CHARBIN
ActiveSummary
CHARBIN has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €12k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 1526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
85
/ 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
Profitability82▼-3
Solvency100▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.12 in 2024; short-term debt: 15.1% and cash: 29.7% of total assets), and 25.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
74.7%
Return on assets
10.9%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
69 d early
2023
85 d early
2022
56 d early
2021
53 d early
2020
81 d early
2019
38 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▼ 1.7%
2024 · €87k
2018: €44k
2019: €48k
2020: €58k
2021: €62k
2022: €70k
2023: €80k
2024: €87k
2018 → 2025
Total assets
€114k▼ 7.4%
2024 · €123k
2018: €149k
2019: €138k
2020: €129k
2021: €117k
2022: €115k
2023: €123k
2024: €123k
2018 → 2025
Net result
€12k▼ 22.8%
2024 · €16k
2018: €2k
2019: €4k
2020: €10k
2021: €4k
2022: €8k
2023: €18k
2024: €16k
2018 → 2025
Working capital
€23k▲ 1.0%
2024 · €22k
2018: €-21k
2019: €-20k
2020: €-9k
2021: €-2k
2022: €1k
2023: €11k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€70k▲ 13.3%€80k▲ 14.8%€87k▲ 8.1%€85k▼ 1.7%
Operating result€8k-€14k▲ 71.5%€29k▲ 108%€26k▼ 12.3%€20k▼ 22.0%
Net result€4k-€8k▲ 115%€18k▲ 124%€16k▼ 12.2%€12k▼ 22.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€74k ▼ 8.3%
Current assets
€40k ▼ 5.8%
Equity and liabilities €114k
Equity
€85k ▼ 1.7%
Debt
€29k ▼ 21.1%
Debt's share of the balance-sheet total falls from 29.7% to 25.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €35k
Cash flow
€19k▼
2024 · €25k
Current ratio
2.31▲
2024 · 2.12
Quick ratio
2.13▲
2024 · 1.97
Debt to equity
0.34▼
2024 · 0.42
ROE
14.6%▼
2024 · 18.6%
ROA
10.9%▼
2024 · 13.1%
Interest coverage
28.78▼
2024 · 32.19
Debt ≤ 1 year
€17k▼
2024 · €20k
Debt > 1 year
€12k▼
2024 · €17k
Income taxes
€7k▼
2024 · €8k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€123k€114k▼
Fixed assets21/28€81k€74k▼
Tangible fixed assets22/27€80k€73k▼
Land and buildings22€53k€51k▼
Plant, machinery and equipment23€27k€22k▼
Financial fixed assets28€1k€1k=
Current assets29/58€42k€40k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€1k€446▼
Other amounts receivable41€1k€446▼
Cash at bank and in hand54/58€36k€34k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€123k€114k▼
Equity10/15€87k€85k▼
Contributions10/11€12k€12k=
Reserves13€62k€61k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€60k€59k▼
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€37k€29k▼
Amounts payable after more than one year17€17k€12k▼
Financial debts170/4€16k€11k▼
Other amounts payable178/9€790€890▲
Amounts payable within one year42/48€20k€17k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€695€1k▲
Suppliers440/4€695€1k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€5k€838▼
Taxes450/3€5k€838▼
Other amounts payable47/48€10k€10k▲
Accrued charges and deferred income492/3€13€17▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-356€0▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€37k€29k▼
Operating profit (loss)9901€26k€20k▼
Financial income75/76B€7€3▼
Recurring financial income75€7€3▼
Financial charges65/66B€1k€927▼
Recurring financial charges65€1k€927▼
Profit (loss) for the period before taxes9903€24k€19k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€16k€12k▼
Profit (loss) for the period to be appropriated9905€16k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€24k▼
Profit (loss) brought forward from the previous period14P€12k€12k=
Transfer from equity791/2€10k€14k▲
Transfer to equity691/2€16k€12k▼
To other reserves6921€16k€12k▼
Profit to be distributed694/7€10k€14k▲
Return on contributions (dividend)694€10k€14k▲
The notes to these accounts (14 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €18k ▲124%
Operating result €29k, net result €18k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Ham-sur-Heure-Nalinnes · 2 establishment units since 1999
Ground area
1,248 m²
Building footprint
151 m²
Volume, LiDAR
770 m³
2 parcels, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Le Montant(HSH) 15, 6120 Ham-sur-Heure-Nalinnes
since 19992.092.086.892
Arts & Toiles
since 20092.182.062.708
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034C0580/00N000 | Wallonia | 1,228 m² | 1 · 151 m² | 6.7 m · 2 fl. |
| 53403E0239/00A000 | Wallonia | 20 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
BITLINK
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J & N SOLUTIONS
BE 0816.891.240
Oostkamp · Eq €89,723
S. UYTTERHOEVEN
BE 0556.869.575
Heist-op-den-Berg · Eq €80,370
BLATTER DATA SYSTEMS
BE 0429.377.824
Sint-Agatha-Berchem · Eq €90,896
BURTOS
BE 0427.535.319
Pelt · Eq €91,039
Of 174 companies in sector 77330 we hold annual accounts for 109. 70 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 (pre-2019)
Founded30-06-1999
Fiscal year end31-12
Activities, NACEBEL 2025
77330Rental and leasing activities
14210Manufacture of outerwear
46412Wholesale of household textiles and bedding
46500Wholesale of information and communication equipment
47690Retail sale of other cultural and recreation goods
68203Renting and operating of own or leased non-residential real estate, excluding land
77110Renting and leasing of cars and light motor vehicles
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0496129436