CALANDRES
ActiveSummary
CALANDRES has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €48k and a net result of €10k. Equity is growing by ~53.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 3539 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75=
Solvency50▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 4.19 in 2023; short-term debt: 31.7% and cash: 13.5% of total assets), but 75% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25%
Return on assets
5.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
not confirmed
2024
28 d late
2023
5 d early
2022
24 d late
2021
13 d early
2020
25 d late
2019
88 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€48k▲ 25.9%
2023 · €38k
2018: €-64k
2019: €-43k
2020: €-29k
2021: €692
2022: €28k
2023: €38k
2018 → 2024
Total assets
€191k▼ 9.0%
2023 · €210k
2018: €208k
2019: €209k
2020: €162k
2021: €217k
2022: €249k
2023: €210k
2018 → 2024
Net result
€10k▼ 4.0%
2023 · €10k
2018: €-23k
2019: €21k
2020: €15k
2021: €29k
2022: €27k
2023: €10k
2018 → 2024
Working capital
€111k▼ 29.2%
2023 · €156k
2018: €76k
2019: €74k
2020: €76k
2021: €136k
2022: €176k
2023: €156k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-29k-€692€28k▲ 3,904%€38k▲ 37.0%€48k▲ 25.9%
Operating result€4k-€27k▲ 634%€37k▲ 37.2%€16k▼ 58.5%€15k▼ 1.0%
Net result€15k-€29k▲ 102%€27k▼ 7.8%€10k▼ 62.1%€10k▼ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €191k
Fixed assets
€20k ▲ 329%
Current assets
€171k ▼ 16.6%
Equity and liabilities €191k
Equity
€48k ▲ 25.9%
Debt
€143k ▼ 16.7%
Debt's share of the balance-sheet total falls from 81.9% to 75.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2023 · €16k
Cash flow
€11k▲
2023 · €11k
Current ratio
2.83▼
2023 · 4.19
Quick ratio
0.51▲
2023 · 0.08
Debt to equity
3.00▼
2023 · 4.53
ROE
20.6%▼
2023 · 27.0%
ROA
5.2%▲
2023 · 4.9%
Interest coverage
7.47▼
2023 · 18.59
Debt ≤ 1 year
€61k▲
2023 · €49k
Debt > 1 year
€83k▼
2023 · €123k
Income taxes
€3k▼
2023 · €4k
Staff costs
€10k▲
2023 · €8k
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 · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€210k€191k▼
Fixed assets21/28€5k€20k▲
Tangible fixed assets22/27€4k€19k▲
Plant, machinery and equipment23-€16k
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€440€440=
Current assets29/58€205k€171k▼
Stocks and contracts in progress3€202k€140k▼
Stocks30/36€202k€140k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€1k€19▼
Cash at bank and in hand54/58€122€26k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€210k€191k▼
Equity10/15€38k€48k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€18k€27k▲
Amounts payable17/49€172k€143k▼
Amounts payable after more than one year17€123k€83k▼
Other amounts payable178/9€123k€83k▼
Amounts payable within one year42/48€49k€61k▲
Financial debts43€9k€0▼
Credit institutions430/8€9k€0▼
Trade debts44€6k€35k▲
Suppliers440/4€6k€35k▲
Taxes, remuneration and social security45€34k€25k▼
Taxes450/3€33k€25k▼
Remuneration and social security454/9€274€485▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€8k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€267€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€32k€20k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€58k€48k▼
Operating profit (loss)9901€16k€15k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€850€2k▲
Recurring financial charges65€850€2k▲
Profit (loss) for the period before taxes9903€15k€13k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€10k€10k▼
Profit (loss) for the period to be appropriated9905€10k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€27k▲
Profit (loss) brought forward from the previous period14P€7k€18k▲
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €29k ▲102%
Net result €29k, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Mons · 1 establishment unit since 1989
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.
Place d'Hyon (H.) 27022 MonsGround area
537 m²
Building footprint
45 m²
Volume, LiDAR
392 m³
Parcel 53042A0192/00K000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CALANDRES
since 19892.045.733.166
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53042A0192/00K000 | Wallonia | 537 m² | 1 · 45 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
SOMNIUM
BE 0701.681.865
Rotselaar · Eq €47,599
GM CARS
BE 0881.338.535
Charleroi · Eq €48,263
VERLINDEN - BRAWERS
BE 0791.866.626
Nijlen · Eq €47,328
GERRIT VDG
BE 0738.994.203
Meise · Eq €48,655
AUTOSCHADE STERKENDRIES
BE 0668.426.010
Maaseik · Eq €48,709
Of 1,876 companies in sector 95314 we hold annual accounts for 847. 626 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
Founded11-10-1989
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
47812Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:laurent@jetmax.be