Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 28 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CHARVINS from Gerpinnes, company number BE0438277276, closed financial year 2025 with a result of € -16,545 after tax. For that financial year CHARVINS recorded a gross margin of € -7,510 and equity of € 46,679. Compared with financial year 2024, the result moved from € 706 to € -16,545. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ 46,679
▼ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -16,545
▼ still € 706 profit in 2024
Profit after tax over the fiscal year.
€ 4,835
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 8,255.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 24,097
▲ 21% vs 2024
€ 5,132 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 45,409
▼ 25% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 24,287
▼ 17% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 41,776 | € 42,692 | € 6,420 | € -7,510 | ▼ € 13,930 |
| Profit after taxes | € 2,208 | € 4,389 | € 706 | € -16,545 | ▼ € 17,252 |
| Equity | € 58,129 | € 62,518 | € 63,224 | € 46,679 | ▼ 26% |
| Total debts | € 191,896 | € 179,435 | € 162,466 | € 153,618 | ▼ 5% |
| Cash | € 30,906 | € 26,294 | € 4,855 | € 4,835 | |
| Retained profit | € 19,706 | € 24,095 | € 24,801 | € 8,255 | ▼ 67% |
| Bank debt | € 69,493 | € 60,139 | € 19,868 | € 24,097 | ▲ 21% |
| Balance sheet total | € 250,025 | € 241,953 | € 225,690 | € 200,297 | ▼ 11% |
Key figures of CHARVINS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CHARVINS?
What happened at CHARVINS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 16,545 (▼ € 17,252 vs 2024). filed late Source: NBB ↗
- New establishment in Walcourt. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,208 profit in 2022 to € 16,545 loss in 2025.
Paid € 4,462 in corporate taxes since 2022.
Best year ever: 2023, with € 4,389 profit.
Management
Behind CHARVINS is Jean-François CHARLIER.
Directors
According to the 2025 annual accounts
Jean-François CHARLIER
Director
Establishments
Establishment units
Physical locations of this company
Rue des Tayettes(GER) 42
6280 Gerpinnes
Rue Ahérée(Tar) 26
5651 Walcourt
Active since 25 September 1989
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0438.277.276
- VAT number
- BE 0438.277.276
- Registered office
- Rue des Tayettes(GER) 42, 6280 Gerpinnes
- Names & denominations
- CHARVINS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 September 1989
- Peppol
- Active · Active since 4 Aug 2025
- Activities · NACE
Groothandel in dranken, algemeen assortiment
Groothandel in dranken
Detailhandel in dranken, algemeen assortiment
Detailhandel in alcoholische en andere dranken