Charlotte Dekens
ActiveSummary
Charlotte Dekens has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232k and a net result of €51k. Equity is growing by ~35.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-5
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 14.13 against 21.3 in 2024; short-term debt: 6.3% and cash: 83.1% of total assets), and 6.3% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
93.7%
Return on assets
20.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
57 d late
2023
on the day
2022
on the day
2021
25 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▲ 28.2%
2024 · €181k
2021: €44k
2022: €84k
2023: €135k
2024: €181k
2021 → 2025
Total assets
€248k▲ 30.8%
2024 · €189k
2021: €54k
2022: €92k
2023: €148k
2024: €189k
2021 → 2025
Net result
€51k▲ 10.8%
2024 · €46k
2021: €29k
2022: €40k
2023: €51k
2024: €46k
2021 → 2025
Working capital
€206k▲ 20.5%
2024 · €171k
2021: €44k
2022: €84k
2023: €135k
2024: €171k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€84k▲ 91.4%€135k▲ 60.0%€181k▲ 34.1%€232k▲ 28.2%
Operating result€41k-€58k▲ 40.8%€72k▲ 24.1%€66k▼ 7.7%€71k▲ 7.7%
Net result€29k-€40k▲ 38.6%€51k▲ 25.7%€46k▼ 9.1%€51k▲ 10.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€26k ▲ 164%
Current assets
€222k ▲ 23.6%
Equity and liabilities €248k
Equity
€232k ▲ 28.2%
Debt
€16k ▲ 86.2%
Debt's share of the balance-sheet total rises from 4.5% to 6.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73k▲
2024 · €67k
Cash flow
€52k▲
2024 · €47k
Current ratio
14.13▼
2024 · 21.30
Debt to equity
0.07▲
2024 · 0.05
ROE
22.0%▼
2024 · 25.4%
ROA
20.6%▼
2024 · 24.3%
Interest coverage
480.71▲
2024 · 110.42
Debt ≤ 1 year
€16k▲
2024 · €8k
Income taxes
€21k▲
2024 · €20k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€189k€248k▲
Fixed assets21/28€10k€26k▲
Tangible fixed assets22/27€10k€26k▲
Land and buildings22€10k€26k▲
Current assets29/58€180k€222k▲
Amounts receivable within one year40/41€12k€15k▲
Trade receivables40€12k€15k▲
Other amounts receivable41€60€714▲
Cash at bank and in hand54/58€166k€206k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€189k€248k▲
Equity10/15€181k€232k▲
Contributions10/11€15k€15k=
Reserves13€166k€217k▲
Distributable reserves133€166k€217k▲
Amounts payable17/49€8k€16k▲
Amounts payable within one year42/48€8k€16k▲
Financial debts43-€56
Credit institutions430/8-€56
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€0€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€544€1k▲
Other operating charges640/8€502€537▲
Gross operating margin9900€67k€73k▲
Operating profit (loss)9901€66k€71k▲
Financial income75/76B€266€1k▲
Recurring financial income75€266€1k▲
Financial charges65/66B€605€151▼
Recurring financial charges65€605€151▼
Profit (loss) for the period before taxes9903€66k€72k▲
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€46k€51k▲
Profit (loss) for the period to be appropriated9905€46k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€51k▲
Transfer to equity691/2€46k€51k▲
To other reserves6921€46k€51k▲
The notes to these accounts (6 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2021net €51k ▲10.8%
Net result €51k, the highest in the series.
30-06
Financial
Equity above €200kEq €232k ▲28.2%
5 profitable years in a row build equity to €232k.
29-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
30-06
Financial
Equity above €150kEq €181k ▲34.1%
4 profitable years in a row build equity to €181k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €135k ▲60%
3 profitable years in a row build equity to €135k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 11.43
Current ratio from 5.36 to 11.43; short-term debt falls from €10k to €8k.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
29-04
State Gazette act
Publication
29-04
State Gazette act
Publication
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Duffel · 1 establishment unit since 2020
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.
Zijpstraat 242570 DuffelGround area
1,809 m²
Parcel 12302C0453/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
Charlotte Dekens
since 20202.311.135.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302C0453/00E000 | Flanders | 1,809 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.
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GD INFO
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,362 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
Founded02-12-2020
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
46900Non-specialised wholesale trade
47400Retail sale of information and communication equipment
73200Market research and public opinion polling
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.