Skip to content

CHARMEWONING

Active
Private limited company·Algemene bouw van residentiële gebouwen· 16 yrs active
Open bankruptcy
KBO/BCE: BE 0826.369.328
Watch Print / PDF
Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

Process with priority Sign in free to move this company to the front.
Age16 yrs
Connections35
Real estate1 parcel · 2,050 m²

Summary

Conclusion

the dossier summarised in one paragraph

A bankruptcy procedure is open for CHARMEWONING according to publications in the Belgian State Gazette. The 2024 annual accounts show negative equity (€-1.78M) and a net result of €64k.

Based on the State Gazette, CBE and 5 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Insolvency timeline

1 events
16-12-2025
Bankruptcy Opening
Date: 08-12-2025 · Ondernemingsrechtbank Antwerpen, afdeling Mechelen · CHARMEWONING BV KARDI- NAAL MERCIERPLEIN 2, 2800 MECHELEN · Publications in State Gazette ↗

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3827 sector peers (2024).
View the sector comparison

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

Trust signals

2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags

No administrative flags

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€64k
Working capital€-1.78M0%
Directors1

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-07-2025 with the NBB · fiscal year 2024 · micro
€-500k€0€500k€1.00MOperating result 2018: €968k€968kNet result 2018: €353k€353kOperating result 2019: €156k€156kNet result 2019: €17k€17kOperating result 2021: €-135k€-135kNet result 2021: €-165k€-165kOperating result 2022: €-190k€-190kNet result 2022: €-216k€-216kOperating result 2024: €91k€91kNet result 2024: €64k€64k20182019202120222024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -2392.3% 39.4%
better than 5% of 3827 sector peers
Net result €64k €9k
better than 92% of 3824 sector peers
Equity €-1.78M €29k
better than 5% of 3832 sector peers
Gross operating margin €93k €26k
better than 85% of 3822 sector peers
Staff costs €0 €16k
higher than 5% of 1125 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 P5
2021: P5 · n=11242022: P5 · n=22302024: P5 · n=38272021 2024
Stable position over 2021-2024 · n=1124-3827
Net result P92
2021: P5 · n=11242022: P5 · n=22242024: P92 · n=38242021 2024
Improving position over 2021-2024 · n=1124-3824
Equity P5
2021: P5 · n=11272022: P5 · n=22352024: P5 · n=38322021 2024
Stable position over 2021-2024 · n=1127-3832
Gross operating margin P85
2021: P57 · n=11172022: P5 · n=22182024: P85 · n=38222021 2024
Improving position over 2021-2024 · n=1117-3822
Describes the position versus peers, not a forecast.
EBITDA
€-135k
- +92% vs sector
Net profit
€64k
- -4% vs sector
Cash flow
€-165k
- far below sector median
Total assets
€75k
-28.2% -100% vs sector
Equity
€-1.78M
+1.0% far below sector median
Working capital
€-1.78M
0.0% far below sector median
Employees (FTE)
0
-100.0% -100% vs sector
Staff costs
€0
-100.0% -100% vs sector
Income taxes
€0
- -100% vs sector
Dividends
€0
- 18-24
Debt
€1.86M
-2.4% -94% vs sector
Debt ≤ 1y
€1.86M
-1.6% -86% vs sector
Debt > 1y
€0
- -100% vs sector
Current ratio
0.04
-27.1% -98% vs sector
Quick ratio
0.02
-39.8% -99% vs sector
Solvency
-2392.3%
-38.0% far below sector median
Debt / equity
-1.04
+1.5% far below sector median
ROE
-3.6%
- far below sector median
ROA
85.3%
- far above sector median
Interest coverage
-4.32
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€64k
Cash flow-
Staff costs€0
Income taxes€0
Dividends-
Total assets€75k
Equity€-1.78M
Debt€1.86M
of which ≤ 1y€1.86M
of which > 1y-
Working capital€-1.78M
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.04
Quick ratio0.02
Working capital ratio-2392.3%
Solvency-2392.3%
Debt / equity-1.04
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA85.3%
ROE-3.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€75k
Current assets 29/58€75k
Stocks & contracts in progress 3€32k
Amounts receivable within one year 40/41€42k
Cash & bank 54/58€79
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€75k
Equity 10/15€-1.78M
Contributions / capital 10/11€25k
Reserves 13€376k
Accumulated profits (losses) 14€-2.18M
Amounts payable 17/49€1.86M
Amounts payable within one year 42/48€1.86M
Trade debts payable within one year 44€0
Income statement
Gross operating margin 9900€93k
Operating result 9901€91k
Financial income 75€1
Financial charges 65€27k
Result before taxes 9903€64k
Income taxes 67/77€0
Net result for the period 9904€64k
Result to be appropriated 9905€64k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
0 / 100 Critical
050100
Computed from 4 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 with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2024 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Directors

Directors & mandates

3 directors
Former directors (3)
  • GOOSSENSLegal entity
    Director· perm. rep.: Goossens Eve
    State Gazette act 23009250 (19-01-2023)
    Former
    - → 01-09-2021
  • Goossens Eve
    Manager
    State Gazette act 18002334 (04-01-2018)
    Former
    - → 30-04-2015
  • Goossens Johan
    Director
    State Gazette act 14171315 (17-09-2014)
    Former
    19-08-2014 → 30-04-2015
    2 events
    • 30-04-2015 Resigned· Manager
    • 19-08-2014 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

1 mandate
Role Name Tenure Source
Curator KAROLIEN VAN DEN BERGHEN
FREDERIK DE MERO- DESTRAAT 94-96, 2800 MECHELEN
 08-12-2025 → present Belgian State Gazette

Legal Structure

NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation18-05-2010
StatusActive
Postal code-
First BS signal 16-12-2025
Latest BS signal 16-12-2025

Structure & network

Connections & network

35 connected companies
+22 companies via a shared address +22via a sharedaddress+1 companies via a shared director +1via a shareddirectorAbdij der Norbertijnen van Grimbergen, Shared director ADAbdij derNorberti…ergenCHILLAX, Shared director CCHILLAXHof Te Bayghem, Shared director HTHof Te BayghemIngenieurshuis, Shared director IIngenieurshuisJ.G. HESTIA, Shared director JHJ.G. HESTIAJLG Management, Shared director JMJLG ManagementMACONAL, Shared director MMACONALMAISON DU DEVELOPPEMENT DURABLE, Shared director MDMAISON DUDEVELOPP…RABLENIET-OPENBARE REGIONALE TELEVISIEVERENIGINGEN VLAANDEREN, Shared director NRNIET-OPENBAREREGIONAL…DERENParochiezalen Gewest Vilvoorde, Shared director PGParochiezalenGewest V…oordeSociare, Socioculturele Werkgeversfederatie, Shared director SSSociare,Sociocul…ratieTOOLBOX, Shared director TTOOLBOXCHARMEWONING CHARMEWONING0826.369.328
Shared directorsShared address / shareholderBundled connections
Network connections
CHILLAX
Shared director
→
GOOSSENS
Shared director
→
Hof Te Bayghem
Shared director
→
Ingenieurshuis
Shared director
→
J.G. HESTIA
Shared director
→
JLG Management
Shared director
→
MACONAL
Shared director
→
TOOLBOX
Shared director
→
Cybercontract
Shared address
→
DYNATRACE
Shared address
→
E & K Company
Shared address
→
→
FRUTAROM BELGIUM
Shared address
→
Hoist Finance AB
Shared address
→
MITEL BELGIUM
Shared address
→
MUNDIPHARMA
Shared address
→
OD Tandartsen
Shared address
→
→
Pascual Company
Shared address
→
PerkinElmer (Belgium)
Shared address
→
qubus
Shared address
→
Revvity
Shared address
→
Spectricity
Shared address
→
STUDIO BERN
Shared address
→
Temmune Therapeutics
Shared address
→
TRAXION
Shared address
→
Wasserman Cycling
Shared address
→
WORKDAY BELGIUM
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Company structure: linked entities

1 linked entity
CHARMEWONINGBE 0826.369.328KAROLIEN VAN DEN BERG…Receiver
Mandates

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register
55 companies at this address See who is registered here

Establishment units

1 location
Charmewoning
Optrekken van de ruwbouw van individuele huizen
since 20102.189.012.064
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,050 m²
Buildings1
Building footprint1,809 m²

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.
12025C0760/00X000
ProtectedMonumentNeoclassicistische eenheidsbebouwing: oostelijk hoekgebouwSource ↗
 Flanders 2,050 m² 1 · 1,809 m² -
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

1 event from the State Gazette
16-12-2025
Bankruptcy Opening
Date: 08-12-2025 · Ondernemingsrechtbank Antwerpen, afdeling Mechelen · CHARMEWONING BV KARDI- NAAL MERCIERPLEIN 2, 2800 MECHELEN · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-12-16 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

6 acts
Address history · 1
17-11-2025
v3.2
All acts · 6 updated 8 months ago
2025
17-11-2025 Registered office moved from Heist-op-den-Berg to Mechelen Registered-office change
  • Heksestraat 65, 2222 Heist-op-den-Berg → Kardinaal Mercierplein 2, 2800 Mechelen
Summary: v3.2
2024
31-01-2024 Change in the board of directors Director changes
Summary: v3.2
2023
19-01-2023 Goossens Eve resigns as director Director changes
  • Goossens Eve, Bestuurder
Summary: v3.2
2021
29-09-2021 Eve Goossens resigns as manager Director changes
  • Eve Goossens, Zaakvoerder
Summary: v3.2
2018
04-01-2018 2 directors appointed, 2 resigning Director changes
  • Goossens Johan, Zaakvoerder
  • Goossens Eve, Zaakvoerder
  • Goossens Johan, Zaakvoerder
  • Goossens Eve, Zaakvoerder
Summary: v3.2
2014
17-09-2014 2 directors appointed Director changes
  • Goossens Johan, Bestuurder
  • Goossens Eve, Bestuurder
Summary: v3.2

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability0Solvency33Growth32Stability0
13 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 0
Solvency 33
Growth 32
Stability 0

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

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector, nearest first

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
Legal nameNL CHARMEWONING
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.