CALAMERA et C°
ActiveCALAMERA et C° has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €9k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency100▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 6.41 against 3.81 in 2024; short-term debt: 13.4% and cash: 65.7% of total assets), and 14.4% 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 · 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
85.6%
Return on assets
4.3%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
15 d early
2023
19 d late
2022
32 d late
2021
46 d late
2020
29 d early
2019
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€180k▲ 4.8%
2024 · €172k
2018: €116k
2019: €105k
2020: €131k
2021: €140k
2022: €153k
2023: €155k
2024: €172k
2018 → 2025
Total assets
€211k▼ 10.7%
2024 · €236k
2018: €196k
2019: €261k
2020: €234k
2021: €268k
2022: €265k
2023: €240k
2024: €236k
2018 → 2025
Net result
€9k▼ 48.4%
2024 · €18k
2018: €33k
2019: €-12k
2020: €29k
2021: €9k
2022: €15k
2023: €3k
2024: €18k
2018 → 2025
Working capital
€153k▲ 6.7%
2024 · €143k
2018: €112k
2019: €95k
2020: €112k
2021: €100k
2022: €116k
2023: €118k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€153k▲ 9.9%€155k▲ 1.2%€172k▲ 10.8%€180k▲ 4.8%
Operating result€17k-€25k▲ 50.0%€5k▼ 80.1%€26k▲ 415%€15k▼ 42.5%
Net result€9k-€15k▲ 63.5%€3k▼ 81.7%€18k▲ 563%€9k▼ 48.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€30k▼ 29.2%
Current assets
€181k▼ 6.7%
Equity and liabilities €211k
Equity
€180k▲ 4.8%
Debt
€30k▼ 52.5%
The debt ratio falls from 27.1% to 14.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €39k
Cash flow
€22k▼
2024 · €30k
Solvency
85.6%▲
2024 · 72.9%
Current ratio
6.41▲
2024 · 3.81
Quick ratio
5.67▲
2024 · 3.39
Debt / equity
0.17▼
2024 · 0.37
ROE
5.1%▼
2024 · 10.3%
ROA
4.3%▼
2024 · 7.5%
Interest coverage
8.49▼
2024 · 13.17
Debt
€30k▼
2024 · €64k
Debt ≤ 1 year
€28k▼
2024 · €51k
Debt > 1 year
€2k▼
2024 · €12k
Income taxes
€4k▼
2024 · €7k
Staff costs
€4k▼
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€236k€211k▼
Fixed assets21/28€42k€30k▼
Tangible fixed assets22/27€41k€29k▼
Plant, machinery and equipment23€1k€370▼
Furniture and vehicles24€34k€25k▼
Other tangible fixed assets26€6k€3k▼
Financial fixed assets28€347€347=
Current assets29/58€194k€181k▼
Stocks and contracts in progress3€21k€21k▼
Stocks30/36€21k€21k▼
Amounts receivable within one year40/41€26k€19k▼
Trade receivables40€15k€11k▼
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€141k€138k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€236k€211k▼
Equity10/15€172k€180k▲
Contributions10/11€19k€19k=
Reserves13€67k€75k▲
Distributable reserves133€67k€75k▲
Profit (loss) carried forward14€86k€87k▲
Amounts payable17/49€64k€30k▼
Amounts payable after more than one year17€12k€2k▼
Financial debts170/4€12k€2k▼
Amounts payable within one year42/48€51k€28k▼
Current portion of amounts payable after more than one year42€13k€10k▼
Trade debts44€32k€14k▼
Suppliers440/4€32k€14k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€601€601=
Accrued charges and deferred income492/3€765-
Income statement
Code20242025
Non-recurring operating income76A€731-
Remuneration, social security and pensions62€4k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€46k€34k▼
Operating profit (loss)9901€26k€15k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€25k€13k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€18k€9k▼
Profit (loss) for the period to be appropriated9905€18k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€95k▼
Profit (loss) brought forward from the previous period14P€86k€86k▲
Transfer to equity691/2€17k€8k▼
To other reserves6921€17k€8k▼
Profit to be distributed694/7€859€859=
Return on contributions (dividend)694€859€859=
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €153k ▲9.9%
3 profitable years in a row build equity to €153k.
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 46 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-12k ▼136%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ittre · 1 establishment unit since 1973
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 de la Libération 331460 IttreGround area
462 m²
Building footprint
94 m²
Volume, LiDAR
630 m³
Parcel 25108B0051/00H005, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Libération 33, 1460 Ittre
since 19732.014.157.785
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25108B0051/00H005 | Wallonia | 462 m² | 1 · 94 m² | 8.3 m · 2 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteIttre2.014.157.785
Similar companies · same sector, comparable size
EDELVIS
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WAPAFRI
BE 0846.272.540
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WOQRS
BE 0698.932.312
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FRANCO ET PINA
BE 0460.662.601
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DECORTE-VANMAELE
BE 0878.169.704
Dentergem · Eq €179k
Of 3,827 companies in sector 47210 we hold annual accounts for 966. 723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-1972
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
46319Wholesale of fruit and vegetables, excluding potatoes
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
51310
51340
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:calagius@gmail.com