Chartedien
ActiveThe computed 12-month bankruptcy probability of Chartedien is 3.2% (moderate). The 2025 annual accounts show equity of €29k and a net result of €10k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 6967 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
Score 2025
78
/ 100
Excellent▲ +43 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency57▼-14
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.43 in 2024), and 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
31.3%
Return on assets
11.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
283 d late
2022
438 d late
2021
11 d late
2020
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 25.4%
2024 · €39k
2020: €9k
2021: €13k
2022: €39k
2023: €51k
2024: €39k
2020 → 2025
Total assets
€92k▼ 5.4%
2024 · €97k
2020: €13k
2021: €109k
2022: €88k
2023: €135k
2024: €97k
2020 → 2025
Net result
€10k
2024 · €-12k
2020: €-1k
2021: €4k
2022: €37k
2023: €16k
2024: €-12k
2020 → 2025
Working capital
€20k▼ 12.2%
2024 · €23k
2020: €9k
2021: €-10k
2022: €-11k
2023: €17k
2024: €23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€39k▲ 207%€51k▲ 30.4%€39k▼ 24.4%€29k▼ 25.4%
Operating result€5k-€46k▲ 868%€24k▼ 48.1%€-9k€19k
Net result€4k-€37k▲ 801%€16k▼ 56.5%€-12k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€10k▼ 50.3%
Current assets
€82k▲ 6.6%
Equity and liabilities €92k
Equity
€29k▼ 25.4%
Debt
€63k▲ 7.7%
The debt ratio rises from 60.3% to 68.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€33k▲
2024 · €5k
Cash flow
€24k▲
2024 · €2k
Solvency
31.3%▼
2024 · 39.7%
Current ratio
1.33▼
2024 · 1.43
Quick ratio
0.94▼
2024 · 0.95
Debt / equity
2.19▲
2024 · 1.52
ROE
35.4%▲
2024 · -32.3%
ROA
11.1%▲
2024 · -12.8%
Interest coverage
8.10▲
2024 · 1.20
Debt
€63k▲
2024 · €59k
Debt ≤ 1 year
€62k▲
2024 · €54k
Income taxes
€5k▲
2024 · €0
Staff costs
€86k▲
2024 · €78k
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€97k€92k▼
Fixed assets21/28€21k€10k▼
Intangible fixed assets21€10k€3k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€9k€3k▼
Furniture and vehicles24-€3k
Other tangible fixed assets26€1k€936▼
Current assets29/58€77k€82k▲
Stocks and contracts in progress3€25k€24k▼
Stocks30/36€25k€24k▼
Amounts receivable within one year40/41€11k€11k▲
Trade receivables40€6k€9k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€24k€33k▲
Deferred charges and accrued income490/1€17k€13k▼
Equity and liabilities
Total equity and liabilities10/49€97k€92k▼
Equity10/15€39k€29k▼
Contributions10/11€10k€10k=
Reserves13€29k€19k▼
Distributable reserves133€29k€19k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€59k€63k▲
Amounts payable within one year42/48€54k€62k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€22k€20k▼
Suppliers440/4€22k€20k▼
Taxes, remuneration and social security45€27k€21k▼
Taxes450/3€22k€15k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€4k€20k▲
Accrued charges and deferred income492/3€5k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€78k€86k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€1k€3k▲
Gross operating margin9900€86k€124k▲
Operating profit (loss)9901€-9k€19k▲
Financial income75/76B€687€238▼
Recurring financial income75€687€238▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-12k€15k▲
Income taxes67/77€0€5k▲
Profit (loss) for the period9904€-12k€10k▲
Profit (loss) for the period to be appropriated9905€-12k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€10k▲
Transfer from equity791/2€12k€10k▼
Profit to be distributed694/7€0€20k▲
Return on contributions (dividend)694-€20k
Directors or managers695€0-
The notes to these accounts (9 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 283 days late
2024
30-09
Financial
Weakest financial yearnet €-12k ▼178%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 438 days late
2022
30-09
Financial
Highest result since 2020net €37k ▲801%
Operating result €46k, net result €37k, both a record.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
19-03
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.
Directors · office · real estate
Directors
2 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, Anzegem · 1 establishment unit since 2021
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.
Wortegemsesteenweg 548570 AnzegemGround area
522 m²
Building footprint
258 m²
Volume, LiDAR
1,231 m³
Parcel 34002C0394/00M000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Noorman
since 20212.317.006.831
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34002C0394/00M000 | Flanders | 522 m² | 1 · 258 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnzegem2.317.006.831
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Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-2019
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.