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CHARTA

Active
Private limited companyfounded 1992active for 33 yearsRue des Poiriers, Sauv. 10, 5030 Gembloux, BelgiumKBO/BCE: BE 0448.682.507
Summary

CHARTA has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74,612 and a net result of €28,523. Equity is growing by about 33% per year across the filed financial years. Its solvency ranks better than 25% of 146 sector peers (NACE 20, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Activity
Manufacture of chemicals and chemical products
NACE 20130Manufacture of basic pharmaceutical products and pharmaceutical preparations NACE 21201
#7 oldest company in the province of Namur, Chemicals sector1 site
Size
€422,145total assets 2025
Equity
€74,612
Profit
€28,523
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
Accounts filed 31 days late0 of 1 deed read
Why 89raises riskLatest accounts 31 days late; 1 of the last 3 lateEquity €74,612 (17.7% of total assets)lowers riskFounded in 1992Size: total assets €422,145Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 68% of its sector peers (NACE 20, micro)
Financial strength · tick = 2024
Strong
Solvency 43+6
equity 17.7% of total assets
Liquidity 65-4
short-term debt 12.5% · cash 13.5%
Profitability 77-16
return on assets 6.8%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (355 companies, NACE 20, micro)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.6%▼ -0.1 percentage points vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.8%▲ +0.2 percentage points vs 06-2025 08-2025: 1.0%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 0.3%▼ -0.7 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.2%▼ -0.1 percentage points vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026lowest value 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026 09-2026: 0.3%▼ -0.2 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.11, compared with 2.01 in 2024; short-term debt: 12.5% and cash: 13.5% of total assets), but 82.3% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 20, micro): better than 36% on solvency, 70% on liquidity, 73% on profitability and 93% on growth.

The bankruptcy probability was computed on 10-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Founded in 1992
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
lowers risk · Size: total assets €422,145
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €74,612 (17.7% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 146 sector peers (2025).
NBB · sector comparison
Position among 146 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
22 days late
2023
30 days late
2022
226 days late
2021
372 days late
2020
655 days late
2019
59 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 182 days after the deadline; the sector median (NACE 20) for financial year 2024 is 22 days before the deadline, and 27% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 filed years within 195 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Highest result from 2018 to 2025net €74,193 ▲73.5%

Key points

  • Positive: Oldest company in the province of Namur, Chemicals…in the Checked rankings #7 View
  • Positive: 8 profitable years in a rowprofit 2025: €28,523 8 years View
  • Active since 1992founded 26-11-1992 33 years View

By topic

Financials

Financial year
2025
Total assets
€422,145
Profit
€28,523
Solvency
17.7%
Turnover▼ 5.9%
Net result
20182022
Go to Financials

Timeline

Events
35
Since
1994
Next accounts
by 31-07-2027
  1. 31-12-2024Liquidity more than quadruples
  2. 30-08-2024Annual accounts filed
  3. 13-03-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Manufacture of chemicals and chemical productsNACE 20130
Founded
26-11-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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