CHARTEX
ActiveSummary
CHARTEX has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-312k) and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▲+18
Solvency5▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.54 against 0.54 in 2024; short-term debt: 115.3% and cash: 1.9% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-19.5%
Return on assets
0.5%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 4178 sector peers (2025).
NBB · sector comparisonPosition among 4178 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 28-08-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not confirmed
2025
3 d early
2024
6 d late
2023
on the day
2022
5 d early
2021
on the day
2020
60 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k
2024 · €-57k
Working capital
€-853k▼ 2.6%
2024 · €-831k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-603k€-249k▲ 58.7%€-46k▲ 81.7%€-2k▲ 96.1%€55k
Net result€-643k€-258k▲ 59.9%€-74k▲ 71.4%€-57k▲ 23.5%€9k
Equity€68k▼ 90.4%€-190k€-264k▼ 38.9%€-320k▼ 21.4%€-312k▲ 2.7%
Total assets€1.55M▼ 18.8%€1.69M▲ 8.8%€1.86M▲ 10.0%€1.69M▼ 9.0%€1.59M▼ 5.8%
Debt€1.49M▲ 23.6%€1.88M▲ 26.6%€2.12M▲ 12.9%€2.01M▼ 5.2%€1.91M▼ 5.3%
Working capital€345k▼ 49.6%€-704k€-823k▼ 16.9%€-831k▼ 0.9%€-853k▼ 2.6%
Staff (FTE)16.6▼ 5.7%14.2▼ 14.5%14.2=16.2▲ 14.1%14.2▼ 12.3%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €55k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€609k ▼ 14.2%
Current assets
€985k ▲ 0.3%
Key figures and ratios
EBITDA
€156k▲
2024 · €99k
Cash flow
€109k▲
2024 · €44k
Solvency
-19.5%▼
2024 · -18.9%
Current ratio
0.54▼
2024 · 0.54
Quick ratio
0.03▼
2024 · 0.06
Debt to equity
-6.12▲
2024 · -6.28
ROA
0.5%▲
2024 · -3.3%
Interest coverage
3.37▲
2024 · 1.81
Debt ≤ 1 year
€1.84M▲
2024 · €1.81M
Debt > 1 year
€49k▼
2024 · €174k
Income taxes
€257▼
2024 · €579
Staff costs
€317k▼
2024 · €360k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €11k | - |
| Remuneration, social security and pensions62 | - | €384k | €357k | €360k | €317k | ▼ 11.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65k | €75k | €105k | €100k | €101k | ▲ 0.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €0 | - | - | - | - |
| Other operating charges640/8 | - | €3k | €3k | €8k | €19k | ▲ 134% |
| Non-recurring operating charges66A | - | €34k | €0 | - | - | - |
| Gross operating margin9900 | €204k | €247k | €419k | €467k | €492k | ▲ 5.5% |
| Operating profit (loss)9901 | €-603k | €-249k | €-46k | €-2k | €55k | ▲ 3,216% |
| Financial income75/76B | - | €13k | €1k | €151 | €2 | ▼ 98.9% |
| Recurring financial income75 | €20 | €103 | €1k | €151 | €2 | ▼ 98.9% |
| Non-recurring financial income76B | - | €13k | €0 | - | - | - |
| Financial charges65/66B | - | €21k | €29k | €54k | €46k | ▼ 14.9% |
| Recurring financial charges65 | €21k | €21k | €29k | €54k | €46k | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €-623k | €-258k | €-73k | €-56k | €9k | ▲ 116% |
| Income taxes67/77 | €20k | €591 | €584 | €579 | €257 | ▼ 55.6% |
| Profit (loss) for the period9904 | €-643k | €-258k | €-74k | €-57k | €9k | ▲ 116% |
| Profit (loss) for the period to be appropriated9905 | €-643k | €-258k | €-74k | €-57k | €9k | ▲ 116% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.55M | €1.69M | €1.86M | €1.69M | €1.59M | ▼ 5.8% |
| Fixed assets21/28 | €383k | €915k | €810k | €710k | €609k | ▼ 14.2% |
| Intangible fixed assets21 | €10k | €46k | €41k | €36k | €32k | ▼ 13.1% |
| Tangible fixed assets22/27 | €372k | €849k | €749k | €653k | €557k | ▼ 14.7% |
| Plant, machinery and equipment23 | - | €3k | €2k | €2k | €1k | ▼ 33.3% |
| Furniture and vehicles24 | - | €30k | €18k | €11k | €4k | ▼ 63.2% |
| Other tangible fixed assets26 | - | €816k | €728k | €640k | €552k | ▼ 13.8% |
| Financial fixed assets28 | €588 | €21k | €21k | €21k | €21k | = |
| Current assets29/58 | €1.17M | €775k | €1.05M | €982k | €985k | ▲ 0.3% |
| Stocks and contracts in progress3 | €984k | €560k | €914k | €878k | €926k | ▲ 5.4% |
| Stocks30/36 | - | €560k | €914k | €878k | €926k | ▲ 5.4% |
| Amounts receivable within one year40/41 | €93k | €128k | €47k | €32k | €18k | ▼ 44.7% |
| Trade receivables40 | - | €59k | €19k | €23k | €15k | ▼ 34.4% |
| Other amounts receivable41 | - | €69k | €28k | €9k | €3k | ▼ 69.7% |
| Cash at bank and in hand54/58 | €71k | €78k | €72k | €56k | €30k | ▼ 46.0% |
| Deferred charges and accrued income490/1 | - | €9k | €16k | €16k | €12k | ▼ 27.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.55M | €1.69M | €1.86M | €1.69M | €1.59M | ▼ 5.8% |
| Equity10/15 | €68k | €-190k | €-264k | €-320k | €-312k | ▲ 2.7% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | - | €62k | €62k | €62k | €62k | = |
| Issued capital100 | - | €62k | €62k | €62k | €62k | = |
| Reserves13 | €6k | €6k | €6k | €6k | €6k | = |
| Non-distributable reserves130/1 | - | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | - | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | - | €-258k | €-332k | €-389k | €-380k | ▲ 2.3% |
| Amounts payable17/49 | €1.49M | €1.88M | €2.12M | €2.01M | €1.91M | ▼ 5.3% |
| Amounts payable after more than one year17 | €230k | €392k | €238k | €174k | €49k | ▼ 71.8% |
| Financial debts170/4 | - | €282k | €178k | €114k | €49k | ▼ 57.0% |
| Other amounts payable178/9 | - | €110k | €60k | €60k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €826k | €1.48M | €1.87M | €1.81M | €1.84M | ▲ 1.4% |
| Current portion of amounts payable after more than one year42 | - | €153k | €123k | €74k | €75k | ▲ 1.4% |
| Financial debts43 | - | €300k | €300k | €300k | €300k | = |
| Credit institutions430/8 | - | €300k | €300k | €300k | €300k | = |
| Trade debts44 | €168k | €451k | €449k | €333k | €306k | ▼ 8.1% |
| Suppliers440/4 | - | €451k | €449k | €333k | €306k | ▼ 8.1% |
| Taxes, remuneration and social security45 | - | €93k | €94k | €98k | €79k | ▼ 20.2% |
| Taxes450/3 | - | €50k | €45k | €55k | €34k | ▼ 38.4% |
| Remuneration and social security454/9 | - | €43k | €50k | €43k | €45k | ▲ 3.2% |
| Other amounts payable47/48 | - | €483k | €906k | €1.01M | €1.08M | ▲ 7.0% |
| Accrued charges and deferred income492/3 | - | €9k | €13k | €25k | €19k | ▼ 24.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-643k | €-258k | €-74k | €-57k | €9k | ▲ 116% |
| + Depreciation and write-downs630 | €65k | €75k | €105k | €100k | €101k | ▲ 0.3% |
| Operating cash flow (approximation) | €-579k | €-183k | €31k | €44k | €109k | ▲ 150% |
| Investment in fixed assets (approximation) | - | €-607k | €0 | €0 | €0 | - |
| Change in cash | - | €7k | €-6k | €-16k | €-26k | ▼ 57.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-01
Financial
Back to profitnet €9k
Net result €9k after 4 loss-making years.
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 6 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial
Weakest financial yearnet €-643k
Net result drops to €-643k, the lowest in the series; recovery starts the following year.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Beauraing · 2 establishment units since 2010
Ground area
1.5 ha
Building footprint
7,441 m²
Volume, LiDAR
10,149 m³
3 parcels, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
DEMARS
since 20102.186.023.078
POINT CARRE BEAURAING
since 20202.299.050.646
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034B0152/00L002 | Wallonia | 1.1 ha | 1 · 4,715 m² | - |
| 91013A0807/00W000 | Wallonia | 2,398 m² | 1 · 1,073 m² | - |
| 91013A1250/00D003 | Wallonia | 1,896 m² | 1 · 1,653 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 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
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LINATEX
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BOETIEK IDEFIX
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 482 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-03-1993
Fiscal year end31-01
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Contact
Phone
082/74 51 71Dinant
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationOrdinary general meeting
Agenda
Rapport du C.A. Approbation comptes annuels. Affectation résultats. Décharge administrateurs. Divers. (AOPC-1-11-02069/01.06) (23909) CLIMMOG, naamloze vennootschap, Oudenaardsesteenweg 120, 9800 DEINZE Ondernemingsnummer 0428.175.618 Algemene vergadering ter zetel op 22/06/2011, om 18 uur. Agenda : Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC-1-11-01254/01.06) (23910) COCQUYT E. & K., naamloze vennootschap, Groenestraat 14, 8340 MOERKERKE Ondernemingsnummer 0465.296.231 Algemene vergadering ter zetel op 22/06/2011, om 14 uur. Agenda : Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Diver ...