CAILLARD
ActiveSummary
CAILLARD has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €148k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency38=
Growth78▲+10
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 0.76 in 2024; short-term debt: 20.6% and cash: 13.8% of total assets), but 86.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
13.4%
Return on assets
43.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 16%
← weakest
strongest →
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 02-02-2026, 179 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
179 d early
2024
190 d early
2023
174 d early
2022
188 d early
2021
171 d early
2020
90 d early
2019
59 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€148k▲ 34.9%
2024 · €110k
2019: €21k
2020: €2k
2021: €25k
2022: €55k
2023: €109k
2024: €110k
2019 → 2025
Working capital
€69k
2024 · €-35k
2019: €15k
2020: €17k
2021: €42k
2022: €46k
2023: €90k
2024: €-35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€78k▲ 61.0%€132k▲ 69.4%€23k▼ 82.7%€46k▲ 102%
Operating result€31k-€81k▲ 159%€141k▲ 73.1%€148k▲ 5.2%€200k▲ 35.3%
Net result€25k-€55k▲ 122%€109k▲ 98.1%€110k▲ 0.8%€148k▲ 34.9%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €344k
Fixed assets
€204k ▲ 221%
Current assets
€139k ▲ 28.3%
Equity and liabilities €344k
Equity
€46k ▲ 102%
Debt
€298k ▲ 99.1%
Debt's share of the balance-sheet total falls from 86.8% to 86.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€201k▲
2024 · €152k
Cash flow
€149k▲
2024 · €114k
Current ratio
1.97▲
2024 · 0.76
Debt to equity
6.49▼
2024 · 6.58
ROE
322.6%▼
2024 · 483.3%
ROA
43.1%▼
2024 · 63.7%
Interest coverage
98.55▼
2024 · 162.17
Debt ≤ 1 year
€71k▼
2024 · €143k
Debt > 1 year
€227k▲
2024 · €6k
Income taxes
€50k▲
2024 · €37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€172k€344k▲
Fixed assets21/28€64k€204k▲
Tangible fixed assets22/27€4k€19k▲
Furniture and vehicles24€4k€19k▲
Financial fixed assets28€60k€185k▲
Current assets29/58€109k€139k▲
Amounts receivable within one year40/41€82k€91k▲
Trade receivables40€79k€91k▲
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€27k€48k▲
Deferred charges and accrued income490/1€284€1k▲
Equity and liabilities
Total equity and liabilities10/49€172k€344k▲
Equity10/15€23k€46k▲
Contributions10/11€3k€3k=
Reserves13€20k€43k▲
Distributable reserves133€20k€43k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€150k€298k▲
Amounts payable after more than one year17€6k€227k▲
Financial debts170/4€6k€51k▲
Other amounts payable178/9-€176k
Amounts payable within one year42/48€143k€71k▼
Current portion of amounts payable after more than one year42€12k€27k▲
Trade debts44€311€30▼
Suppliers440/4€311€30▼
Taxes, remuneration and social security45€17k€26k▲
Taxes450/3€17k€26k▲
Other amounts payable47/48€114k€18k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€971▼
Other operating charges640/8€770€749▼
Gross operating margin9900€153k€202k▲
Operating profit (loss)9901€148k€200k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€937€2k▲
Recurring financial charges65€937€2k▲
Profit (loss) for the period before taxes9903€147k€198k▲
Income taxes67/77€37k€50k▲
Profit (loss) for the period9904€110k€148k▲
Profit (loss) for the period to be appropriated9905€110k€148k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€148k▲
Transfer from equity791/2€109k€0▼
Transfer to equity691/2€0€23k▲
To other reserves6921€0€23k▲
Profit to be distributed694/7€219k€125k▼
Return on contributions (dividend)694€219k€125k▼
The notes to these accounts (11 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €148k ▲34.9%
Operating result €200k, net result €148k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.97
Current ratio from 0.76 to 1.97; short-term debt falls from €143k to €71k.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €132k ▲69.4%
5 profitable years in a row build equity to €132k.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €2k ▼92.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mouscron · 1 establishment unit since 2019
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.
Bolderserf(D) 77711 MouscronGround area
341 m²
Building footprint
94 m²
Parcel 54003R0332/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CAILLARD
since 20192.290.883.048
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003R0332/00H000 | Wallonia | 341 m² | 1 · 94 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.
Similar companies · same sector, comparable size
FOROZ ACCOUNTANTS
BE 0879.721.011
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FISCONLINE
BE 0480.295.302
Geraardsbergen · Eq €45,940
Bureau Comptable David BOULANGER S.c.P.R.L.U.
BE 0715.454.776
Léglise · Eq €45,947
JEAN-PIERRE GOFFIN
BE 0479.883.744
Sint-Gillis (bij-Brussel) · Eq €45,924
COSTMASTERS FIDUCIAIRE
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,819 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.