Calathea
ActiveCalathea has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €31k and a net result of €20k. Its solvency ranks better than 23% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
91
/ 100
Excellent▲ +43 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency57▲+35
Growth78
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 0.92 in 2023), but 70.6% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
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
29.4%
Return on assets
19%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 20786 sector peers (2024).
NBB · sector comparisonPosition among 20786 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
44 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€31k▲ 184%
2023 · €11k
2023: €11k
2023 → 2024
Total assets
€106k▲ 76.6%
2023 · €60k
2023: €60k
2023 → 2024
Net result
€20k▲ 138%
2023 · €8k
2023: €8k
2023 → 2024
Working capital
€17k
2023 · €-2k
2023: €-2k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€11k-€31k▲ 184%
Operating result€12k-€30k▲ 147%
Net result€8k-€20k▲ 138%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 147% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €106k
Fixed assets
€55k▲ 42.2%
Current assets
€51k▲ 139%
Equity and liabilities €106k
Equity
€31k▲ 184%
Debt
€75k▲ 52.6%
The debt ratio falls from 81.7% to 70.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€39k▲
2023 · €19k
Cash flow
€29k▲
2023 · €15k
Solvency
29.4%▲
2023 · 18.3%
Current ratio
1.50▲
2023 · 0.92
Quick ratio
1.50▲
2023 · 0.92
Debt / equity
2.40▼
2023 · 4.46
ROE
64.7%▼
2023 · 77.2%
ROA
19.0%▲
2023 · 14.2%
Interest coverage
22.50▲
2023 · 17.61
Debt
€75k▲
2023 · €49k
Debt ≤ 1 year
€34k▲
2023 · €23k
Debt > 1 year
€41k▲
2023 · €26k
Income taxes
€8k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€60k€106k▲
Fixed assets21/28€39k€55k▲
Tangible fixed assets22/27€39k€30k▼
Furniture and vehicles24€39k€30k▼
Financial fixed assets28-€25k
Current assets29/58€21k€51k▲
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€692€255▼
Cash at bank and in hand54/58€8k€36k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€60k€106k▲
Equity10/15€11k€31k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€29k▲
Amounts payable17/49€49k€75k▲
Amounts payable after more than one year17€26k€41k▲
Financial debts170/4€26k€41k▲
Amounts payable within one year42/48€23k€34k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€273€626▲
Suppliers440/4€273€626▲
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€4k€14k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€7k€6k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€348€169▼
Gross operating margin9900€19k€39k▲
Operating profit (loss)9901€12k€30k▲
Financial income75/76B-€110
Recurring financial income75-€110
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€11k€28k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€8k€20k▲
Profit (loss) for the period to be appropriated9905€8k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€29k▲
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Geraardsbergen · 1 establishment unit since 2023
Ground area
92 m²
Building footprint
92 m²
Volume, LiDAR
681 m³
Parcel 41050A0686/00P000, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Calathea
since 20232.345.222.646
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41050A0686/00P000 | Flanders | 92 m² | 1 · 92 m² | 9.0 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.
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Of 29,870 companies in sector 62200 we hold annual accounts for 18,318. 14,288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
26200Manufacture of computer, electronic and optical products
47400Retail sale of information and communication equipment
47410Retail trade
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.