Financials
- Fiscal year
- 2025
- Total assets
- €7,061
- Loss
- -€4,098
- Solvency
- -351.3%
Total assets▼ 21.2%
Net result
20182025
CHARVAL
ActiveSummary
The computed 12-month bankruptcy probability of CHARVAL is 1.9% (moderate). The 2025 annual accounts show negative equity (-€24,803) and a net result of -€4,098. Equity is shrinking by ~36.3% per year across the filed fiscal years. The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Activity not known
Size
€7,061total assets 2025
- Equity
- -€24,803
- Loss
- -€4,098
Turnover not published (abridged schema)
Structure
Accounts 31 d early0 of 1 deed read
Why 51- Loss of €4,098, the second in a row (FY 2025)- Negative equity -€24,803- No main activity registered+ Size: total assets €7,061Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 8% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -351.3% of total assets
Liquidity
0=
short-term debt 451.3%
Profitability
4+2
return on assets -58.0%
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 4 months
07-2026: 1.9%highest value
08-2026: 1.9%● 0.0% vs 07-2026highest value
09-2026: 1.9%● 0.0% vs 08-2026highest value
10-2026: 1.9%● 0.0% vs 09-2026highest value
- Size: total assets €7,061 lowers the probability for this profile
- Loss of €4,098, the second in a row (FY 2025) raises the probability
- Negative equity -€24,803 raises the probability
- No main activity registered raises the probability
No credit on open account
Liquidity short (current ratio 0.2 against 0.18 in 2024; short-term debt: 451.3% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 5%, liquidity 1%, profitability 10%, growth against the median 17%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192022232425
2018 to 2025 · latest year -€24,803
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
29 d late
2023
16 d late
2022
140 d late
2020
61 d late
2019
4 d late
2018
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 36 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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. Usually files around 29 August (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€6,228
Key points
By topic
Timeline
- Events
- 12
- Since
- 2016
- Next accounts
- by 31-07-2027
- 30-06-2026Annual accounts filed
- 29-08-2025Annual accounts filed
- 31-12-2024Weakest financial year
Company details
- Legal form
- Limited partnership
- Founded
- 14-10-2008
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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