Traiteur Charlet
ActiveThe computed 12-month bankruptcy probability of Traiteur Charlet is 3.4% (moderate). The 2025 annual accounts show equity of €275k and a net result of €108k. Equity is growing by ~68.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 13270 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78=
Track record82
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days only on tighter terms
Liquidity ample (current ratio 3.12 against 1.87 in 2024; short-term debt: 22.6% and cash: 43.4% of total assets), and 22.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
77.4%
Return on assets
30.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
31 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 64.6%
2024 · €167k
2023: €47k
2024: €167k
2023 → 2025
Total assets
€355k▲ 48.3%
2024 · €240k
2023: €104k
2024: €240k
2023 → 2025
Net result
€108k▼ 10.0%
2024 · €120k
2023: €45k
2024: €120k
2023 → 2025
Working capital
€170k▲ 179%
2024 · €61k
2023: €22k
2024: €61k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€47k-€167k▲ 253%€275k▲ 64.6%
Operating result€57k-€154k▲ 171%€137k▼ 10.7%
Net result€45k-€120k▲ 165%€108k▼ 10.0%
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355k
Fixed assets
€105k▼ 3.6%
Current assets
€250k▲ 91.6%
Equity and liabilities €355k
Equity
€275k▲ 64.6%
Debt
€80k▲ 10.6%
The debt ratio falls from 30.3% to 22.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€161k▼
2024 · €165k
Cash flow
€132k▲
2024 · €131k
Solvency
77.4%▲
2024 · 69.7%
Current ratio
3.12▲
2024 · 1.87
Quick ratio
3.12▲
2024 · 1.87
Debt / equity
0.29▼
2024 · 0.43
ROE
39.2%▼
2024 · 71.7%
ROA
30.4%▼
2024 · 50.0%
Interest coverage
955.81▲
2024 · 310.86
Debt
€80k▲
2024 · €73k
Debt ≤ 1 year
€80k▲
2024 · €70k
Income taxes
€29k▼
2024 · €33k
Staff costs
€878▼
2024 · €7k
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€240k€355k▲
Fixed assets21/28€109k€105k▼
Tangible fixed assets22/27€109k€105k▼
Plant, machinery and equipment23€719€362▼
Furniture and vehicles24€85k€70k▼
Leasing and similar rights25€24k-
Other tangible fixed assets26-€34k
Current assets29/58€131k€250k▲
Amounts receivable within one year40/41€39k€88k▲
Trade receivables40€39k€88k▲
Other amounts receivable41€55€10▼
Cash at bank and in hand54/58€91k€154k▲
Deferred charges and accrued income490/1€836€7k▲
Equity and liabilities
Total equity and liabilities10/49€240k€355k▲
Equity10/15€167k€275k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€165k€273k▲
Amounts payable17/49€73k€80k▲
Amounts payable within one year42/48€70k€80k▲
Trade debts44€16k€31k▲
Suppliers440/4€16k€31k▲
Taxes, remuneration and social security45€21k€19k▼
Taxes450/3€21k€19k▼
Remuneration and social security454/9€780-
Other amounts payable47/48€32k€30k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€7k€878▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€24k▲
Other operating charges640/8€888€1k▲
Gross operating margin9900€173k€163k▼
Operating profit (loss)9901€154k€137k▼
Financial income75/76B€4€12▲
Recurring financial income75€4€12▲
Financial charges65/66B€532€168▼
Recurring financial charges65€532€168▼
Profit (loss) for the period before taxes9903€153k€137k▼
Income taxes67/77€33k€29k▼
Profit (loss) for the period9904€120k€108k▼
Profit (loss) for the period to be appropriated9905€120k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€165k€273k▲
Profit (loss) brought forward from the previous period14P€45k€165k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €275k ▲64.6%
3 profitable years in a row build equity to €275k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2023net €120k ▲165%
Operating result €154k, net result €120k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲253%
2 profitable years in a row build equity to €167k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Perwez · 1 establishment unit since 2023
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 Alouettes 61360 PerwezGround area
686 m²
Building footprint
119 m²
Volume, LiDAR
469 m³
Parcel 25084C0299/00N002, Wallonia · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Traiteur Charlet SRL
since 20232.350.381.759
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25084C0299/00N002 | Wallonia | 686 m² | 1 · 119 m² | 5.0 m · 1 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 sitePerwez2.350.381.759
Similar companies · same sector, comparable size
Dominicains Management
BE 0835.268.483
Blégny · Eq €277k
NOORDOEVER
BE 0629.893.848
Leuven · Eq €271k
DE MESS
BE 0888.318.971
Damme · Eq €281k
K.F.C. KONINGSHOF
BE 0418.337.838
Schoten · Eq €282k
FORTBEKE
BE 0452.551.421
Brugge · Eq €267k
Of 1,352 companies in sector 56220 we hold annual accounts for 405. 258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2023
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.