CHARLEX · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CHARLEX is 0.3% (very low). The 2025 annual accounts show equity of €103k and a net result of €24k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 1943 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	08-06-2026	53 d early	2026-00142276
31-12-2024	31-07-2025	17-06-2025	44 d early	2025-00144562
31-12-2023	31-07-2024	17-06-2024	44 d early	2024-00133696
31-12-2022	31-07-2023	06-06-2023	55 d early	2023-00108060

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€24k+5.2%

Working capital€85k+14.0%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~25.8%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	69.5%	53.8%	better than 64% of 1943 sector peers
Net result	€24k	€43k	better than 30% of 1943 sector peers
Equity	€103k	€56k	better than 67% of 1944 sector peers
Gross operating margin	€43k	€68k	better than 31% of 1942 sector peers
Total assets	€149k	€133k	better than 55% of 1943 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P64

Weakening position over 2022-2025 · n=1943-4818

Net result P30

Weakening position over 2022-2025 · n=1943-4815

Equity P67

Improving position over 2022-2025 · n=1944-4818

Gross operating margin P31

Weakening position over 2022-2025 · n=1942-4813

Describes the position versus peers, not a forecast.

EBITDA

€41k

-5.6% 22-25

Net profit

€24k

+5.2% 22-25

Cash flow

€34k

+3.6% 22-25

Total assets

€149k

+17.3% 22-25

Equity

€103k

+6.3% 22-25

Working capital

€85k

+14.0% 22-25

Income taxes

€6k

-36.1% 22-25

Dividends

€18k

- 22-25

Debt

€45k

+53.4% 22-25

Debt ≤ 1y

€33k

+201.0% 22-25

Debt > 1y

€13k

-32.0% 22-25

Current ratio

3.61

-54.3% 22-25

Quick ratio

3.61

-54.3% 22-25

Solvency

69.5%

-9.4% 22-25

Debt / equity

0.44

+44.3% 22-25

ROE

23.4%

-1.0% 22-25

ROA

16.3%

-10.3% 22-25

Interest coverage

44.68

+23.6% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€41k
Net profit	€24k
Cash flow	€34k
Staff costs	-
Income taxes	€6k
Dividends	€18k
Total assets	€149k
Equity	€103k
Debt	€45k
of which ≤ 1y	€33k
of which > 1y	€13k
Working capital	€85k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.61
Quick ratio	3.61
Working capital ratio	57.3%
Solvency	69.5%
Debt / equity	0.44
Long-term debt ratio	0.12
Interest coverage	44.68
Gross margin	-
Net margin	-
ROA	16.3%
ROE	23.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €31k · 20.8% Current assets €118k · 79.2%

Equity & liabilities

Equity €103k · 69.5% Debt €45k · 30.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€149k
Fixed assets	21/28	€31k
Tangible fixed assets	22/27	€31k
Current assets	29/58	€118k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€96k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€149k
Equity	10/15	€103k
Contributions / capital	10/11	€19k
Reserves	13	€85k
Amounts payable	17/49	€45k
Amounts payable after one year	17	€13k
Amounts payable within one year	42/48	€33k
Income statement
Gross operating margin	9900	€43k
Operating result	9901	€31k
Financial charges	65	€926
Result before taxes	9903	€30k
Income taxes	67/77	€6k
Net result for the period	9904	€24k
Result to be appropriated	9905	€24k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Brielstraat(MEL) 169120 Beveren-Kruibeke-Zwijndrecht

Establishment units

1 location

CHARLEX

Brielstraat(MEL) 16, 9120 Beveren-Kruibeke-ZwijndrechtActiviteiten van advocaten

since 20222.331.117.361

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area777 m²

Buildings1

Building footprint124 m²

Volume (LiDAR)700 m³

Tallest building8.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46016C0877/00E000	Flanders	777 m²	1 · 124 m²	8.7 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers

Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works