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 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CHARLY-IMMO from Ham-sur-Heure-Nalinnes, company number BE0713441136, closed financial year 2025 with a result of € -17,788 after tax. For that financial year CHARLY-IMMO recorded a gross margin of € 38,352 and equity of € -28,571. Compared with financial year 2024, the result moved from € 5,648 to € -17,788. 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 July 28, 2026.
€ -28,571
▼ € 17,788 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -17,788
▼ still € 5,648 profit in 2024
Profit after tax over the fiscal year.
€ 3,139
▼ 49% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -47,171.
Debts at end 2025
€ 758,188
▲ 58% vs 2024
€ 38,070 is repaid this year. At this pace the long-term loan is gone in ≈ 20 years.
€ 1,541
▲ 298% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 9,648 | € 9,101 | € 48,041 | € 38,352 | ▼ 20% |
| Profit after taxes | € -9,480 | € -12,292 | € 5,648 | € -17,788 | ▼ € 23,437 |
| Equity | € -4,139 | € -16,431 | € -10,782 | € -28,571 | ▼ € 17,788 |
| Total debts | € 532,619 | € 736,486 | € 761,522 | € 1,117,075 | ▲ 47% |
| Cash | € 12,538 | € 11,701 | € 6,206 | € 3,139 | ▼ 49% |
| Land & buildings | € 201,855 | € 192,161 | € 741,086 | € 916,276 | ▲ 24% |
| Retained profit | € -22,739 | € -35,031 | € -29,382 | € -47,171 | ▼ € 17,788 |
| Bank debt | € 354,349 | € 428,121 | € 478,986 | € 758,188 | ▲ 58% |
| Balance sheet total | € 528,480 | € 720,055 | € 750,740 | € 1,088,504 | ▲ 45% |
Key figures of CHARLY-IMMO, 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 CHARLY-IMMO?
What happened at CHARLY-IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 17,788 (▼ € 23,437 vs 2024). Source: NBB ↗
- Start of the company according to the CBE. KBO
In short
From € 9,480 loss in 2022 to € 17,788 loss in 2025.
Best year ever: 2024, with € 5,648 profit.
Management
Behind CHARLY-IMMO is CHARLES COWEZ. CHARLES COWEZ is also behind Charles Cowez Toitures.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Rue Docteur F.Dufour(NAL) 11
6120 Ham-sur-Heure-Nalinnes
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0713.441.136
- VAT number
- BE 0713.441.136
- Registered office
- Rue Docteur F.Dufour(NAL) 11, 6120 Ham-sur-Heure-Nalinnes
- Names & denominations
- CHARLY-IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 November 2018
- Peppol
- Active · Active since 23 Sept 2026