La Charmille

Active

Non-profit associationfounded 197650 yrs activeRue des Vignobles(THI) 2, 6230 Pont-à-Celles, BelgiumKBO/BCE: BE 0416.116.637

La Charmille has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €-185k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

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Checked score

Score 2025

3 / 100

Critical▲ +3 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability1▼-33

Solvency2▼-31

Growth36▼-3

Stability100

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.53 against 0.46 in 2024), and 98.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 87

Relative position

BE, all sectors

reference

Sector 87

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 529 sector peers (2025).

NBB · sector comparison

Position among 529 sector peers

Solvency

better than 15%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

24 d early

2024

6 d early

2023

20 d early

2022

23 d late

2021

31 d late

2020

9 d early

2019

189 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€4.20M▲ 0.4%

2024 · €4.18M

2023: €3.97M 2024: €4.18M

2023 → 2025

EBIT margin

-4.7%▲ 0.5pp

2024 · -5.2%

2023: -4.7% 2024: -5.2%

2023 → 2025

Net result

€-185k▲ 0.8%

2024 · €-187k

2018: €21k 2019: €-9k 2020: €5k 2021: €767 2022: €-50k 2023: €-117k 2024: €-187k

2018 → 2025

Working capital

€-1.40M▼ 56.8%

2024 · €-896k

2018: €-519k 2019: €-538k 2020: €-440k 2021: €-407k 2022: €-163k 2023: €-707k 2024: €-896k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€3.97M€4.18M▲ 5.2%€4.20M▲ 0.4%

Equity€185k-€122k▼ 33.9%€-7k€-186k▼ 2,447%€67k

Operating result€17k-€-37k€-188k▼ 410%€-217k▼ 15.5%€-197k▲ 9.0%

Net result€767-€-50k€-117k▼ 134%€-187k▼ 59.8%€-185k▲ 0.8%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €197k in 2025 against €217k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €3.65M

56.3%

43.7%

Fixed assets €2.06M▲ 53.1%

Current assets €1.60M▲ 107%

Equity and liabilities €3.65M

97.7%

Equity €67k

Provisions €17k

Debt €3.57M

Debt finances 97.7% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-82k▲

2024 · €-131k

Cash flow

€-70k▲

2024 · €-101k

Solvency

1.8%▲

2024 · -8.8%

Current ratio

0.53▲

2024 · 0.46

Quick ratio

0.53▲

2024 · 0.46

Debt / equity

53.42▲

2024 · -12.27

ROE

-277.1%▼

2024 · 100.3%

ROA

-5.1%▲

2024 · -8.8%

Interest coverage

-8.52▲

2024 · -12.94

Debt

€3.57M▲

2024 · €2.28M

Debt ≤ 1 year

€3.00M▲

2024 · €1.67M

Debt > 1 year

€487k▼

2024 · €531k

Income taxes

€0▼

2024 · €826

Staff costs

€4.49M▲

2024 · €4.43M

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€2.11M€3.65M▲

Fixed assets21/28€1.34M€2.06M▲

Intangible fixed assets21€0-

Tangible fixed assets22/27€1.34M€2.05M▲

Land and buildings22€1.05M€1.55M▲

Plant, machinery and equipment23€2k€3k▲

Furniture and vehicles24€68k€215k▲

Assets under construction and advance payments27€223k€283k▲

Financial fixed assets28€500€500=

Current assets29/58€771k€1.60M▲

Amounts receivable within one year40/41€630k€1.17M▲

Trade receivables40€334k€357k▲

Other amounts receivable41€297k€812k▲

Cash at bank and in hand54/58€121k€403k▲

Deferred charges and accrued income490/1€19k€26k▲

Equity and liabilities

Total equity and liabilities10/49€2.11M€3.65M▲

Equity10/15€-186k€67k▲

Contributions10/11€167k€167k=

Capital10€167k€167k=

Reserves13€43k€43k=

Profit (loss) carried forward14€-480k€-665k▼

Investment grants15€85k€523k▲

Provisions and deferred taxes16€17k€17k=

Provisions for liabilities and charges160/5€17k€17k=

Pensions and similar obligations160€17k€17k=

Amounts payable17/49€2.28M€3.57M▲

Amounts payable after more than one year17€531k€487k▼

Financial debts170/4€531k€487k▼

Amounts payable within one year42/48€1.67M€3.00M▲

Current portion of amounts payable after more than one year42€56k€44k▼

Trade debts44€196k€205k▲

Suppliers440/4€196k€205k▲

Taxes, remuneration and social security45€752k€641k▼

Taxes450/3€121k€123k▲

Remuneration and social security454/9€631k€518k▼

Accrued charges and deferred income492/3€85k€81k▼

Income statement Code20242025

Turnover70€4.18M€4.20M▲

Goods, raw materials, services and sundry goods60/61€1.48M€1.42M▼

Remuneration, social security and pensions62€4.43M€4.49M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€115k▲

Other operating charges640/8€274k€201k▼

Non-recurring operating charges66A€55k€19k▼

Gross operating margin9900€4.64M€4.63M▼

Operating profit (loss)9901€-217k€-197k▲

Financial income75/76B€41k€22k▼

Recurring financial income75€14k€15k▲

Non-recurring financial income76B€27k€7k▼

Financial charges65/66B€10k€10k▼

Recurring financial charges65€10k€10k▼

Profit (loss) for the period before taxes9903€-186k€-185k▲

Income taxes67/77€826€0▼

Profit (loss) for the period9904€-187k€-185k▲

Profit (loss) for the period to be appropriated9905€-187k€-185k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-480k€-665k▼

Profit (loss) brought forward from the previous period14P€-294k€-480k▼

Social balance

Average headcount (FTE)908769.767.2▼

The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 3Gazette 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-09

State Gazette act General meeting · Statutes amendment

General meeting · Statutes amendment · Corporate purpose21 facts ▸

General meeting, 2026-06-11
Statutes amendment
Corporate purpose, L'Association a pour but la promotion, la construction, l'acquisition, l'organisation et la gestion de toutes maisons de repos, maisons de repos et de soins, ce…
Member resignation, DEHAME Pierre
Member resignation, GRAUX Pascal
Director resignation, DEHAME Pierre
Director resignation, GRAUX Pascal
Board composition, administrateur, 2026-06-11
Board composition, administrateur, 2026-06-11
Board composition, administrateur, 2026-06-11
Board composition, administrateur, 2026-06-11
Board composition, administrateur, 2026-06-11
+9 further facts in this act

07-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

30-03

State Gazette act Resignations & appointments

Board meeting · Board resolution2 facts ▸

Board meeting, 11/12/2025
Board resolution, Adoption des délégations de pouvoirs de décision, de gestion, de représentation et de signatures

2025

25-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Weakest financial yearnet €-187k

Net result drops to €-187k, the lowest in the series; recovery starts the following year.

11-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

23-08

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 23 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 31 days late

2021

22-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

05-02

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 189 days late

2020

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

31-12

Financial Equity above €150kEq €197k ▲158%

Equity rises from €76k to €197k.

2019

29-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 29 days late

2018

23-08

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 23 days late

2017

17-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 17 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2026

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

11-06-2026 DEHAME Pierre: Resigned

11-06-2026 Graux Pascal: Resigned

Location & real-estate footprint

Registered office, Pont-à-Celles · 1 establishment unit since 1976

establishment The establishment unit on the map

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.

Rue des Vignobles(THI) 26230 Pont-à-Celles

Ground area

3,814 m²

Building footprint

50 m²