Charrell Home Interiors
ActiveCharrell Home Interiors has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.84M and a net result of €329k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 630 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-2
Solvency86▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.54 in 2024; short-term debt: 33.4% and cash: 21.9% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
60.6%
Return on assets
7%
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
on the day
2023
29 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.84M▲ 1.9%
2024 · €2.79M
2018: €569k
2019: €867k
2020: €1.06M
2021: €1.51M
2022: €1.95M
2023: €2.41M
2024: €2.79M
2018 → 2025
Total assets
€4.69M▲ 0.6%
2024 · €4.66M
2018: €1.89M
2019: €2.04M
2020: €2.75M
2021: €2.98M
2022: €3.88M
2023: €4.33M
2024: €4.66M
2018 → 2025
Net result
€329k▼ 19.2%
2024 · €407k
2018: €129k
2019: €302k
2020: €621k
2021: €630k
2022: €684k
2023: €950k
2024: €407k
2018 → 2025
Working capital
€2.30M▼ 0.1%
2024 · €2.30M
2018: €416k
2019: €749k
2020: €925k
2021: €1.36M
2022: €1.73M
2023: €2.08M
2024: €2.30M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.51M-€1.95M▲ 28.9%€2.41M▲ 23.8%€2.79M▲ 15.7%€2.84M▲ 1.9%
Operating result€918k-€950k▲ 3.4%€1.29M▲ 36.0%€562k▼ 56.5%€489k▼ 12.9%
Net result€630k-€684k▲ 8.7%€950k▲ 38.8%€407k▼ 57.1%€329k▼ 19.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.69M
Fixed assets
€825k▼ 4.6%
Current assets
€3.87M▲ 1.8%
Equity and liabilities €4.69M
Equity
€2.84M▲ 1.9%
Debt
€1.85M▼ 1.4%
The debt ratio falls from 40.2% to 39.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€669k▼
2024 · €714k
Cash flow
€509k▼
2024 · €560k
Solvency
60.6%▲
2024 · 59.8%
Current ratio
2.47▼
2024 · 2.54
Quick ratio
1.34▼
2024 · 1.43
Debt / equity
0.65▼
2024 · 0.67
ROE
11.6%▼
2024 · 14.6%
ROA
7.0%▼
2024 · 8.7%
Interest coverage
18.01▲
2024 · 15.58
Debt
€1.85M▼
2024 · €1.87M
Debt ≤ 1 year
€1.57M▲
2024 · €1.50M
Debt > 1 year
€280k▼
2024 · €377k
Income taxes
€160k▲
2024 · €137k
Staff costs
€1.05M▲
2024 · €922k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.66M€4.69M▲
Fixed assets21/28€864k€825k▼
Intangible fixed assets21€38k€95k▲
Tangible fixed assets22/27€827k€729k▼
Plant, machinery and equipment23€10k€25k▲
Furniture and vehicles24€51k€60k▲
Leasing and similar rights25€42k€32k▼
Other tangible fixed assets26€724k€613k▼
Current assets29/58€3.80M€3.87M▲
Stocks and contracts in progress3€1.66M€1.77M▲
Stocks30/36€1.66M€1.77M▲
Amounts receivable within one year40/41€784k€912k▲
Trade receivables40€757k€832k▲
Other amounts receivable41€27k€80k▲
Current investments50/53€101k€102k▲
Cash at bank and in hand54/58€1.22M€1.03M▼
Deferred charges and accrued income490/1€36k€55k▲
Equity and liabilities
Total equity and liabilities10/49€4.66M€4.69M▲
Equity10/15€2.79M€2.84M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€2.69M€2.74M▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€295k€295k=
Distributable reserves133€2.39M€2.44M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.87M€1.85M▼
Amounts payable after more than one year17€377k€280k▼
Financial debts170/4€377k€280k▼
Amounts payable within one year42/48€1.50M€1.57M▲
Current portion of amounts payable after more than one year42€94k€97k▲
Trade debts44€398k€551k▲
Suppliers440/4€398k€551k▲
Advances received on contracts in progress46€703k€590k▼
Taxes, remuneration and social security45€275k€302k▲
Taxes450/3€186k€197k▲
Remuneration and social security454/9€89k€105k▲
Other amounts payable47/48€28k€28k▼
Accrued charges and deferred income492/3€0€353▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€922k€1.05M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€152k€180k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€8k€9k▲
Gross operating margin9900€1.64M€1.73M▲
Operating profit (loss)9901€562k€489k▼
Financial income75/76B€28k€37k▲
Recurring financial income75€28k€37k▲
Financial charges65/66B€46k€37k▼
Recurring financial charges65€46k€37k▼
Profit (loss) for the period before taxes9903€544k€489k▼
Income taxes67/77€137k€160k▲
Profit (loss) for the period9904€407k€329k▼
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€407k€329k▼
Appropriation of the result
Profit (loss) to be appropriated9906€407k€329k▼
Transfer from equity791/2€0€248k▲
Transfer to equity691/2€379k€301k▼
To other reserves6921€379k€301k▼
Profit to be distributed694/7€28k€276k▲
Return on contributions (dividend)694€0€248k▲
Other beneficiaries697€28k€28k▼
Social balance
Average headcount (FTE)908715.116.9▲
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €950k ▲38.8%
Operating result €1.29M, net result €950k, both a record.
31-12
Financial
Equity above €2MEq €2.41M ▲23.8%
6 profitable years in a row build equity to €2.41M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Equity above €1MEq €1.06M ▲22.8%
3 profitable years in a row build equity to €1.06M.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 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, Geel · 2 establishment units since 2009
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.
Vossendaal 10D/E/F2440 GeelGround area
6.6 ha
Building footprint
2.7 ha
Volume, LiDAR
29,086 m³
2 parcels, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Charrell Home Interiors
since 20092.182.173.663
Charrell Home Interiors
since 20132.224.592.654
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375M0234/00L002 | Flanders | 5.8 ha | 1 · 2.3 ha | - |
| 13375M1188/00T000 | Flanders | 8,892 m² | 1 · 3,986 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 11,425 EUR awarded · 11,425 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,590 EUR | 4,590 EUR |
| 2024 | 2 | 3,955 EUR | 6,835 EUR |
| 2023 | 1 | 2,880 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 1,236 companies in sector 74140 we hold annual accounts for 353. 79 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-10-2009
Fiscal year end31-12
Activities, NACEBEL
46471Wholesale trade
74109Other professional, scientific and technical activities
74140Other specialised design activities
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.charell.be
E-mail:info@charell.be