CA.LO.R.S. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €146k and a net result of €-9k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 8013 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
on the day
2022
3 d early
2021
31 d late
2020
4 d early
2019
11 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€146k▼ 5.7%
2024 · €155k
2018: €62k
2019: €38k
2020: €40k
2021: €51k
2022: €42k
2023: €59k
2024: €155k
2018 → 2025
Net result
€-9k▼ 13.1%
2024 · €-8k
2018: €44k
2019: €-24k
2020: €2k
2021: €11k
2022: €3k
2023: €16k
2024: €-8k
2018 → 2025
Total assets
€611k▼ 8.8%
2024 · €670k
2018: €108k
2019: €273k
2020: €241k
2021: €601k
2022: €419k
2023: €412k
2024: €670k
2018 → 2025
Solvency
23.9%▲ 0.8pp
2024 · 23.1%
2018: 57.7%
2019: 14.0%
2020: 16.6%
2021: 8.5%
2022: 10.1%
2023: 14.3%
2024: 23.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€42k▼ 17.0%€59k▲ 38.8%€155k▲ 163%€146k▼ 5.7%
Operating result€15k-€9k▼ 39.6%€28k▲ 205%€4k▼ 84.5%€5k▲ 22.3%
Net result€11k-€3k▼ 72.0%€16k▲ 434%€-8k€-9k▼ 13.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€515k▼ 0.4%
Current assets
€96k▼ 37.4%
Equity and liabilities €611k
Equity
€146k▼ 5.7%
Debt
€465k▼ 9.8%
The debt ratio falls from 76.9% to 76.1%. Equity and debt are lower.
Key figures and ratios
Solvency
23.9%▲
2024 · 23.1%
ROE
-6.0%▼
2024 · -5.0%
ROA
-1.4%▼
2024 · -1.2%
Debt
€465k▼
2024 · €516k
Debt ≤ 1 year
€51k▼
2024 · €78k
Debt > 1 year
€411k▼
2024 · €437k
Income taxes
€282▲
2024 · €197
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€670k€611k▼
Fixed assets21/28€517k€515k▼
Tangible fixed assets22/27€517k€515k▼
Land and buildings22€473k€484k▲
Plant, machinery and equipment23€1k€749▼
Furniture and vehicles24€44k€31k▼
Current assets29/58€153k€96k▼
Amounts receivable within one year40/41€119k€42k▼
Trade receivables40€50k€24k▼
Other amounts receivable41€69k€18k▼
Cash at bank and in hand54/58€32k€52k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€670k€611k▼
Equity10/15€155k€146k▼
Contributions10/11€116k€116k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€-8k€-17k▼
Amounts payable17/49€516k€465k▼
Amounts payable after more than one year17€437k€411k▼
Financial debts170/4€257k€231k▼
Other amounts payable178/9€180k€180k=
Amounts payable within one year42/48€78k€51k▼
Current portion of amounts payable after more than one year42€27k€26k▼
Trade debts44€37k€15k▼
Suppliers440/4€37k€15k▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€1k▼
Remuneration and social security454/9€346€3k▲
Other amounts payable47/48€10k€7k▼
Accrued charges and deferred income492/3€860€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€49k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€45k€56k▲
Operating profit (loss)9901€4k€5k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€12k€14k▲
Recurring financial charges65€12k€14k▲
Profit (loss) for the period before taxes9903€-8k€-8k▼
Income taxes67/77€197€282▲
Profit (loss) for the period9904€-8k€-9k▼
Profit (loss) for the period to be appropriated9905€-8k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-17k▼
Profit (loss) brought forward from the previous period14P-€-8k
Transfer from equity791/2€6k-
Profit to be distributed694/7€6k-
Return on contributions (dividend)694€6k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €155k ▲163%
Equity rises from €59k to €155k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €-24k ▼154%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-06
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.
Directors · office · real estate
Directors
3 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, Pont-à-Celles · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Sainte Famille(VIE) 1246230 Pont-à-CellesGround area
1,274 m²
Building footprint
105 m²
Parcel 52067B0504/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CA.LO.R.S.
since 20152.244.475.674
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52067B0504/00N000 | Wallonia | 1,274 m² | 1 · 105 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.