Cailliau
ActiveCailliau has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €13k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-3
Solvency94▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 11.95 against 11.07 in 2024; short-term debt: 7.8% and cash: 48.2% of total assets), and 30.9% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
69.1%
Return on assets
2.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
8 d early
2023
29 d late
2022
30 d late
2021
34 d early
2020
9 d early
2019
23 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€306k▲ 2.7%
2024 · €298k
2018: €253k
2019: €243k
2020: €270k
2021: €289k
2022: €300k
2023: €298k
2024: €298k
2018 → 2025
Total assets
€443k▲ 0.4%
2024 · €441k
2018: €382k
2019: €440k
2020: €366k
2021: €418k
2022: €459k
2023: €373k
2024: €441k
2018 → 2025
Net result
€13k▲ 21.9%
2024 · €10k
2018: €-6k
2019: €-10k
2020: €27k
2021: €19k
2022: €11k
2023: €-2k
2024: €10k
2018 → 2025
Working capital
€379k▲ 3.0%
2024 · €368k
2018: €222k
2019: €216k
2020: €247k
2021: €267k
2022: €266k
2023: €265k
2024: €368k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€289k-€300k▲ 3.8%€298k▼ 0.8%€298k=€306k▲ 2.7%
Operating result€22k-€17k▼ 25.6%€4k▼ 73.8%€16k▲ 273%€25k▲ 53.5%
Net result€19k-€11k▼ 42.2%€-2k€10k€13k▲ 21.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €443k
Fixed assets
€29k▼ 20.5%
Current assets
€414k▲ 2.3%
Equity and liabilities €443k
Equity
€306k▲ 2.7%
Debt
€137k▼ 4.4%
The debt ratio falls from 32.5% to 30.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €24k
Cash flow
€20k▲
2024 · €18k
Solvency
69.1%▲
2024 · 67.5%
Current ratio
11.95▲
2024 · 11.07
Quick ratio
6.37▼
2024 · 6.63
Debt / equity
0.45▼
2024 · 0.48
ROE
4.1%▲
2024 · 3.5%
ROA
2.8%▲
2024 · 2.3%
Interest coverage
4.05▼
2024 · 4.48
Debt
€137k▼
2024 · €143k
Debt ≤ 1 year
€35k▼
2024 · €37k
Debt > 1 year
€102k▼
2024 · €107k
Income taxes
€5k▲
2024 · €4k
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€441k€443k▲
Fixed assets21/28€36k€29k▼
Tangible fixed assets22/27€36k€29k▼
Land and buildings22€24k€21k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€405k€414k▲
Stocks and contracts in progress3€162k€193k▲
Stocks30/36€162k€193k▲
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€237k€214k▼
Deferred charges and accrued income490/1€1k€812▼
Equity and liabilities
Total equity and liabilities10/49€441k€443k▲
Equity10/15€298k€306k▲
Contributions10/11€19k€19k=
Reserves13€279k€287k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€20k€20k=
Distributable reserves133€259k€267k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€143k€137k▼
Amounts payable after more than one year17€107k€102k▼
Financial debts170/4€107k€102k▼
Amounts payable within one year42/48€37k€35k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€6k€10k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€14k€14k▼
Accrued charges and deferred income492/3€210€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-13k€0▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€13k€34k▲
Operating profit (loss)9901€16k€25k▲
Financial income75/76B€3k€890▼
Recurring financial income75€3k€890▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€14k€18k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€10k€13k▲
Profit (loss) for the period to be appropriated9905€10k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€13k▲
Transfer from equity791/2€10k€5k▼
Transfer to equity691/2€10k€13k▲
To other reserves6921€10k€13k▲
Profit to be distributed694/7€10k€5k▼
Return on contributions (dividend)694€10k€5k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 11.07
Current ratio from 5.18 to 11.07; short-term debt falls from €63k to €37k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wervik · 2 establishment units since 1994
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.
Molenstraat 308940 WervikGround area
1,623 m²
Building footprint
1,253 m²
Volume, LiDAR
6,469 m³
2 parcels, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CAILLIAU BVBA
since 19942.066.467.907
Ucars
since 20222.331.636.114
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029A0594/00V000 | Flanders | 1,290 m² | 1 · 920 m² | 7.7 m · 2 fl. |
| 33029C0689/00G000 | Flanders | 333 m² | 1 · 333 m² | 11.1 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.
Similar companies · same sector, comparable size
FIETSEN BROSENS
BE 0737.845.346
Rijkevorsel · Eq €305k
GEHECO
BE 0822.399.553
Ukkel · Eq €307k
METACHON
BE 0817.225.592
Tremelo · Eq €307k
TYTGAT TIMO
BE 0758.574.147
Roeselare · Eq €307k
VELO-DROOM HOEGAARDEN
BE 0880.370.119
Hoegaarden · Eq €305k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-1994
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
52492
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45310
46180Agents specialised in the wholesale of other particular products
46720Wholesale of motor vehicle parts and accessories
47789Other retail sale of new goods
52498
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.