Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2026; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 16.2 to 11.8.
Financials
Financial year 2026
CHARTEX from Beauraing, company number BE0449737431, closed financial year 2026 with a result of € -20,779 after tax. For that financial year CHARTEX recorded a gross margin of € 461,207 and equity of € -332,372. Compared with financial year 2025, the result moved from € 8,762 to € -20,779. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 29, 2026.
€ -332,372
▼ € 20,779 vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -20,779
▼ still € 8,762 profit in 2025
Profit after tax over the fiscal year.
€ 46,076
▲ 53% vs 2025
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -394,372.
People and assets in 2026
11.8
▼ 2.4 vs 2025
Average over the fiscal year, from the social balance sheet.
€ 322,547
▲ 2% vs 2025
€ 27,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2026
€ 354,427
▼ 16% vs 2025
Loans from banks and other lenders, long and short.
€ 300,720
▼ 2% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 70,707
▼ 10% vs 2025
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 419,236 | € 466,517 | € 492,046 | € 461,207 | ▼ 6% |
| Profit after taxes | € -73,927 | € -56,520 | € 8,762 | € -20,779 | ▼ € 29,541 |
| Equity | € -263,835 | € -320,354 | € -311,593 | € -332,372 | ▼ € 20,779 |
| Total debts | € 2,122,693 | € 2,012,172 | € 1,906,028 | € 1,843,228 | ▼ 3% |
| Cash | € 72,101 | € 55,807 | € 30,137 | € 46,076 | ▲ 53% |
| Retained profit | € -325,835 | € -382,354 | € -373,593 | € -394,372 | ▼ € 20,779 |
| Bank debt | € 600,904 | € 488,013 | € 424,209 | € 354,427 | ▼ 16% |
| Balance sheet total | € 1,858,858 | € 1,691,818 | € 1,594,435 | € 1,510,856 | ▼ 5% |
| Employees (FTE) | 14.2 | 16.2 | 14.2 | 11.8 | ▼ 2.4 |
Key figures of CHARTEX, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 August 2027.
What happened to CHARTEX?
What happened at CHARTEX in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Charlotte DEMARS stepped down as director. NBB
- Yves DEMARS stepped down as director. NBB
- New annual accounts for financial year 2026: loss of € 20,779 (▼ € 29,541 vs 2025). filed late Source: NBB ↗
- Charlotte DEMARS became a director. NBB
- Yves DEMARS became a director. NBB
- New establishment in Beauraing. KBO
- New establishment in Dinant. KBO
- Start of the company according to the CBE. KBO
In short
From € 73,927 loss in 2023 to € 20,779 loss in 2026.
Paid € 1,420 in corporate taxes since 2023.
Best year ever: 2025, with € 8,762 profit.
On average € 39,100 of value added per employee in 2026.
Management
Directors
According to the 2026 annual accounts
Charlotte DEMARS
Managing director
Also active at: Les Grands Magasins Demars, Société Immobilière Beauraing-Soignies, DEMARS JOUETS
since 2025 · until 2031
since 2025 · until 2031
Establishments
Establishment units
Physical locations of this company
rue de Rochefort 41
5570 Beauraing
Rue Saint-Jacques 333 box B
5500 Dinant
Active since 19 March 2010
rue de Rochefort 83
5570 Beauraing
Active since 1 February 2020
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0449.737.431
- VAT number
- BE 0449.737.431
- Registered office
- rue de Rochefort 41, 5570 Beauraing
- Names & denominations
- CHARTEX
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 27 March 1993
- Peppol
- Active · Active since 24 Sept 2025
- Activities · NACE
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
Detailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)
Detailhandel in huishoudtextiel en beddengoed
Detailhandel in textiel