CAFLI
ActiveCAFLI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.18M and a net result of €11.01M. Equity is growing by ~5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +60 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+41
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1M at 30 days acceptable
Liquidity ample (current ratio 7.05 against 0.01 in 2024), and 9.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90.6%
Return on assets
81.9%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
9 d early
2022
26 d early
2021
4 d early
2020
5 d early
2019
3 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11.01M
2024 · €-45k
2018: €34k
2019: €32k
2020: €77k
2021: €224k
2022: €-76k
2023: €-45k
2024: €-45k
2018 → 2025
Working capital
€6.97M
2024 · €-1.15M
2018: €-91k
2019: €-73k
2020: €-15k
2021: €-131k
2022: €-1.05M
2023: €-1.09M
2024: €-1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.33M-€1.26M▼ 5.7%€1.21M▼ 3.6%€1.17M▼ 3.7%€12.18M▲ 942%
Operating result€-32k-€-70k▼ 119%€-39k▲ 44.6%€-39k▼ 1.1%€-212k▼ 439%
Net result€224k-€-76k€-45k▲ 40.6%€-45k▲ 0.3%€11.01M
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €212k in 2025 against €39k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.44M
Fixed assets
€5.33M▲ 115%
Current assets
€8.12M▲ 54,556%
Equity and liabilities €13.44M
Equity
€12.18M▲ 942%
Debt
€1.27M▼ 3.9%
The debt ratio falls from 53.0% to 9.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-187k▼
2024 · €-16k
Cash flow
€11.03M▲
2024 · €-22k
Solvency
90.6%▲
2024 · 47.0%
Current ratio
7.05▲
2024 · 0.01
Quick ratio
7.05▲
2024 · 0.01
Debt / equity
0.10▼
2024 · 1.13
ROE
90.4%▲
2024 · -3.8%
ROA
81.9%▲
2024 · -1.8%
Interest coverage
-36.95▼
2024 · -2.91
Debt
€1.27M▼
2024 · €1.32M
Debt ≤ 1 year
€1.15M▼
2024 · €1.16M
Debt > 1 year
€116k▼
2024 · €156k
Income taxes
€1.10M
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€2.49M€13.44M▲
Fixed assets21/28€2.47M€5.33M▲
Tangible fixed assets22/27€565k€545k▼
Land and buildings22€304k€544k▲
Plant, machinery and equipment23€260k€0▼
Furniture and vehicles24€1k€1k▼
Financial fixed assets28€1.91M€4.78M▲
Current assets29/58€15k€8.12M▲
Amounts receivable within one year40/41-€166k
Other amounts receivable41-€166k
Current investments50/53-€7.91M
Cash at bank and in hand54/58€11k€37k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.49M€13.44M▲
Equity10/15€1.17M€12.18M▲
Contributions10/11€777k€777k=
Outside capital11€777k-
Share premium1100/10€777k-
Reserves13€411k€11.42M▲
Non-distributable reserves130/1€78k€0▼
Reserves not available under the articles1311€78k€0▼
Distributable reserves133€333k€11.42M▲
Profit (loss) carried forward14€-19k€-19k=
Amounts payable17/49€1.32M€1.27M▼
Amounts payable after more than one year17€156k€116k▼
Financial debts170/4€156k€116k▼
Amounts payable within one year42/48€1.16M€1.15M▼
Current portion of amounts payable after more than one year42€39k€40k▲
Trade debts44€15k€1k▼
Suppliers440/4€15k€1k▼
Taxes, remuneration and social security45-€1.10M
Taxes450/3-€1.10M
Other amounts payable47/48€1.11M€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€4k€16k▲
Gross operating margin9900€-12k€-171k▼
Operating profit (loss)9901€-39k€-212k▼
Financial income75/76B-€12.59M
Recurring financial income75-€946k
Non-recurring financial income76B-€11.65M
Financial charges65/66B€6k€274k▲
Recurring financial charges65€6k€5k▼
Non-recurring financial charges66B-€269k
Profit (loss) for the period before taxes9903€-45k€12.11M▲
Income taxes67/77-€1.10M
Profit (loss) for the period9904€-45k€11.01M▲
Profit (loss) for the period to be appropriated9905€-45k€11.01M▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€10.99M▲
Profit (loss) brought forward from the previous period14P€26k€-19k▼
Transfer to equity691/2-€11.01M
To other reserves6921-€11.01M
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (21 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €11.01M
Net result €11.01M after 3 loss-making years.
31-12
Financial
Liquidity times 552current ratio 7.05
Current ratio from 0.01 to 7.05; short-term debt falls from €1.16M to €1.15M.
31-12
Financial
Equity above €10MEq €12.18M ▲942%
Equity rises from €1.17M to €12.18M.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-76k ▼134%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
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
4 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, Tournai · 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 Cazeau(TEM) 487520 TournaiGround area
1.1 ha
Building footprint
455 m²
Volume, LiDAR
2,659 m³
2 parcels, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Haut Pont(N) 12, 7730 Estaimpuis
since 20152.241.274.476
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57058B0347/00E000 | Wallonia | 6,558 m² | 1 · 302 m² | 9.4 m · 2 fl. |
| 57078E0455/00B000 | Wallonia | 4,388 m² | 1 · 154 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400VR4K49HDPB4W16
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2015
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.