of 19-08-2024 (in Dutch)
- Peppol
- Reachable since 12-02-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CharNic in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-08-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Spuistraat 21, 2880 Bornem”deed of 19-08-2024 (in Dutch)
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het uitbaten van een eetgelegenheid met volledige bediening in de meest ruime zin van het woord; Het uitbaten van een eetgelegenheid met…”deed of 19-08-2024 (in Dutch)
14 activities
- Het uitbaten van een eetgelegenheid met volledige bediening in de meest ruime zin van het woord.
- Het uitbaten van een eetgelegenheid met beperkte bediening,verkoop aan toog of levering ter plaatse in de meest ruime zin van het woord.
- Het leveren van catering in de meest ruime zin van het woord,zowel voor verkoop aan toog als event en party catering.
- De activiteiten van cafés en bars.
- Online verkoop van maaltijden(en eventueel andere items zoals merchandising/accessoires)+Takeaway.
- Het aankopen,verkopen,huren,verhuren,leasen,overdragen of ruilen en beheren en leveren van roerende goederen en onroerende goederen die rechtstreeks of onrechtstreeks met voormelde dienstverlening te maken hebben of die nuttig zijn voor de organisatie,begeleiding en reorganisatie van ondernemingen;
- Managementsactiviteiten van holdings:tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het vermogen,enz.
- Het voor eigen rekening in België of in het buitenland verwerven,beheren en beleggen van onroerend vermogen en al wat er mee verband houdt zoals het onderhouden,de ontwikkeling,de renovatie,het bouwen en verbouwen,het verhuren en leasen,de huurkoop,de financiële en operationele leasing,sale and lease back,de financiering in het algemeen,evenals het verkavelen,de aankoop en de verkoop van deze goederen;
- Het organiseren en het verwerken voor haar huurders van alle administratie in haar ruimste betekenis,voor zover dit rechtstreeks of onrechtstreeks verband houdt met de activiteiten van haar huurders;In het algemeen zal de vennootschap alle commerciële,industriële,financiële,roerende en onroerende handelingen mogen verrichten in rechtstreeks of onrechtstreeks verband met haar doel,die van aard zijn de verwezenlijkingen ervan te vergemakkelijken of uit te breiden en die daartoe noodzakelijk zijn,nuttig of zelfs alleen bevorderend zijn;
- De vennootschap mag daarenboven belangen nemen hetzij door deelneming,inbreng of op elke andere wijze in alle vennootschappen,ondernemingen,beroepsverenigingen;
- Het verwerven,beheren,valoriseren en cederen van alle roerende en onroerende goederen of rechten,onder gelijk welke vorm,zowel in volle eigendom,in naakte eigendom als in vruchtgebruik,zowel in binnen-en buitenland,met uitsluiting van handelingen als vastgoedmakelaar;Onroerende goederen verwerven,bouwen,opschikken,uitrusten en opbouwen;Haar onroerende goederen vervreemden met het oog op wederbelegging en opbrengst;Haar onroerende goederen in hypotheek stellen en al haar goederen in pand stellen en aval verlenen voor alle leningen,kredietopeningen en andere verbintenissen,zowel voor zichzelf als voor alle derden;
- De vennootschap werkt zowel voor eigen rekening als voor rekening van derden,zonder dat de hierboven vermelde opsomming beperkend kan worden opgevat;Zij mag rechtstreeks of onrechtstreeks deelnemen in alle ondernemingen die een gelijkaardig doel nastreven of waarvan het doel in nauw verband staat;
- Zij mag tevens de functies van bestuurder of vereffenaar uitoefenen;
- Zij mag zich ook borgstellen en alle persoonlijke of zakelijke waarborgen geven ten voordele van ieder persoon of vennootschap,gebonden of niet;Zij mag haar doel verwezenlijken,zowel in België als in het buitenland,op alle wijzen en manieren die zij het best geschikt acht.Bovenvermelde opsomming is niet beperkend zodat de vennootschap alle handelingen kan stellen die op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar maatschappelijk doel.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Spuistraat 21 registered office 2880 Bornem | 14-08-2024 | 2.363.077.970 |
Buildings and parcels at the address
- Ground area
- 1,829 m²
- Buildings
- 301 m²
- Volume, LiDAR
- 1,359 m³
- Tallest building
- 8.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12015D0224/00E000 | 1,829 m² | 1 · 301 m² | 8.0 m · 1 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.