Summary
Charolis 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 €57k and a net result of €43k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 8048 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
27 d late
2024
24 d early
2023
6 d early
2022
14 d early
2021
24 d late
2020
18 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, micro schema
Equity
€57k▼ 59.3%
2024 · €139k
2020: €73k
2021: €135k▲ +86.3% vs 2020
2022: €149k▲ +10.3% vs 2021highest in 6 years
2023: €93k▼ -37.6% vs 2022
2024: €139k▲ +49.2% vs 2023
2025: €57k▼ -59.3% vs 2024lowest in 6 years
2020 → 2025
Net result
€43k▼ 30.0%
2024 · €61k
2020: €63k
2021: €63k● +0.0% vs 2020highest in 6 years
2022: €14k▼ -77.8% vs 2021
2023: €-56k▼ -504% vs 2022lowest in 6 years
2024: €61k▲ +208% vs 2023
2025: €43k▼ -30.0% vs 2024
2020 → 2025
Total assets
€81k▼ 51.9%
2024 · €169k
2020: €105k
2021: €185k▲ +76.8% vs 2020highest in 6 years
2022: €160k▼ -13.6% vs 2021
2023: €120k▼ -25.1% vs 2022
2024: €169k▲ +40.6% vs 2023
2025: €81k▼ -51.9% vs 2024lowest in 6 years
2020 → 2025
Solvency
69.8%▼ 12.6pp
2024 · 82.4%
2020: 69.4%lowest in 6 years
2021: 73.1%▲ +5.4% vs 2020
2022: 93.2%▲ +27.6% vs 2021highest in 6 years
2023: 77.7%▼ -16.7% vs 2022
2024: 82.4%▲ +6.1% vs 2023
2025: 69.8%▼ -15.3% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k-€149k▲ 10.3%€93k▼ 37.6%€139k▲ 49.2%€57k▼ 59.3%
2021: €135k
2022: €149k▲ +10.3% vs 2021highest in 5 years
2023: €93k▼ -37.6% vs 2022
2024: €139k▲ +49.2% vs 2023
2025: €57k▼ -59.3% vs 2024lowest in 5 years
Operating result€82k-€22k▼ 72.9%€-55k€66k€55k▼ 16.8%
2021: €82khighest in 5 years
2022: €22k▼ -72.9% vs 2021
2023: €-55k▼ -351% vs 2022lowest in 5 years
2024: €66k▲ +220% vs 2023
2025: €55k▼ -16.8% vs 2024
Net result€63k-€14k▼ 77.8%€-56k€61k€43k▼ 30.0%
2021: €63khighest in 5 years
2022: €14k▼ -77.8% vs 2021
2023: €-56k▼ -504% vs 2022lowest in 5 years
2024: €61k▲ +208% vs 2023
2025: €43k▼ -30.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€9k ▼ 3.3%
Current assets
€72k ▼ 54.9%
Equity and liabilities €81k
Equity
€57k ▼ 59.3%
Debt
€25k ▼ 17.4%
Debt's share of the balance-sheet total rises from 17.6% to 30.2%. Equity and debt are lower.
Key figures and ratios
ROE
75.2%▲
2024 · 43.7%
ROA
52.5%▲
2024 · 36.0%
Debt ≤ 1 year
€24k▼
2024 · €30k
Income taxes
€12k▲
2024 · €5k
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€169k€81k▼
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€10k€9k▼
Plant, machinery and equipment23€2k€639▼
Furniture and vehicles24€8k€9k▲
Current assets29/58€159k€72k▼
Amounts receivable within one year40/41€22k€27k▲
Trade receivables40€15k€27k▲
Other amounts receivable41€7k€0▼
Cash at bank and in hand54/58€136k€45k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€169k€81k▼
Equity10/15€139k€57k▼
Contributions10/11€10k€10k=
Reserves13€83k€0▼
Distributable reserves133€83k€0▼
Profit (loss) carried forward14€46k€47k▲
Amounts payable17/49€30k€25k▼
Amounts payable within one year42/48€30k€24k▼
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€14k€10k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€15k€8k▼
Accrued charges and deferred income492/3-€600
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€631€883▲
Gross operating margin9900€69k€59k▼
Operating profit (loss)9901€66k€55k▼
Financial income75/76B€214€0▼
Recurring financial income75€214€0▼
Financial charges65/66B€229€454▲
Recurring financial charges65€229€454▲
Profit (loss) for the period before taxes9903€66k€55k▼
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€61k€43k▼
Profit (loss) for the period to be appropriated9905€61k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€88k▲
Profit (loss) brought forward from the previous period14P-€46k
Transfer from equity791/2€0€83k▲
Profit to be distributed694/7€15k€125k▲
Return on contributions (dividend)694€15k€125k▲
The notes to these accounts (6 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 | - | €238 | €935 | €2k | €3k | ▲ 46.8% |
| Other operating charges640/8 | €614 | €979 | €1k | €631 | €883 | ▲ 39.9% |
| Gross operating margin9900 | €82k | €23k | €-53k | €69k | €59k | ▼ 14.5% |
| Operating profit (loss)9901 | €82k | €22k | €-55k | €66k | €55k | ▼ 16.8% |
| Financial income75/76B | €0 | - | - | €214 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | - | - | €214 | €0 | ▼ 100% |
| Financial charges65/66B | €880 | €766 | €466 | €229 | €454 | ▲ 98.6% |
| Recurring financial charges65 | €880 | €766 | €466 | €229 | €454 | ▲ 98.6% |
| Profit (loss) for the period before taxes9903 | €81k | €21k | €-56k | €66k | €55k | ▼ 17.5% |
| Income taxes67/77 | €18k | €7k | €297 | €5k | €12k | ▲ 121% |
| Profit (loss) for the period9904 | €63k | €14k | €-56k | €61k | €43k | ▼ 30.0% |
| Profit (loss) for the period to be appropriated9905 | €63k | €14k | €-56k | €61k | €43k | ▼ 30.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185k | €160k | €120k | €169k | €81k | ▼ 51.9% |
| Fixed assets21/28 | - | €3k | €2k | €10k | €9k | ▼ 3.3% |
| Tangible fixed assets22/27 | - | €3k | €2k | €10k | €9k | ▼ 3.3% |
| Plant, machinery and equipment23 | - | €3k | €2k | €2k | €639 | ▼ 61.7% |
| Furniture and vehicles24 | - | - | - | €8k | €9k | ▲ 8.8% |
| Current assets29/58 | €185k | €158k | €118k | €159k | €72k | ▼ 54.9% |
| Amounts receivable within one year40/41 | €44k | €704 | €13k | €22k | €27k | ▲ 22.1% |
| Trade receivables40 | €43k | €0 | €13k | €15k | €27k | ▲ 79.6% |
| Other amounts receivable41 | €2k | €704 | €0 | €7k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €139k | €155k | €104k | €136k | €45k | ▼ 67.0% |
| Deferred charges and accrued income490/1 | €2k | €2k | €1k | €1k | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185k | €160k | €120k | €169k | €81k | ▼ 51.9% |
| Equity10/15 | €135k | €149k | €93k | €139k | €57k | ▼ 59.3% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €125k | €139k | €83k | €83k | €0 | ▼ 100% |
| Distributable reserves133 | €125k | €139k | €83k | €83k | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | - | - | €46k | €47k | ▲ 1.8% |
| Amounts payable17/49 | €50k | €11k | €27k | €30k | €25k | ▼ 17.4% |
| Amounts payable within one year42/48 | €50k | €11k | €27k | €30k | €24k | ▼ 19.5% |
| Trade debts44 | €654 | €1k | €3k | €1k | €6k | ▲ 408% |
| Suppliers440/4 | €654 | €1k | €3k | €1k | €6k | ▲ 408% |
| Taxes, remuneration and social security45 | €44k | €7k | €15k | €14k | €10k | ▼ 27.3% |
| Taxes450/3 | €44k | €7k | €13k | €14k | €10k | ▼ 27.3% |
| Remuneration and social security454/9 | - | - | €2k | €0 | - | - |
| Other amounts payable47/48 | €5k | €2k | €9k | €15k | €8k | ▼ 46.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | €600 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63k | €14k | €-56k | €61k | €43k | ▼ 30.0% |
| + Depreciation and write-downs630 | - | €238 | €935 | €2k | €3k | ▲ 46.8% |
| Operating cash flow (approximation) | €63k | €14k | €-55k | €63k | €46k | ▼ 27.5% |
| Investment in fixed assets (approximation) | - | - | €0 | €-10k | €-3k | ▲ 73.9% |
| Change in cash | - | €16k | €-51k | €32k | €-91k | ▼ 388% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
31-12
Financial
Equity above €100kEq €139k ▲49.2%
Equity rises from €93k to €139k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 14.56
Current ratio from 3.72 to 14.56; short-term debt falls from €50k to €11k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2020net €63k ▲0%
Net result €63k, the highest in the series.
31-12
Financial
Equity above €100kEq €135k ▲86.3%
2 profitable years in a row build equity to €135k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2019
Ground area
197 m²
Building footprint
88 m²
Volume, LiDAR
905 m³
Parcel 11303C0205/00G002, Flanders · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Charolis
since 20192.293.616.171
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0205/00G002 | Flanders | 197 m² | 1 · 88 m² | 13.1 m · 4 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.
Similar companies · same sector, comparable size
COCO & CO
BE 0735.947.215
Schilde · Eq €56,629
Loose Ends
BE 1001.707.617
Gent · Eq €56,618
DENDOOVEN J
BE 0663.534.042
Brugge · Eq €56,661
GiBo
BE 0644.773.549
Zedelgem · Eq €56,667
LD Ventures
BE 1000.285.972
Knokke-Heist · Eq €56,598
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 10,807 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.