Equity
€2.3m ▲ 550%
Equity rose in 2025 from €357,394 to €2.3m.
CAL - CONSULT
Lifetime
18 annual accounts with figures on one time axis, 29 filings since 1997peak €178,496 (2025)
€178,496▲ 7.3%
lowest -€13,591 (2015)
€50,363▲ 7.5%
peak €2.3m (2025)
€2.3m▲ 550%
€686,926▲ 8.9%
peak 1.1 FTE (2014)
-not published
Board1 name since 2021
1 directorDU BIN Ilse Maria Josepha
Documentsfilings and deeds
22-10-202683 days late
2025abbreviated format
Dividend €54,810Equity from €357,394 to €2.3mInvestments €2.0mCash from €2,861 to €18,143
Key points
from the 2025 annual accountsInvestments
€2.0m 73.9 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 204.9% higher than in 2024.
Filings
29 annual accounts 83 days
Latest accounts filed late: after the legal deadline.
Checked score
95
Excellent
Financially stronger than 73% of small companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 1,123 companies (NACE 82, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.3%▲ +0.1 percentage points vs 01-2025
03-2025: 0.2%▼ -0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.6%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.5 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 83 days late; 1 of the last 3 accounts late
Liquidity: current ratio 0.14, cash €18,143
lowers risk
Size: total assets €3.0m
Founded in 1996
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, small). It does better than 89% of them on solvency, 53% on liquidity, 50% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as CAL - CONSULT has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CAL - CONSULT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for CAL - CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €220,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.14 (0.07 in 2024), below 1. Short-term debt is 6% and cash 0.6% of total assets. 22.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
83 days late
2024
1 day early
2023
21 days late
2022
on the day
2021
52 days late
2020
23 days late
2019
54 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0458973019
Change of role: DU BIN Ilse Maria Josepha, from statutory manager to director
Director discharge: DU BIN Ilse Maria Josepha · General meeting of 04-07-2023 · Gazette deed
First establishment
Slagveldweg 66, Boortmeerbeek
Incorporation
published on 23-10-1996 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAL - CONSULT Boortmeerbeek | €3.0m | €178,496 | 77.2% | - |
| IMMOCULATION Aalter | €2.9m | €199,036 | 16.0% | 1 |
| K - 2 Oostrozebeke | €2.6m | €179,896 | 96.8% | 0 |
| ACTA GROUP Fléron | €2.8m | €172,173 | 88.0% | - |
| KSJ Invest Antwerp | €3.3m | €159,504 | 76.5% | - |
| LDT Aalst | €3.7m | €160,148 | 89.1% | - |
| H.D.V. Beringen | €2.6m | €197,708 | 75.5% | - |
These companies have the same main activity as CAL - CONSULT: other business support services (NACE 82990). They are comparable in size and age: total assets between €2.6m and €3.7m, founded between 1992 and 1999.
Official details
Source: KBO- Status
- Active since 11-10-1996Normal situation
- Activity
- Other business support servicesNACE 82990
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.078.653.4813191 Boortmeerbeek, since 15-10-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 04-11-2025
Annual accounts 2025
- ≈ €270,000estimated
- €3.0m▲ 205%
- Employeeson 31-12-2025
- 1▼ 66.7%
- Filing
- Filed on 22-10-2026
Insights on CAL - CONSULT
CAL - CONSULT files the abbreviated format. That format states no turnover. The gross margin rose from €16,237 in 2008 to €178,496 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CAL - CONSULT
- What is the company number of CAL - CONSULT?
- The company number of CAL - CONSULT is 0458.973.019. The VAT number is the same number with BE in front: BE 0458.973.019.
- Where is CAL - CONSULT based?
- The registered office is at Slagveldweg 66, 3191 Boortmeerbeek.Company details
- What does CAL - CONSULT do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of CAL - CONSULT?
- CAL - CONSULT is a private limited company (BV).
- When was CAL - CONSULT founded?
- CAL - CONSULT was founded on 11-10-1996.
- Is CAL - CONSULT still active?
- Yes, CAL - CONSULT is an active enterprise in the KBO register.
- How many employees does CAL - CONSULT have?
- CAL - CONSULT had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CAL - CONSULT fall under?
- In its 2025 annual accounts, CAL - CONSULT states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of CAL - CONSULT?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €178,496 and 31 comparable companies (NACE 82990). It probably lies between €210,000 and €370,000.
- Is CAL - CONSULT profitable?
- In financial year 2025, CAL - CONSULT made a profit of €50,363.
- Where can I find the annual accounts of CAL - CONSULT?
- CAL - CONSULT filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAL - CONSULT due?
- CAL - CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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