Matthys Charlotte
ActiveSummary
Matthys Charlotte has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.59M and a net result of €379k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 75.21 against 31.04 in 2024; short-term debt: 1.3% and cash: 49% of total assets), and 3.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
96.2%
Return on assets
23%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 19-07-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
36 d early
2023
6 d late
2022
19 d early
2021
19 d late
2020
165 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.59M▲ 27.0%
2024 · €1.25M
2018: €407k
2019: €445k
2020: €452k
2021: €573k
2022: €637k
2023: €880k
2024: €1.25M
2018 → 2025
Total assets
€1.65M▲ 27.8%
2024 · €1.29M
2018: €546k
2019: €576k
2020: €686k
2021: €784k
2022: €686k
2023: €927k
2024: €1.29M
2018 → 2025
Net result
€379k▼ 6.7%
2024 · €406k
2018: €36k
2019: €38k
2020: €138k
2021: €121k
2022: €217k
2023: €309k
2024: €406k
2018 → 2025
Working capital
€1.54M▲ 27.5%
2024 · €1.21M
2018: €336k
2019: €393k
2020: €420k
2021: €556k
2022: €591k
2023: €825k
2024: €1.21M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€573k-€637k▲ 11.1%€880k▲ 38.2%€1.25M▲ 41.9%€1.59M▲ 27.0%
Operating result€176k-€316k▲ 79.4%€447k▲ 41.3%€575k▲ 28.8%€540k▼ 6.2%
Net result€121k-€217k▲ 79.0%€309k▲ 42.4%€406k▲ 31.3%€379k▼ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.65M
Fixed assets
€89k ▲ 109%
Current assets
€1.56M ▲ 25.0%
Equity and liabilities €1.65M
Equity
€1.59M ▲ 27.0%
Debt
€63k ▲ 53.5%
Debt's share of the balance-sheet total rises from 3.2% to 3.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€564k▼
2024 · €589k
Cash flow
€403k▼
2024 · €419k
Current ratio
75.21▲
2024 · 31.04
Debt to equity
0.04▲
2024 · 0.03
ROE
23.9%▼
2024 · 32.5%
ROA
23.0%▼
2024 · 31.5%
Interest coverage
350.57▼
2024 · 440.47
Debt ≤ 1 year
€21k▼
2024 · €40k
Debt > 1 year
€42k
Income taxes
€172k▼
2024 · €184k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.29M€1.65M▲
Fixed assets21/28€42k€89k▲
Tangible fixed assets22/27€42k€89k▲
Land and buildings22€28k€22k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€13k€10k▼
Leasing and similar rights25-€55k
Current assets29/58€1.25M€1.56M▲
Amounts receivable within one year40/41€27k€36k▲
Other amounts receivable41€27k€36k▲
Current investments50/53-€585k
Cash at bank and in hand54/58€1.15M€807k▼
Deferred charges and accrued income490/1€67k€132k▲
Equity and liabilities
Total equity and liabilities10/49€1.29M€1.65M▲
Equity10/15€1.25M€1.59M▲
Contributions10/11€12k€12k=
Reserves13€1.24M€1.57M▲
Distributable reserves133€1.24M€1.57M▲
Amounts payable17/49€41k€63k▲
Amounts payable after more than one year17-€42k
Financial debts170/4-€42k
Amounts payable within one year42/48€40k€21k▼
Current portion of amounts payable after more than one year42-€13k
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€36k-
Accrued charges and deferred income492/3€732-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€24k▲
Other operating charges640/8€840€1k▲
Gross operating margin9900€589k€565k▼
Operating profit (loss)9901€575k€540k▼
Financial income75/76B€16k€13k▼
Recurring financial income75€16k€13k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€590k€551k▼
Income taxes67/77€184k€172k▼
Profit (loss) for the period9904€406k€379k▼
Profit (loss) for the period to be appropriated9905€406k€379k▼
Appropriation of the result
Profit (loss) to be appropriated9906€406k€379k▼
Transfer from equity791/2€38k€42k▲
Transfer to equity691/2€406k€379k▼
To other reserves6921€406k€379k▼
Profit to be distributed694/7€38k€42k▲
Return on contributions (dividend)694€38k€42k▲
The notes to these accounts (10 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
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 75.21
Current ratio from 31.04 to 75.21; short-term debt falls from €40k to €21k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €406k ▲31.3%
Operating result €575k, net result €406k, both a record.
31-12
Financial
Equity above €1MEq €1.25M ▲41.9%
7 profitable years in a row build equity to €1.25M.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 13.41
Current ratio from 3.65 to 13.41; short-term debt falls from €209k to €48k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 165 days late
2021
31-12
Financial
Equity above €500kEq €573k ▲26.9%
4 profitable years in a row build equity to €573k.
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aalter · 1 establishment unit since 2011
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.
Meerkensdreef 49880 AalterGround area
1,924 m²
Building footprint
282 m²
Parcel 44502C0863/00K002, Flanders. Linked by address, not a title deed.
1 establishment unit
Matthys Charlotte
since 20112.203.706.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44502C0863/00K002 | Flanders | 1,924 m² | 1 · 282 m² | - |
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.
Similar companies · same sector, comparable size
Zymofix
BE 0788.847.055
Gent · Eq €1.58M
EUROFINS FOOD TESTING BELGIUM
BE 0831.186.664
Nazareth-De Pinte · Eq €1.59M
ReWind Therapeutics
BE 0682.626.216
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ASTERION RESEARCH & DEVELOPMENT
BE 0682.704.608
Gent · Eq €1.64M
RUMEXPERTS
BE 0742.532.822
Faimes · Eq €1.65M
Of 761 companies in sector 72101 we hold annual accounts for 481. 274 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2011
Fiscal year end31-12
Abbreviation NL
MCH
Activities, NACEBEL 2025
72101Research and development on biotechnology
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.