Ca & Ro
ActiveSummary
Ca & Ro has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €41k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+17
Solvency77▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.62 in 2024; short-term debt: 36.1% and cash: 14.4% of total assets), and 47.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.3%
Return on assets
10.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-04-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
34 d early
2023
on the day
2022
30 d early
2021
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€209k▲ 24.3%
2024 · €168k
Total assets
€399k▼ 5.0%
2024 · €420k
Net result
€41k▲ 335%
2024 · €9k
Working capital
€169k▲ 39.4%
2024 · €121k
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€57k-€41k▼ 28.4%€67k▲ 64.9%€23k▼ 65.6%€65k▲ 182%
Net result€54k-€35k▼ 35.7%€60k▲ 71.0%€9k▼ 84.3%€41k▲ 335%
Equity€64k-€99k▲ 54.3%€158k▲ 60.2%€168k▲ 5.9%€209k▲ 24.3%
Total assets€303k-€353k▲ 16.5%€409k▲ 15.8%€420k▲ 2.6%€399k▼ 5.0%
Debt€239k-€254k▲ 6.3%€251k▼ 1.4%€252k▲ 0.5%€190k▼ 24.6%
Working capital€16k-€46k▲ 188%€107k▲ 130%€121k▲ 13.3%€169k▲ 39.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 182% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€86k ▼ 17.7%
Current assets
€313k ▼ 0.8%
Equity and liabilities €399k
Equity
€209k ▲ 24.3%
Debt
€190k ▼ 24.6%
Debt's share of the balance-sheet total falls from 60.0% to 47.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €44k
Cash flow
€59k▲
2024 · €30k
Current ratio
2.17▲
2024 · 1.62
Debt to equity
0.91▼
2024 · 1.50
ROE
19.5%▲
2024 · 5.6%
ROA
10.2%▲
2024 · 2.2%
Interest coverage
4.91▲
2024 · 4.03
Debt ≤ 1 year
€144k▼
2024 · €194k
Debt > 1 year
€46k▼
2024 · €58k
Income taxes
€17k▲
2024 · €3k
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 | - | €32 | €340 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €21k | €21k | €21k | €19k | ▼ 12.4% |
| Other operating charges640/8 | €2k | €3k | €4k | €2k | €2k | ▼ 12.9% |
| Non-recurring operating charges66A | - | - | - | €1k | - | - |
| Gross operating margin9900 | €83k | €64k | €93k | €48k | €86k | ▲ 79.2% |
| Operating profit (loss)9901 | €57k | €41k | €67k | €23k | €65k | ▲ 182% |
| Financial income75/76B | €8k | €6k | €11k | €398 | €9k | ▲ 2,154% |
| Recurring financial income75 | €8k | €6k | €11k | €398 | €9k | ▲ 2,154% |
| Financial charges65/66B | €4k | €3k | €2k | €11k | €17k | ▲ 55.4% |
| Recurring financial charges65 | €3k | €3k | €2k | €11k | €17k | ▲ 55.4% |
| Non-recurring financial charges66B | €218 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €62k | €44k | €76k | €13k | €57k | ▲ 356% |
| Income taxes67/77 | €8k | €9k | €16k | €3k | €17k | ▲ 415% |
| Profit (loss) for the period9904 | €54k | €35k | €60k | €9k | €41k | ▲ 335% |
| Profit (loss) for the period to be appropriated9905 | €54k | €35k | €60k | €9k | €41k | ▲ 335% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €303k | €353k | €409k | €420k | €399k | ▼ 5.0% |
| Fixed assets21/28 | €157k | €145k | €127k | €105k | €86k | ▼ 17.7% |
| Intangible fixed assets21 | €41k | €36k | €31k | €26k | €21k | ▼ 19.0% |
| Tangible fixed assets22/27 | €116k | €108k | €96k | €78k | €65k | ▼ 17.3% |
| Plant, machinery and equipment23 | €5k | €3k | €2k | €78k | €65k | ▼ 16.6% |
| Furniture and vehicles24 | €8k | €7k | €4k | €625 | - | - |
| Other tangible fixed assets26 | €103k | €98k | €89k | - | - | - |
| Current assets29/58 | €146k | €209k | €282k | €315k | €313k | ▼ 0.8% |
| Amounts receivable after more than one year29 | €32k | €28k | €25k | €250k | €250k | = |
| Other amounts receivable291 | €32k | €28k | €25k | €250k | €250k | = |
| Amounts receivable within one year40/41 | €77k | €134k | €211k | €2k | €5k | ▲ 203% |
| Trade receivables40 | €19k | €39k | €26k | - | €738 | - |
| Other amounts receivable41 | €58k | €95k | €185k | €2k | €4k | ▲ 159% |
| Cash at bank and in hand54/58 | €37k | €46k | €47k | €64k | €58k | ▼ 9.6% |
| Deferred charges and accrued income490/1 | €519 | €576 | €445 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €303k | €353k | €409k | €420k | €399k | ▼ 5.0% |
| Equity10/15 | €64k | €99k | €158k | €168k | €209k | ▲ 24.3% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €50k | €85k | €145k | €154k | €195k | ▲ 26.4% |
| Distributable reserves133 | €50k | €85k | €145k | €154k | €195k | ▲ 26.4% |
| Profit (loss) carried forward14 | €4k | €4k | €3k | €3k | €3k | = |
| Amounts payable17/49 | €239k | €254k | €251k | €252k | €190k | ▼ 24.6% |
| Amounts payable after more than one year17 | €107k | €90k | €73k | €58k | €46k | ▼ 20.2% |
| Financial debts170/4 | €107k | €90k | €73k | €58k | €46k | ▼ 20.2% |
| Amounts payable within one year42/48 | €130k | €162k | €175k | €194k | €144k | ▼ 25.9% |
| Current portion of amounts payable after more than one year42 | €17k | €18k | €18k | €15k | €12k | ▼ 22.8% |
| Trade debts44 | €7k | €1k | €2k | €10k | €3k | ▼ 66.1% |
| Suppliers440/4 | €7k | €1k | €2k | €10k | €3k | ▼ 66.1% |
| Advances received on contracts in progress46 | €87k | €139k | €134k | €106k | €102k | ▼ 3.7% |
| Taxes, remuneration and social security45 | €19k | €4k | €21k | €19k | €27k | ▲ 39.2% |
| Taxes450/3 | €16k | €4k | €21k | €19k | €26k | ▲ 31.5% |
| Remuneration and social security454/9 | €3k | - | - | - | €2k | - |
| Other amounts payable47/48 | - | - | - | €44k | - | - |
| Accrued charges and deferred income492/3 | €2k | €2k | €3k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54k | €35k | €60k | €9k | €41k | ▲ 335% |
| + Depreciation and write-downs630 | €25k | €21k | €21k | €21k | €19k | ▼ 12.4% |
| Operating cash flow (approximation) | €79k | €55k | €81k | €30k | €59k | ▲ 94.3% |
| Investment in fixed assets (approximation) | - | €-8k | €-4k | €1k | €0 | ▼ 100% |
| Change in cash | - | €10k | €457 | €17k | €-6k | ▼ 136% |
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
Next filing, fiscal year 2026, expected by
2026
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200kEq €209k ▲24.3%
5 profitable years in a row build equity to €209k.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €9k ▼84.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €60k ▲71%
Operating result €67k, net result €60k, both a record.
30-09
Financial
Equity above €150kEq €158k ▲60.2%
3 profitable years in a row build equity to €158k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Oostende · 1 establishment unit since 2019
Ground area
164 m²
Building footprint
78 m²
Volume, LiDAR
328 m³
Parcel 35026B0292/00C000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kasteelstraat 3, 8400 Oostende
since 20192.297.228.333
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35026B0292/00C000 | Flanders | 164 m² | 1 · 78 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 11,756 companies in sector 68310 we hold annual accounts for 6,904. 5,159 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end30-09
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Scores and ratios are computed by Checked and are not a credit decision.