Summary
Cherito 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 €5.3m and a net result of €1.7m. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 5587 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-06-2026, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
37 d early
2024
44 d early
2023
26 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed 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 24 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 company by total assets in Boechout, Finance and insurance sector#5 company by equity in Boechout, Finance and insurance sector
Equity
€5.3m▲ 47.0%
2024 · €3.6m
Net result
€1.7m▲ 319%
2024 · €403,908
Total assets
€13.8m▲ 35.2%
2024 · €10.2m
Solvency
38.4%▲ 3.1pp
2024 · 35.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€220,668-€313,033▲ 41.9%€271,340▼ 13.3%
Net result€3.2mabove the sector's middle half-€403,908above the sector's middle half▼ 87.3%€1.7mabove the sector's middle half▲ 319%
Equity€3.2mabove the sector's middle half-€3.6mabove the sector's middle half▲ 12.6%€5.3mabove the sector's middle half▲ 47.0%
Total assets€10.1mabove the sector's middle half-€10.2mabove the sector's middle half▲ 0.6%€13.8mabove the sector's middle half▲ 35.2%
Debt€6.9m-€6.6m▼ 4.9%€8.5m▲ 28.8%
Working capital-€321,509below the sector's middle half--€51,109within the sector's middle half▲ 84.1%€556,283above the sector's middle half
Solvency31.6%within the sector's middle half-35.3%within the sector's middle half▲ 3.8pp38.4%within the sector's middle half▲ 3.1pp
Current ratio0.24below the sector's middle half-0.88within the sector's middle half▲ 0.641.76within the sector's middle half▲ 0.88
Return on assets (ROA)31.5%above the sector's middle half-4.0%within the sector's middle half▼ 27.5pp12.3%above the sector's middle half▲ 8.3pp
Staff (FTE)0within the sector's middle half-0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.8m
Fixed assets
€12.5m ▲ 27.4%
Current assets
€1.3m ▲ 246%
Equity and liabilities €13.8m
Equity
€5.3m ▲ 47.0%
Debt
€8.5m ▲ 28.8%
Debt's share of the balance-sheet total falls from 64.7% to 61.6%. Equity and debt are higher.
Key figures and ratios
ROE
32.0%▲
2024 · 11.2%
Debt ≤ 1 year
€735,959▲
2024 · €424,544
Debt > 1 year
€7.8m▲
2024 · €6.2m
Income taxes
€20,865▲
2024 · €15,634
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €190,463 | €161,562 | €162,718 | ▲ 0.7% |
| Other operating charges640/8 | €2,533 | €832 | €1,455 | ▲ 74.9% |
| Non-recurring operating charges66A | €34,344 | €0 | €986 | - |
| Gross operating margin9900 | €448,007 | €475,427 | €436,500 | ▼ 8.2% |
| Operating profit (loss)9901 | €220,668 | €313,033 | €271,340 | ▼ 13.3% |
| Financial income75/76B | €3.3m | €300,000 | €1.6m | ▲ 445% |
| Recurring financial income75 | €3.3m | €300,000 | €1.6m | ▲ 445% |
| Financial charges65/66B | €279,426 | €193,490 | €195,416 | ▲ 1.0% |
| Recurring financial charges65 | €279,426 | €193,490 | €195,416 | ▲ 1.0% |
| Profit (loss) for the period before taxes9903 | €3.2m | €419,542 | €1.7m | ▲ 308% |
| Income taxes67/77 | - | €15,634 | €20,865 | ▲ 33.5% |
| Profit (loss) for the period9904 | €3.2m | €403,908 | €1.7m | ▲ 319% |
| Profit (loss) for the period to be appropriated9905 | €3.2m | €403,908 | €1.7m | ▲ 319% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €10.1m | €10.2m | €13.8m | ▲ 35.2% |
| Formation expenses20 | €49,336 | €36,986 | €24,636 | ▼ 33.4% |
| Fixed assets21/28 | €10.0m | €9.8m | €12.5m | ▲ 27.4% |
| Tangible fixed assets22/27 | €3.6m | €3.5m | €3.4m | ▼ 3.1% |
| Land and buildings22 | €3.6m | €3.5m | €3.3m | ▼ 4.3% |
| Plant, machinery and equipment23 | - | - | €6,053 | - |
| Furniture and vehicles24 | - | €4,835 | €2,804 | ▼ 42.0% |
| Assets under construction and advance payments27 | - | - | €37,664 | - |
| Financial fixed assets28 | €6.4m | €6.3m | €9.1m | ▲ 44.1% |
| Current assets29/58 | €99,123 | €373,435 | €1.3m | ▲ 246% |
| Amounts receivable within one year40/41 | €8,634 | €0 | €74,852 | - |
| Trade receivables40 | €6,416 | €0 | €28,217 | - |
| Other amounts receivable41 | €2,218 | €0 | €46,635 | - |
| Current investments50/53 | - | - | €850,000 | - |
| Cash at bank and in hand54/58 | €90,490 | €373,435 | €367,328 | ▼ 1.6% |
| Deferred charges and accrued income490/1 | - | - | €62 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €10.1m | €10.2m | €13.8m | ▲ 35.2% |
| Equity10/15 | €3.2m | €3.6m | €5.3m | ▲ 47.0% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €3.2m | €3.6m | €5.3m | ▲ 47.0% |
| Distributable reserves133 | €3.2m | €3.6m | €5.3m | ▲ 47.0% |
| Amounts payable17/49 | €6.9m | €6.6m | €8.5m | ▲ 28.8% |
| Amounts payable after more than one year17 | €6.5m | €6.2m | €7.8m | ▲ 25.7% |
| Financial debts170/4 | €6.5m | €6.2m | €7.8m | ▲ 25.7% |
| Amounts payable within one year42/48 | €420,633 | €424,544 | €735,959 | ▲ 73.4% |
| Current portion of amounts payable after more than one year42 | €330,892 | €342,757 | €612,698 | ▲ 78.8% |
| Trade debts44 | €56,699 | €50,371 | €71,743 | ▲ 42.4% |
| Suppliers440/4 | €56,699 | €50,371 | €71,743 | ▲ 42.4% |
| Taxes, remuneration and social security45 | €14,389 | €30,668 | €50,129 | ▲ 63.5% |
| Taxes450/3 | €14,389 | €30,668 | €50,129 | ▲ 63.5% |
| Other amounts payable47/48 | €18,654 | €749 | €1,389 | ▲ 85.5% |
| Accrued charges and deferred income492/3 | - | - | €2,813 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.2m | €403,908 | €1.7m | ▲ 319% |
| + Depreciation and write-downs630 | €190,463 | €161,562 | €162,718 | ▲ 0.7% |
| Operating cash flow (approximation) | €3.4m | €565,470 | €1.9m | ▲ 228% |
| Investment in fixed assets (approximation) | - | €35,338 | -€2.8m | ▼ 8,157% |
| Change in cash | - | €282,946 | -€6,108 | ▼ 102% |
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
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €5mEq €5.3m ▲47%
3 profitable years in a row build equity to €5.3m.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €403,908 ▼87.3%
Net result drops to €403,908, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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.
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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, Boechout · 1 establishment unit since 2022
Ground area
265 m²
Building footprint
265 m²
Volume, LiDAR
960 m³
Parcel 11047A0130/00G000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Cherito
since 20222.338.914.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11047A0130/00G000 | Flanders | 265 m² | 1 · 265 m² | 6.2 m · 1 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.
Structure & network
Owners and holdings
3 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 3
-
50%
- Sourceown accounts 202533.33%
-
33.33%
According to the 2025 annual accounts of Cherito and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 7,971 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
Founded06-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68204Real estate activities
70100Activities of head offices
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0790468737
Also
9925:BE0790468737
Registered
18-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.